BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-27
Company: Tower Loan of Mississippi, Inc.
State: MO
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
On XX/XX/2023 I paid off the balance of a loan at Tower Loan XXXX XXXX, MO. 
Earlier I had paid {$1400.00} leaving a balance of about {$32.00} and some change. Since I couldn't afford to pay it off I waited about a month to pay off the final balance. 
When I entered the office stating I would pay off the balance it had morphed into over {$100.00}. While complaining about this the manager told me the interest was {$2.00} per day. 
I asked why the agent who took the {$1400.00} didn't tell me about this, the manager told me the agent had been fired. 
I paid the {$100.00} plus and advised I would never do business with them again, file complaints against Tower Loan and inform others of the almost usurious actions of the company The manager stated she hated to lose me as a customer. I took her comment almost as an insult. 
I would not mind if they had charged me a rate whereby I would repay about half the balance they stated I owed. After all I borrowed their money but {$2.00} per day interest is outrageous.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-03
Company: Paypal Holdings, Inc
State: RI
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
On XX/XX/XXXX, I received several text messages from Paypal 's fraud department asking if I was attempting to make a payment of XXXX. Paypal also sent me emails indicating that there was unusual account activity. I denied those messages TWICE as they were clearly unauthorized transactions. I changed my password both times. Later that morning I got an email saying the XXXX was authorized and completed and also that a monthly automatic payment had been established with the vendor!

I immediately disputed the charge as unauthorized and ended the billing agreement with the vendor. For whatever reason, Paypal DENIED my request for a refund and indicated that it was not unauthorized activity. I was confused by that because 1. The item was being sent to a person and address that was not associated with my account and 2. Paypal is the one who notified ME of unusual activity via text and email. 

I spoke with XXXX at customer service around XXXX who said the case was denied because I " selected the wrong case reason '' which is completely untrue. They claimed to reopen it with the correct case reason but now it reflects that " I didn't get my merchandise ''. She said they will be looking into the fraud but I still don't know if I will be receiving a refund. I am definitely concerned that there is a bigger problem here with a Data Incident breach as these cases usually can not be reopened or appealed.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-12-28
Company: SIMMONS FIRST NATIONAL CORPORATION
State: AR
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
After I paid someone to remove malware from our personal devices, I get them back only to discover shes not only an XXXX XXXX XXXXXXXX but shes installed more malware on our devices leaving her in control of our electronic devices, our vehicles, and all of financial accounts which is illegal! Our debit card transactions back this up!

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 2023-02-03
Company: EQUIFAX, INC.
State: DC
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 acquired my credit report and ask the credit bureaus to make sure everything was complete and accurate according to USC 1681 i ( 5 ) I waited XXXX  days and everything was still the same with the consumer agency XXXX Equifax they didn't modify or remove anything the dates of the accounts are not correct I made extra payments and still no results can you please fix it this is stopping me and family from buying a house thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
Credit reporting agency failed to conduct a proper reinvestigation of disputed information on consumer file per the Fair Credit Reporting Act.

15 U.S.C. section 1681i section 611. states that reinvestigation is required to be conducted if a consumer disputes any inaccurate, incomplete or unverified item of information contained in a consumer 's file. The law also lays out proper procedures on how to treat said inaccurate, incomplete or unverified information ( Paragraph 5, Subparagraph A ) and also requires the credit reporting agency to provide notice of results of reinvestigation ( Paragraph 6 ). 

A dispute was submitted on XX/XX/2022 to Transunion, XXXX and XXXX and they have yet to provide an adequate notice of results of reinvestigation as it is laid out in The Fair Credit Reporting Act.

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 2023-02-03
Company: JPMORGAN CHASE & CO.
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
I joined Amazon XXXX in XXXX and then acquired an Amazon XXXX Visa card because of the advertised reward program that gives one 5 % on purchases from XXXX XXXX and Amazon.com. When I noticed that I was not receiving the 5 % benefit at XXXX XXXX and Amazon.com I called Chase Visa in early XXXX. I was informed that because I did not use the Visa card to pay for the Amazon XXXX membership, I was not eligible for said benefit. The representative assured me that when I renew the next time I would definitely start receiving the benefits that I had expected from the beginning. On XX/XX/XXXX I made sure that my Amazon membership was paid by the Chase Amazon Visa credit card. After noticing that I was still not receiving benefits in early XXXX, I asked about the missing benefit and the representative could not give me an answer as to why these benefits were not applied to my account. I finally waited on the phone for some kind of supervisor on XX/XX/XXXX. She assured me, once again, that my card was eligible for the 5 % benefit at XXXX XXXX and at Amazon.com, as was promised since XXXX, and that we were going to see an adjustment in my account within 7 to 10 business days. The following day we received a letter simply stating that they can't do so with my credit card as requested. I never asked to switch anything and every step of the way, I was repeatedly told that my card was eligible for these benefits. No one ever said anything about opening a different account or card. The letter had no explanation whatsoever. We never had a lapse in service or did we ever pause our membership.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-29
Company: EQUIFAX, INC.
State: SC
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 In accordance with the Fair Credit Reporting act 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 response to consumer: Closed with explanation
Consumer complaint received 2022-10-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I have contacted the Bureau several times trying to get this removed. Please remove delete immediately off my file. I have attached my ID and my Social Security card Also, a bill with my current address This is not a third-party. 

