BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-30
Company: TMX Finance LLC
State: AL
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Title loan
Issue: Vehicle was repossessed or sold the vehicle

Complaint:
We tried to get help from Titlemax due to our financial situation. Titlemax didnt care about anything but the money. We submitted documents showing the repairs for our vehicle and pleaded for help. They ignored our pleas. We had the option to get our vehicle ( that was in the shop from XX/XX/XXXX to XX/XX/XXXX ) out of the shop or pay it towards our loan. We chose to get the vehicle out of the shop so my husband would be able to go to work. We got it out XX/XX/XXXX and my husband was able to get right to work. We made several payments as soon as we could, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX payments were made towards the loans, because we had the vehicle needed for work, to transport my husbands tools. XX/XX/XXXX just after XXXX our vehicle was being repoedthey tore up our grass and tried to cover it up. They did allow us to grab some things, we needed, such as our tools, from it before leaving with it. We have a hum device that was connected to the vehicle. The hum is connected to our XXXX account, which shows location of the vehicle. This hum should have been with our property when we went to pick it up. It wasnt there. They stated nothing was in the vehicle but there was personal front tag, head rest hooks, a bunch of change, phone chargers and out XXXX! The last location of our hum and vehicle was where they auction d it off!! We want our property!! I have attached photos of the vehicle location after they repoed it. This is from our hum device. If more hum records needed, we will gladly provide them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-08
Company: Experian Information Solutions Inc.
State: OH
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:
On XX/XX/2020, I sent Experian a follow-up letter requesting Method of Verification as they had verified an inaccurate account as being listed as accurate XXXX XXXX XXXX  XXXX. 

According to FCRA 611 ( a ) ( 6 ) ( B ) ( iii ) which states : if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of the information contacted in connection with such information, and the telephone number of such furnisher, if reasonably available. 

FCRA 611 ( a ) ( 7 ), which is used for such a request, states : A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description. 

Based on my certified mailing tracking record number XXXX Experian received the letter on XX/XX/2020. It is now XX/XX/2020 and I have received not received their Method of Verification within 15 days of my request. By not replying in a timely manner to my initial letter Experian has not only violated federal law, but has also failed to provide me with a copy of any viable evidence showing the account is being reported accurately.

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 2023-08-30
Company: TMX Finance LLC
State: GA
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Title loan
Issue: Charged fees or interest you didn't expect

Complaint:
XX/XX/XXXX I started a title loan and was told that my payoff amount would be XXXX. It is now XXXX and my loan is still active and says I owe XXXX more dollars. I have given this company over XXXX dollars and when I call to explain this to them they say its fees. However they can not explain where the fees are coming from.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-06
Company: CNG FINANCIAL CORPORATION
State: IN
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
I took out a personal loan at Check N Go last XXXX. The amount of the loan I believe was {$1800.00} with XXXX per month being paid per month for 18 months to pay off the loan. This was an installment loan not a payday loan. At the time the loan was set up I was sent to an app called pocket XXXX to manage the loan. I have not been able to access XXXX and have requested assistance through the company to be able to view the records and and each time have been told they can not figure out what the issue is with my login. I feel I have ran out of resources in which to turn for assistance. I have no other complaint with the company aside from them limiting my access to my account. I have never missed a payment and the loan is in good standing but they/their technology will not allow me access to my account records with CheckNGo/XXXX. Oddly enough while they have inhibited my access to the account records it has no impact on the scheduled recurring payments being withdrawn from my account. This does not seem fair and at this point the company is either unwilling or unable to assist me. The customer service has lacked every step of this. All they say is someone will follow up in 24-48 hours and there is never a follow up to my issue. I am very frustrated at this point.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
15 U.S. Code 1666b - Timing of payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

15US Code 6802B I have contacted the creditor asking Them to remove this late payment They violated my consumer law because they never gave me the option to opt out from reporting my information to a 3rd party I never received a letter and would request late payment be removed XXXX XXXX Last payment XXXX Account number 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 2023-08-30
Company: SYNCHRONY FINANCIAL
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have been disputing this account since XX/XX/23. XXXX have not authenticated nor have done correct investigations for this account and it is still impacting my credit negatively. Another credit reporting agency did do a proper investigation and showed this should not be reflecting on my credit file. I have called, submitted online and done everything on part to prove this account does not belong there.

