BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-03
Company: LDF Holdings, LLC
State: MA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
I applied for a loan and did not see the terms when I applied and signed electronically and did not realize the company was a predatory lender. I borrowed {$1500.00} and when they continued to withdraw money to the amount of {$2600.00}, far beyond what I had borrowed, I called the company and was told the interest is 730 % and the interest on the loan is {$6500.00} and still owed {$5300.00}. I thought this kind of predatory lending was against the law. After finally receiving the terms it states the lender is a XXXX XXXX  and doesn't have to adhere to Federal laws. 
I can't imagine it is legal for XXXX XXXX  to do this. What is my recourse? 

The Date of the loan : XX/XX/23 Applied for loan Loan amount : {$1500.00} Interest rate : 730 % Total Interest : {$6500.00}

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-06
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have a XXXX XXXX loan from XXXX XXXX XXXX XXXX ( Account XXXX XXXX ), which was serviced by XXXX ( XXXX XXXX account is- XXXX XXXX XXXX XXXX XXXX XXXX In my Federal Student Account the XXXX XXXX  is showing a balance of {$270.00} which is currently being reported incorrectly. The balance of the loan is actually {$0.00} and was paid off in XXXX. The loan is also being reported incorrectly to credit agencies, as a balance of {$270.00} when it should be reported with {$0.00} balance and paid. Please see the payoff letter from the XXXX XXXX XXXX below. 

I have contacted the servicer ( XXXX  ) multiple times and asked them report this XXXX as paid in full and owing {$0.00}. This XXXX XXXX  has been paid off since XXXX and XXXX has incorrectly been reporting a balance owed from XXXX-to present day 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 2023-04-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
Hello i'm writing regarding account on my credit reports that do not belong to me and was opened fraudulently i tried to handle the issue with credit bureaus but not a big help its still there.I checked my credit report and they had a wrong date of birth and addresses there to which i sent credit bureaus copy of my driver license with my real date of birth and an ftc report in which they did not responded and the account still remains on my report dramatically lowering my credit score.I will go ahead and attach the FTC report to my complaint and i expect credit bureaus to block inaccurate information.I also went ahead and talked to the creditor and found out that whatever information they have on their end the account that was opened under my social security number did not match with my date of birth or address that i reside on.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-07
Company: CCS Financial Services, Inc.
State: MA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This Is From The Fake XXXX XXXX Had The phone Since XX/XX/2020 Was Being hacked, And setting all Put Offs. And Was a {$400.00} Phone I Contact The XXXX XXXX, And XXXX And did Nothing For Me I Had XXXX  For XXXX  Years Until I Had A Fake XXXX In My House In XX/XX/2020 Got Money For My Home Se-vices. But I Decided Not to pay {$50.00} Cause The XXXX  Was Shutting My Data Offs And Making my Bill Higher. They Wanted Me To Go To Collection?? Cause Of Retaliation. Cause XXXX And XXXX And XXXX XXXX XXXX XXXX I Knew XXXX Before. And They Would Get Their Walking Papers.?? 
I Contact The XXXX. Data Breach .And Crashing My Computer too They Should Be In Jail. I Contact XXXX XXXX In credit collection Sevices. And let Her Know I Have Evidences And Witness Too. 
From XXXX  And FTC And i Contact XXXX XXXX. The Fake CEO Want To Have This Removed. The Phone All Pay Offs. 
They Wont Do It To a Guy?? And XXXX Saying Your a Tough XXXX. 
They Have lost XXXX Customers Cause Of The XXXX. 
Hope You Will Help Me With This Problem.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-20
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Experian report # XXXX is reporting the following 24 addresses fraudulent. 
1. address ID # XXXX, XXXX address ID # XXXX, XXXX address ID # XXXX, XXXX address ID # XXXX, 5.address ID # XXXX, XXXX address ID # XXXX, XXXX address ID # XXXX, XXXX address ID # XXXX, XXXX address ID # XXXX, XXXX address ID # XXXX, XXXX address ID # XXXX, XXXX address ID # XXXX, XXXX address ID # XXXX, XXXX address ID # XXXX, XXXX address ID # XXXX, XXXX address ID # XXXX, XXXX address ID # XXXX, XXXX address ID # XXXX, XXXX address ID # XXXX, XXXX address ID # XXXX, XXXX address ID # XXXX, XXXX address ID # XXXX, XXXX address ID # XXXX, XXXX address ID # 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 2023-02-17
Company: JPMORGAN CHASE & CO.
State: CA
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 am writing due to an incredibly frustrating experience attempting to redeem my Chase Ultimate Rewards points via a points transfer to the United Mileage Plus Program. Due to what appears to be a system error on the side of the bank, I have been unable to transfer points from my Chase Ultimate Rewards Account to my United account since at least Tuesday, XX/XX/XXXX. I have called and attempted to resolve this issue with Chase customer service representatives on five separate occasions, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. In the first two instances I was told that the system would resolve itself within 48 hours. In the second, I was told the system would resolve itself in maximum one week. In the fourth instance, I was told that the customer service representative would escalate the case to " the marketing team '' who could likely resolve the system error within 5-7 business days. After waiting 7 days and still being unable to transfer points, I called for a fifth time and was told by a supervisor that they would again escalate this case and that I should again expect a resolution timeline of approximately 3-5 business days. To date, I still do not have the ability to transfer points despite this being a well advertised service and main draw of Chase Bank 's credit card rewards program. Thanks to the bank 's system error and subsequent inability to either address the underlying problem or simply help me to facilitate a simple, one-time transfer I have suffered the following loss : - Loss of approximately 2 hours of time spent on hold, repeatedly explaining the same issue to multiple bank representatives- Loss of value in the points accrued in Chase 's program as the flight I had originally desired to purchase with Ultimate Rewards Points is now significantly more expensive