XXXX XXXX XXXX XXXX XXXX Balance {$11000.00} Updated on XX/XX/XXXX XXXX XXXX XXXX POTENTIALLY NEGATIVE Balance - Updated on XXXX XXXX, XXXX Personal loans Total balance : - XXXX Balance - Updated on XX/XX/XXXX XXXX Balance - Updated on XX/XX/XXXX XXXX Balance - Updated on XX/XX/XXXXXXXX XXXX XXXX XXXX Balance - Updated on XX/XX/XXXX XXXX These lenders have accessed your credit file : XXXX Inquiry date XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Balance - Updated on XX/XX/XXXXXXXX XXXX XXXX Balance - Updated on XXXX XXXX, XXXX XXXX XXXX XXXX - Updated on XX/XX/XXXX XXXX XXXX XXXX - Updated on XX/XX/XXXXXXXX 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 2022-10-29
Company: Experian Information Solutions Inc.
State: SC
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 In accordance with the Fair Credit Reporting act 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 explanation
Consumer complaint received 2023-04-27
Company: EQUIFAX, INC.
State: NV
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:
Regardless of multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The XXXX, Equifax and XXXX Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15U.S. Code 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statues. Please update the following accounts completely from my credit reports. 
XXXX XXXX XXXX Date Opened : XX/XX/XXXX  Balance Owed : {$300.00}, XXXX XXXXXXXX Date Opened : XX/XX/XXXX  Balance Owed : {$460.00}, XXXX XXXX Date Opened : XX/XX/XXXX  Balance Owed : {$490.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
no knowledge of these accounts. no contract with these companies. please remove, they reposted this account. reporting innacuretly across the bureaus, no account info, this is violationg consumer law.

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 2023-02-03
Company: Experian Information Solutions Inc.
State: PR
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:
XXXX XXXX XXXX XXXX XXXX THIS ACCOUNT SHOULD BE CLOSED BUT IT STILL OPEN

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 2023-04-15
Company: American First Finance, Inc.
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
My payment is not due until next billing cycle as evidenced by the screen shots included but they are saying my bill is past due.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-04-27
Company: Experian Information Solutions 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:
Experian is obligated by the FCRA to report accurate accounting, consumer has advised ALL inquires reported was fraud, said company has 4 days according to LAW to remove all such items. XXXX is now requesting Experian to provide all documentations used to determine inquiry was indeed authorized by the consumer. Experian has 15 days to provide me with the name of the person they spoke to, documentation used, signed application with the consumer we ink signature, consumer is NOT asking for and XXXX XXXX. If Experian does not have documentation to show these were in the fact authorized it must be removed ASAP. Said the company is liable under the SEC to follow certain rules. I will be filing a XXXXXXXX XXXX XXXX form to audit consumers account. Experian is securitizing consumer a copy of their CONSUMER FILE AND NOT CONSUMER REPORT. 
Per 15USC Code1692g- is a violation FCRA section ( a ) ( 3 ) - a file was open without my permission or consent

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 2023-02-03
Company: CITIBANK, N.A.
State: FL
Product: Checking or savings account
Sub-product: Savings account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I received a promotional offer from Citibank to open a " Citi Accelerate Saving Account ''. I opened a new Citi account on XX/XX/XXXX with a ACH transfer of {$28000.00} from XXXXXXXX XXXX XXXX and received a confirmation email on that date. Citibank credited the account XX/XX/XXXX. I received another email from Citibank thanking me " for enrolling in the Citi Accelerate High-Yield Savings Tiered Bonus Offer ''. This email explained the details of the offer : $ XXXX {$49000.00}. = {$150.00}. Bonus ; {$50000.00}. or more = {$450.00}. Bonus. I had 20 days to fund the account. An additional {$25000.00}. was transferred XX/XX/XXXX bringing a balance of {$53000.00} meeting the requirements for a {$450.00}. bonus to be earned after maintaining that balance for 60 days. This account satisfied all requirements and still remain with Citibank. I began calling Citibank in XX/XX/XXXX. I had several issues getting access to this account. I kept being told the the matter would be resolved. XXXX XXXX I received a letter from Citibank indicating no such offer was ever made to me in conjunction to my account. In response to that letter, I called on XX/XX/XXXX. Their Representative found the Promotion, would credit {$450.00}. to the account and make Interest adjustments back to XX/XX/XXXX. I called Citibank XX/XX/XXXX and XX/XX/XXXX with no results.

