BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-06-29
Company: Rosebud Economic Development Corporation
State: TX
Product: Consumer Loan
Sub-product: Installment loan
Issue: Taking out the loan or lease

Complaint:
I have had several loans with this company in the past with no problems. One month after my last loan was paid off, I called to reapply. XXXX XXXX tried to use some type of a bank verification system that requires a robot to sign on to your personal online banking account. My bank, XXXX XXXX XXXX, does not allow this type of electronic access. They tried and received an error message. In order to be approved for this loan, my last XXXX employment deposits had to be verified. XXXX Loans called my bank and ask me if it would be ok to lie and say no one else was on the call and for me to ask for my last XXXX deposits. In order to get the loan this had be done. I agreed as there was no other way. At this point I thought my loan was approved so I said yes. I was a returning customer and assumed all was completed and approved. The rep said all that needed to be done, after I had just lied to my bank, was submit the application through XXXX??? Who is XXXX XXXX. Something came back, probably my Tax Lien as I have a current payment plan with the IRS, so the loan was denied. I called another payday lender, XXXX, and received the approval instantly and funds were deposited for the next business day. My number one complaint with XXXX Loans is that you must lie in order for your bank deposits to be verified. My second complaint is that I never should have electronically signed any loan documents and been disclosed monthly payments and due dates if my loan was not approved. Many payday lenders do this from what I have been told because it makes the process easier for them. What about us as a consumer that believes their loan to be completed and approved when loan documents have been signed?? We need to stop dishonest payday lenders and loan document signing prior to the loan being approved/denied. If I had gone to my personal bank, they would have never requested me to sign loan documents prior to loan approval/denial.

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 2016-06-02
Company: CREDIT ACCEPTANCE CORPORATION
State: CA
Product: Consumer Loan
Sub-product: Vehicle lease
Issue: Problems when you are unable to pay

Complaint:
I have had my vehicle for XXXX going on 4 Years and I have always been in good standing with my account on Thursday XXXX XXXX my vehicle was XXXX due to a non payment back XX/XX/XXXX a Year ago to my knowledge everything was up to date in between that year I have contacted the bank and have never been informed of this situation I was quoted my Pay off amount never received any correspondence via mail, Phone, or by email as well when I did contact and speak with representatives of the bank they were very cold, uncaring, and unwilling to try and help they just wanted the past due amount of one month I felt it was very unprofessional as well as very stressfulstressful and overwhelming for me which did not seem to matter to anyone no representatives ever tried to help give me any options or reassurance that we can resolve this issue and figure it out together exactly the opposite I felt bullied and like threatened that if " I did not get a payment in I could lose my vehicle and end up paying more '' per the representative. I understand it is a business and I am in no way trying to cheat or manipulate anyone I just feel the whole situation was handled very poorly and unprofessionally especially a year late where as my Automatic Draft all other payments have been processed with out any problems within that 12 month period. I have also felt a lot of miscommunication a lot of the times where XXXX representative will say XXXX thing and then someone else will say something different on occasions many representatives have made me feel more of a burden and troublesome rather than a customer and this is for doing what is requested by the bank to call if any issues or things with payments I have always kept promise to pay if at anytime I needed to change a scheduled payment due to repairs or unforseen expenses. I just wish I was treated more like a customer than just someone who has a car leased through the bank and all that matters is the Money or at least a little more courtesy than what I was given

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 2021-11-23
Company: Affirm Holdings, Inc
State: OH
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Getting a line of credit

Complaint:
My wife and I both filed for bankruptcy in XXXX of XXXX. XX/XX/XXXX Affirm approved me for a line of credit to purchase a TV on XXXX 's website. The TV was about {$1800.00}. 12 monthly payments were paid, on time, to Affirm. Since then Affirm has closed my account. XX/XX/XXXX my wife and I applied with Affirm again. My wife got approved and I did not. Affirm says the reason for my denial is because I " have filed bankruptcy. Our decision is final ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-05
Company: GOLDMAN SACHS BANK USA
State: CA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
About a week ago, I submitted instructions to set up an external account for a transfer out of my Marcus savings account opened earlier this year. After verifying the XXXX test deposits, my account was inexplicably locked and I was asked to phone in. As of this writing ( XX/XX/22 ), I have phoned in XXXX times to attempt to release the lock. I was asked on the first XXXX calls to await a return phone call within THREE MINUTES. I waited at least 30 minutes in each case and no call came. The third call dumped me into a voice mail box was that not attended. On the fourth call I was put on hold several times and I told the agent that these are XXXX XXXX XXXXecovery funds and to hold them is UNLAWFUL per the UCC-1 filed by the XXXX. I was told the account was being reviewed and I should call back in 1-2 MORE business days. This is absolutely insane. This account only has a few XXXX dollars in it and this is Goldman Sachs? Wow. I will not wait around all day long for a phone call. Today makes 5 calls with the same result. They keep asking me about a prior phone number. I've had TWO phone numbers assigned to me ( same cell phone ) for the last 10+ years. I was told to call back in 1-2 days as they are still reviewing and would not tell me anything else ( even after pressing them ). This is insane for an account with about {$2500.00} in it. I now want ALL my money out of this account sent to the destination account I specified. Please see the XXXX  complaint also filed on this situation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-23
Company: Netspend Corporation
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
My cards locked cant do anything with it