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-01
Company: Cawley & Bergmann, LLP
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Cawley and Bergmann have sent me letters claiming I owe a debt but Ive asked them numerous times to verify that I owe them this so called debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-18
Company: Paypal Holdings, Inc
State: WI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
Pre XXXX my emails and financial accounts were hacked. Money spent, accounts made, debts caused. Thought it was closed. Learned today multiple accounts made and charged / identity theft still occurring as of XX/XX/XXXX, PayPal refuses to send records police said they can't call or help

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-23
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 
Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
1. The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXX XXXX 2. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX 3. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XX/XX/2021 4. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXX XXXX XXXX XXXX : XXXX Delete this account. 
5. 15 US-CODE 16921 XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
6. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, MI XXXX 7. The following personal information is incorrect Account Number : ALSO KNOWN AS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 8. there is some inaccurate information reporting. 
XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 
9. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report.

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 2022-12-12
Company: EQUIFAX, INC.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is the several time I've complained about being a victim of identity theft. The 3 Credit Bureaus must remove any item that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

XXXX XXXX XXXX XXXX Balance : {$370.00} ; XXXX XXXX XXXX Balance : {$770.00} ; XXXX XXXX XXXX Balance : {$200.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$1300.00} ; XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, MO XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-14
Company: Blackhawk Network Holdings Inc.
Product: Credit card or prepaid card
Sub-product: Gift card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
My XXXX in XXXX bought a vanilla gift card and after she left the shop, she found out that the card is expired and she returned back to the shop to refund or to replace the card and they treated her in an awful way and refused to refund her.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
XXXX XXXX is deceased and I am the beneficiary of her account. She purchased a cashiers check for XXXX on XX/XX/22. After the check was declared lost in the mail her funds were never returned to her account ... ... .even after the 90 day void on the check. I had an appointment today to discuss this with you but unfortunately, my current health keeps me from travel. 

I would like this money returned. I made another appointment for friday but unable to know if I can make it. I am attaching a death certificate and a copy of the cashiers check. Please help me resolve this matter. 


sincerely, 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
Consumer complaint received 2023-06-03
Company: Self Financial Inc.
State: IN
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:
XXXX XXXXl is and has held XXXX XXXX yes you heard correct XXXX $ on my credit report saying that my balance is overdue?! First of all its a credit building account, and my money goes in and then once the account is canceled my money I spent saving and building my credit comes BACK TO ME, how the XXXX do I owe you XXXX $?!! And then you hold it on my credit report as history period, and as history as a derogatory mark and saying my credit history is balance overdue?! Wrong answer, I paid my account off in full, IN FULL, REMOVE IT NOW OFF MY CREDIT PROFILE PERIOD OR I WILL EITHER SUE, TAKE TO COURTROOM WITH MY ATTORNEY, OR PRESS CHARGES FOR HARASSMENT

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-19
Company: Nelnet, Inc.
State: MN
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
After submitting my first CFPB complaint, Nelnet did respond to my XXXX application. They did not send the updates they continue to promise every 10 days. They did send me a letter on their website saying I need to take action to get the XXXX payment activated. 