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 2023-02-15
Company: Credit Service, Inc
State: LA
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 was trying to rent an apartment and noticed there was a collection on my credit report stating I owed a company by the name of XXXX, I was never notified of this, this is un-verified, I have tried calling the company and disputing this as well to get if off my report. This is a defamation to my character and has also created issues for me. It is also my understanding that under fcra 15 u.s.c 1681 any of unproven, non-compliant, incomplete, untrue, and or un-verified aspects of any alleged derogatory accounts must be promptly negated in its entirely or the alleged accounts are to be completely deleted. 

XXXX Acct # XXXX XXXX {$1800.00}

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-03
Company: Navient Solutions, LLC.
State: KY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
My loan was moved to Navient years ago. They always encouraged my to defer payments. I tried over the years to get affordable options and they would always say we can just defer it. Now my loan has more than tripled and my payment plan is too high and even if I could afford the payments I would end up paying five times more than what I borrowed by the time I paid it off.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-03
Company: CAINE & WEINER COMPANY, INC.
State: IN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Ive was with XXXX XXXX for a few years. My kids father was added to my policy being that he travels with our children! He got in an accident and it took my policy from {$190.00} to {$390.00}. I decided to shop around for a cheaper insurance policy and decided to pay XXXX XXXX their last payment before departure! The moment I let XXXX  was contacted about a payment I supposedly never made, which was months prior to my departure. I pulled up their policy and it states that if no payment was received then per policy would be considered lapsed! I asked them to send me proof that no payment was received as well as proof that I was insured. They failed to send me anything! I looked at their policy again and it isnt showing anything about term limits or anything about send it to credit unions! I was also contacting by a third party stating that I owed them when I never have permission to be reached by any third parties! My credit has been affected by this issue and I shouldnt be victimized by this

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-16
Company: Bread Financial Holdings, Inc.
State: GA
Product: Credit card or prepaid card
Sub-product: Store credit 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 order 2 items from Ny & Co in XXXX XXXX  items were to small I sent them back I have proof that they received them plus an email stating they refunded {$170.00} back to my account Comenity Bank states they only gave me a credit of XXXX I have spoke to Comenity Bank several times trying to resolve the issue they have went into my credit report stating I'm 90 days late. NO one will contact NY & Co. I have written letters to Ny & Co and Comenity Bank filed with XXXX and disputed with all 3 credit bureau no one can tell me why I have a balance when the items I purchased was returned

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-04-27
Company: NRA Group, LLC
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have a collection account for medical that originally was with XXXX XXXX I have been called repeatedly by them and tried explaining that I had medicaid at the time. I was awarded ssdi and my medicaid was retro active for the time of service. But they continue to speak disrespectful and will not work with me. I am trying really hard with these people. But they just talk about payments and plans.

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 2022-10-29
Company: EQUIFAX, INC.
State: IN
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I found inaccurate and incorrect data on my credit report and this wrong information should not be on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-09
Company: Chime Financial Inc
State: SC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
After opening a checking account with CHIME, on or about XX/XX/2023, I attempted to transfer funds from my linked bank account. Chime notified me that the transaction had " failed '', and I was prompted to " try again ''. My three additional attempts were met with similar results. 

I later learned from my bank that all my attempts were successful, resulting in an overdraft fee. Chime had submitted three fund transfer requests, totaling {$1500.00}, instead of the one requested. 

Now all the funds in my linked bank account have been depleted, while I await the fate of the transferred funds. 

I request appropriate corrective action.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-29
Company: ALLY FINANCIAL INC.
State: NV
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I called customer service on XX/XX/XXXX to confirm that I am done everything to be eligible for the {$500.00} bonus promotion that the bank is running. The person I spoke to said that the $ XXXX XXXX transfer on the XXXX of XXXX was from another ally account and did not count. That money came from XXXX XXXX, so that person did not know what they were talking about. I want to know if I have done everything required other than keeping the money in Ally until XX/XX/XXXX to be eligible.

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