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 2022-05-05
Company: JPMORGAN CHASE & CO.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I had an AARP XXXX Credit Card from Chase Card Services ( account # XXXX XXXX XXXX XXXX ) for many years through to XX/XX/2021 XXXX which time AARP advised that they were transferring their accounts from Chase Card Services to XXXX  XXXX XXXX through XXXX. On XX/XX/2021 I mailed a check payment ( XXXX XXXX XXXX check # XXXX ) to Chase for the current statement for existing balance in the amount of {$350.00} I tracked the payment so that I would have a XXXX outstanding credit balance at the time the account was to be transferred to XXXX XXXX on XX/XX/2021. When I called Chase on the statement closing date of XX/XX/2021 the automated account information stated that no payment was recorded and that my balance was due. With this information, I wrote another check ( XXXX XXXX XXXX # XXXX ) to pay the {$350.00} balance in person at a Chase Bank branch. I didn't stop payment on the original check # XXXX which I thought would " cross '' the account and the check would be returned to me. This didn't happen. 

What happened is that my XXXX bank statement arrived by mail mid XX/XX/2021 showing that check # XXXX payable to Chase Card Services cleared my bank on XX/XX/2021. I began calling Chase customer service XXXX and was repeatedly told they did not have any credit card account under my name or account number and referred me to XXXX. XXXX was not able to help. Their account information was that I had a XXXX credit balance transferred from Chase on XX/XX/2021. 

I had tried to find the way to file a complaint sooner but could not get the correct website information. Today I called the XXXX XXXX XXXXXXXX XXXX XXXX XXXX number and was able to get a representative who gave me the information for Consumer Financial Protection Bureau. I want to have my duplicate payment returned in the amount of {$350.00}. I would appreciate your help.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-23
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: Account information incorrect

Complaint:
I have sent in certified letters to Equifax indicating proof of the discrepancies on my credit file from the month of XXXX up until XX/XX/XXXX. Do you know they send in a letter dated back to the month of XXXX that indicated items were confirmed! Even copies of paid proof and fraud dating back to XXXX cause my purse was stolen. Not sure if Equifax is biased or they just procrastinating being slothful or what and just sit there and keep doing whatever they want to do ; when I have sent in substantial evidence to this bureau This in XX/XX/XXXX the credit reporting agency continued to give out incomplete or inaccurate information after you requested correctionsconsider filing a lawsuit. Under the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 and following ), I may sue a credit reporting agency for negligent or willful noncompliance with the law within two years after you discover the harmful behavior or within five years after the harmful behavior occurs, whichever is sooner. Depending on the violation, I might be able to win actual damages, statutory damages, punitive damages, court costs, and attorneys ' fees. Because each time I sent certified letters it was {$18.00} each time dating back since XX/XX/XXXX, also gas to and from. The mental anguish of dealing with the bureau has not been easy at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-23
Company: SYNCHRONY FINANCIAL
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: Investigation took more than 30 days

Complaint:
I have filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over XXXX  days and I have not received any investigation results, this is unacceptable and needs to be resolved ASAP.

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 2022-08-17
Company: Flagstar Bank, N.A.
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
XX/XX/2022 I received a letter from debt collector Flagstar Bank with a offensive language for this alleged debt I requested from them several times to be validated by gaap the numbers do not add up I have a different accounting than they have. I noticed that the trustee has sent me several statements ( open end credit ) and coupons I have been sending them in they have accepted them. They have received credit but have not adjusted my balance correctly. they are adding outside fees a separable promise to pay while committing trust fraud. I have made multiple attempts to resolve this matter in writing. they have violated the fiduciary relationship, they have never considered my best interest.

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 2015-04-27
Company: The Receivable Management Services LLC
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
My XXXX account indicated that there is a collection record reported to XXXX credit bureau by : THE RECEIVABLE MGMT XXXX XXXX XXXX, XXXX XXXX XXXXPlaced for collection : XX/XX/2015XXXX : $ 84Original Creditor : XXXX XXXX XXXX have been living in XXXX XXXX for the past three years, I do n't live in XXXX!!! my " trash service '' is included in my current rent where i currently reside. 
This is simply not mine!!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-10-26
Company: AFNI INC.
State: NC
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
received a letter from afni stating that they were debt collecters and I owed a bill to XXXX for over XXXX dollars. I contacted XXXX to make sure and I do not owe any bill.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-22
Company: Keith D. Weiner & Associates Co., L.P.A.
State: WV
Product: Debt collection
Sub-product: Federal student loan
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I am disputing this debt - although this debt originated from a student loan I applied for and used for XXXX, XX/XX/XXXX. The dispute arose when I pulled out due to ongoing XXXX, harassment, and issues of intellectual property theft, I had endured since XX/XX/XXXX, when I returned to complete my XXXX degree started in XX/XX/XXXX. 
When the debt was referred to the State of Ohio, for XXXX being a state institution, I began the dispute for the above reason - providing a summary to the Attorney General/Department of Taxation. The issue was not resolved, in that the department refused to acknowledge the issue, and attached my state of Ohio tax refund. The debt of {$4800.00} was referred to a collection agency, my first letter received XX/XX/XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-31
Company: ENOVA INTERNATIONAL, INC.
State: MT
Product: Consumer Loan
Sub-product: Installment loan
Issue: Taking out the loan or lease