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 2023-02-06
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XXXX XXXX, 2023, I deposited a check for {$16000.00} from a large company in XXXX. It was a check in USD drawn on XXXX XXXX XXXX. The check was micro-encoded. Today is XXXX XXXX, and the funds still have not been deposited in my business checking account. On XXXX XXXX, Citizens took a {$30.00} fee from my account and sent me a letter ( which I didn't receive until XXXX XXXX ) that stated they had received {$16000.00} and sent it out for collection. XXXX XXXX was 9 days after I deposited the check. Why did it take 9 days to send out check? I called the phone number on the letter and was told it takes 6 weeks to deposit the funds. This is crazy... .6 weeks to clear a USD check from XXXX XXXX XXXXXXXX? A business check being deposited in a business account? I called other banks in my area with details ... ..they all told me 0 to 2 weeks.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-08
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
My lender ( XXXX ) has been trying to get my equifax credit report, XXXX XXXX and my XXXX XXXX from equifax. But the lender keeps getting a error code .it says they can't verify the information or they can't find me with the information provided. I've contacted equifax 5 times and there saying I dont have a fraud alert or freeze on my credit profile and the lender should be able to pull my credit. But thats not the case.ive been trying to get this matter handled since XX/XX/XXXX ... why can't lenders access my equifax credit report??

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-08
Company: AMERICAN EXPRESS COMPANY
State: DC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I contacted American Express by telephone on XX/XX/2020 and was told by the agent that she would call back on XX/XX/2020 to apply a credit to my account equal in value to the {$95.00} annual membership fee. I received an email subsequently from American Express on XX/XX/2020 to rate my satisfaction with the XX/XX/2020 phone call. 

Unfortunately, I never received the call on XX/XX/2020. When I called American Express on XX/XX/2020 I was told that they have a corporate policy that they would not waive or refund membership fees. They had no record of the XX/XX/2020 call. 

I am concerned that American Express is misrepresenting information to its customers and potentially committing fraud. Additionally, I am concerned that they do not have a record of my call.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Transunion is reporting inaccurate & fraudulent accounts on my credit report. I am being denied credit and housing, I have sent in disputes but have not received any response back.

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 2023-08-21
Company: NAVY FEDERAL CREDIT UNION
State: KS
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:
Someone used my information to apply for XXXX XXXX XXXX XXXX XXXX bank, Navy Federal credit union for a credit and auto loan which I didnt authorized it and its sent to collection thats hurting my credit every now and then and needs it to be removed XXXX XXXX XXXX {$3400.00} XX/XX/XXXX XXXX XXXX XXXX {$19000.00} XX/XX/XXXXXXXX XXXX XXXX  {$980.00} XX/XX/XXXX XXXX XXXX XXXX  {$320.00} XX/XX/XXXX XXXX XXXX {$210.00} XX/XX/XXXX XXXX XXXX XXXX {$13000.00} XX/XX/XXXX Someone uses my information to apply for all these and wants it to be removed thank you

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-06
Company: Avant Holding Company, Inc.
State: NY
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have sent multiple disputes and complaints about this account I have paid it in full and the representative agreed once paid settled they will remove it off my credit report. it is still on my credit report and is showing as if it hasn't been paid off it is showing a balance of {$2900.00} on my XXXX  credit report. I have proof that I've paid this settlement balance off by check I will upload the proof this has been reporting on my Credit report and inaccurately for over a year which is preventing me from getting credit from other lenders and messing up my reputation. 

Loan ID XXXX CUSTOMER ID XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-13
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I've spoken with numerous reps from the company and they are not accurately documenting that i request no further calls or accurately documenting my account. I've spoke with XXXX XXXX, XXXX, XXXX, XXXX, and XXXX XXXX. I've made settlement offers which the refuse to accept even though i'm disputing the account but they still want to collect on the undisputed portion and have no way to validate the current balance. At least during 2 of my conversations, one being in XX/XX/XXXX, I requested no more calls but was told at that time that the company does not honor verbal cease and desist request. I received another call on XX/XX/XXXX, spoke with XXXX, XXXX, and XXXX who confirmed that the company DOES IN FACT accept verbal cease and desist request but claimed that none of my previous conversations indicated that i requested that the company stop calling me but XXXX assured me this would now be documented. I've been given false and misleading information about the companies procedures numerous times and at this point i feel that their communication is abusive and i'm being harassed over such a small debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I recently discovered that one of my creditors has re-added a previously deleted item to my credit report, which is a violation of the Fair Credit Reporting Act ( FCRA ). This has caused significant damage to my credit score and financial situation. Despite disputing the re-added item, the creditor has failed to remove it from my credit report. As a consumer, I am now considering filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) to protect my rights and seek resolution to this issue.