The information for action I need to take was missing from the letter they sent. 

I do not know how to proceed. The call wait times are over 2 hours, and every email I have sent using the Nelnet form on their website goes unanswered.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-08
Company: EQUIFAX, INC.
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 is the 2nd Time that I have complained on the 3 major credit bureaus XXXX, XXXX, and Equifax. I've submitted the inaccurate information that continue to harm my credit score as well as chances of becoming a first time home buyer because the credit bureaus are allowed to ignore the ( FCRA ) and the laws In place to protect the consumers from exactly what's happening right now and according to 15 U.S.C. 1681 et seq. 
The nations three largest credit reporting agencies Equifax, XXXX and XXXX are required by law to do everything in their power to accurately gather and report consumer information. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-03
Company: TRUIST FINANCIAL CORPORATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
at XXXX XXXX on XX/XX/XXXX i initiated a XXXX payment for {$820.00} to be sent to my business account, the payment was place on hold and needed to be verified. i placed a call to Truist bank to verify my identity. but was told i can not do that since the number i have on file and held personally for 12 years can not be used since its not in my name but my spouse. i requested to have the XXXX canceled since i needed to use the funds to make some bill payments by the same day to avoid {$270.00} late fee but agin was meet with the same difficulty by two supervisor one by the name of XXXX XXXX, the bank insisted that the can not send a code to my phone number on file nor can the use any of the personal information or security questions on file to verify my identity and that i would have to find a local branch to verify my identity, never attempting to Properly verify my identity. i would like this matter investigated and safety guidlines become reviewed.

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 2023-02-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
I have had a checking and savings account with Capital one since at least 2005. Back then it was a bank called XXXX. They merged and the accts became Capitol One Bank. 
Problems XXXX. I scheduled my bill pay like i do every month to pay my credit card payment. Last night i get an email stating the payment has been canceled sue to not enough funds in the checking account. I had plenty of money in my savings account that has always been an automatic sweep to cover the checking. When i called today to ask why the bill pay was canceled, they could not give me an answer and kept saying my acct was now set up to auto decline. I asked when this changed because last month it worked just fine. they said they send a notice. I have never received the notice so i asked for the date they sent it either electronically or by mail and they said they could not provide that. I read every notice from both financial institutions and credit cards and i NEVER received a notice. There is no way a big bank like that would not keep track of when these notices go out. 
XXXX they were sneaky and made all high yield savings accts into low interest savings accounts so all old customers would not know they were not getting interest again i asked for when they sent this notification, and they could not provide it. that's because they never sent any notification. 
XXXX the customer service agent would not give me any answers and just kept saying bank policy. He also said he was the top manageXXXX and no one else could help me. 

I have close to a XXXX credit score if not over and i have never missed or been late on a payment in my life. luckily i called my credit card and they were able to make the payment over the phone to make sure its paid on time since capital one just kept saying they could not guarantee it even though they caused the problem. They do sneaky and unethical business practices that i feel are bordering on illegal and not in compliance with bank reporting acts. 

I feel i should be compensated for the lost int on my savings acct over the years since they changed it since they make it so hard to find and bury it in their online banking. and honestly i should be compensated for my lost time on this payment and undue stress and horrible customer service. 

the rep i talked with is name is XXXX XXXX ID # XXXX and the case number he submitted for me to get the date the notices were sent is case # XXXX I also feel like they should disclose that they work for a call center that obviously is not actually capital one because he could provide me with no answers or help. when i asked him about this he kept lying and when i caught him in the lie he just paused and changed the subject. I want proof of these notices sent and i want my back int.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-08
Company: EQUIFAX, INC.
State: MO
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  Account # 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 an account without my written instructions.

Company response to consumer: Closed with explanation