Complaint:
I know it 's been said there is no blacklist, but I 'm being denied loans for all kinds of reasons, this XXXX being the worst. This company denied me because- Our records show that you are a current customer. Oh really, I did n't know that.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-23
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have attempted NUMEROUS of time to have this issue resolved... I noticed a couple months ago on my report, numerous of UNAUTHORIZED credit inquiry 's that WERE NOT solicited by me on my report.. I sent physical dispute letters on XXXX different occasions on XX/XX/XXXX, XX/XX/XXXX and A XXXX attempt on XX/XX/XXXX. The response I was given is that they are " investigating '' to verify the information every time and it resulted in the erroneous items still staying on my credit report and negatively affecting my score when I clearly stated such items were unauthorized and inaccurate. It has been well over 30 days since my initial dispute of this inaccurate information. Per the Fair credit reporting act companies have 30 days to conduct their investigation once that time has passed and the information can not be verified they have an obligation by law to remove it and once again NOTHING HAS BEEN DONE TO RESOLVE THIS MATTER. 

Both EQUIFAX AND XXXX are violating the Fair Credit Reporting Act and my rights as a consumer. 
This is my final attempt before taking legal action to seek damages and exercising my rights as a consumer because there is a clear violation of FCRA XXXX XXXX XXXX. 

XXXX INACCURATE REPORTING : XXXX XXXXXXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX - XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-05
Company: CAVALRY INVESTMENTS, LLC
State: DE
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
No information given regarding account. Violates federal 15 USC 1692gf also no medical release given and eligible to collect on debt per Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-13
Company: EQUIFAX, INC.
State: WI
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
XX/XX/2015 I started a online dispute with Equifax , since then creditors have not been able to pull my credit file due to a Security freeze. I have spoke with the security freeze department at Equifax several times and they have assured me there is no freeze on my file. At the end of these calls they suggest purchasing their credit monitoring to help resolve problems like these. Most recently both XXXX and XXXX XXXX were unable to access my credit file due to this freeze. I feel as though Equifax is not going to resolve this unless I sign up for their monitoring service.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-21
Company: BARCLAYS BANK DELAWARE
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Barclays abruptly closed my account with balance I have XXXX worth of reward points they refuse to credit to my account

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 2022-05-05
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I sent a letter regarding inaccurate personal information, negative accounts and 2 late payments reported on my credit report. To this day over 60 days later I have not received a response yet. I sent letters to all 3 bureaus, I am being wrongfully accused of these delinquent, charged off accounts. This represents myself as an irresponsible individual. I'm being taken advantage of and being ignored of my disputes, which is costing me my life. No apartment is willing to accept my application, no mortgage lender will provide me home loans. I am STUCK for something they reported inaccurately!!!

Section 611 ( a ) it is plainly stated that a failure to investigate these items with 30 days gives a reason to immediately remove those items from my credit report, it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you cause me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person. 

Account Name : BANK XXXX XXXX Account Number : XXXX I have previously requested that you investigate this information and you have failed to correct the errors you are reporting on my credit report. I demand that you IMMEDIATELY DELETE this inaccurate information from my credit report! 

Account Name : XXXX Account Number : XXXX I have previously requested that you investigate this information and you have failed to correct the errors you are reporting on my credit. I demand that you IMMEDIATELY DELETE this inaccurate information from my credit report! 

Account Name : XXXXXXXX XXXX  Account Number : XXXX I have previously requested that you investigate this information and you have failed to correct the errors you are reporting on my credit. I demand that you IMMEDIATELY DELETE this inaccurate information from my credit report! 

Account Name : XXXX XXXXXXXX XXXX XXXX XXXX  Account Number : XXXX I have previously requested that you investigate this information and you have failed to correct the errors you are reporting on my credit. Now is not the time to update, I demand that you IMMEDIATELY DELETE this inaccurate information from my credit report! 

Account Name : XXXX XXXX  XXXX Account Number:XXXX Inaccurate payment history reported, REMOVE Two - 30 Day Past Due remarks reported immediately ( XXXX, XXXX & XXXX, XXXX ) I have previously requested that you investigate this information and you have failed to correct the errors you are reporting on my credit. Now is not the time to update, I demand that you IMMEDIATELY DELETE this inaccurate information from my credit report!

Company response to consumer: Closed with explanation