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 2023-09-22
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
When I investigated my credit report, I realized that some of the information was erroneous. Experian is required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX XXXX XXXX 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 2023-11-13
Company: Renton Collections Inc.
State: WA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
They have repeatedly contacted me at work and home at all hours. They have used abusive language and threats. The numbers they have been calling from I had to do a XXXX search to find out who they are. I have no written communications from them and When I ask who they are they tell me I don't need to know.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-13
Company: MIDFIRST BANK
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My problem begun on XX/XX/2022 I'm a recipient of XXXX XXXX XXXX XXXX I was awarded XXXX forward payments. I spoke to someone last week from XXXX and was told that my XXXX payments were already sent but my mortgage company or utilities provider hasn't received anything yet. XXXX XXXX XXXXXXXX

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 2022-01-09
Company: Coinbase, Inc.
State: OH
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
Coinbase has locked my account twice in 5 days for no reason they are holding my btc in my account and wont respond. Ive verified my card with XXXX small transactions and my identity. My bank said I cant dispute because the cant dispute btc transactions can you please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
i did not open these accounts

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 2023-09-22
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
As a victim of XXXX XXXX  and identity fraud, I've written several letters to the credit bureau explaining my situation and have sent proper proof of my victimhood. 

The bureau continues to ignore my case without investigation. The information is false, inaccurate and needs to be removed from my credit file.

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 2023-07-10
Company: Kehoe Financial Group, LLC
State: DC
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I received a letter from XXXX XXXX XXXX attempting to collect XXXX debts on XX/XX/XXXX, each of XXXX. XXXX XXXX claimed I had received XXXX traffic violations in XXXX, XXXX in XX/XX/XXXX. I had not received the initial notices of these from XXXX, and upon request, XXXX provided copies of those violations on XX/XX/XXXX. I have XXXX issues of concern. 

XXXX ) I was deprived of the ability to contest the fines, as XXXX failed to provide them to me. 
XXXX ) I was assessed penalties on the fines, because I did not pay them promptly, though I had no notice of the fines. 
XXXX ) XXXX is attempting to collect XXXX per violation. Each fine, with penalties, is XXXX XXXX. As of writing, the conversation rate for Euro to Dollars would make each fine about {$250.00}. XXXX 's attempted over-collecting is egregious and without authority. 
XXXX ) XXXX failed to provide notice of the violations within 1 year of the issuance of the violation. According to the XXXX Department, they have exceeded their available time to provide me notice of the violation. 

I have tried to resolve this issue with XXXX but they have refused to discuss any of my concerns. I have tried to address this concern with the XXXX of XXXX, and that effort is ongoing. I have contacted the XXXX Department XXXX covering XXXX, and they have been helpful. I would like the CFPB to assist in resolving my immediate issue with XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-20
Company: EQUIFAX, INC.
State: KY
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:
The unverified items indicated below were reported on my credit report in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. I need the following items to be removed from my file immediately. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I do not work for anybody No job employment should be on report XXXX XXXX XXXX Inaccurate address only address should be on my report is XXXX XXXX XXXX XXXX XXXX Al On address that should be on my 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 non-monetary relief
Consumer complaint received 2023-03-20
Company: EQUIFAX, INC.
State: TX
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:
XXXX will not remove collection XXXX XXXX account that is being reported in accurately on my credit report is that conducting proper investigation as required by the Fair Credit Reporting Act. THIS SAME EXACT XXXX XXXXXXXX XXXX WAS REMOVED BY XXXX THROUGH THEIR PROPER INVESTIGATION FROM MY CREDIT FILE.

Company response to consumer: Closed with explanation