BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-09-17
Company: TMX Finance LLC
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
I have an installment loan from my car title with instalone and this is the second time that they are attempting to bully me into making a payment and harassing me with phone calls they've called me three times in the last two days when the first call I received I told them I would be making a payment today or tomorrow and then I received two phone calls after that. 
I already filed a complaint with the better business bureau but I ended up getting bullied into borrowing more money to make the past due payment and this is all due to kovid that I couldn't make the payment. one day past the due date which was XX/XX/XXXX they slapped on another month due right now that's twice they've done that to me period plus the harassing phone calls and their bullies they are bullying me ... help me XXXX is who called me

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-29
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:
Dept. of Ed/XXXX  was advised that this information would be no longer reporting this account because it violated internal policies. See Exhibit 1. This is a confirmation sent from to me on XX/XX/2022 verifying that this above account was removed by XXXX. This was removed because it violated my privacy and an act of Identity thief. According to the FCRA if information is removed or block that in fact, should be reported to the other 2 reporting agencies. Dept. of EdXXXX failed to pass this information on and instead they continued to report the above account verified. 

On XXXX XXXX I submitted another complaint see CFPB complaint # XXXX. You Experian stated that you opened a reinvestigation and that the above account was verified. Once I requested the steps of the reinvestigation, I was denied the process and never received requested information which is a direct violation of Federal law. A FTC Identity theft Report has been Filed with you as Experian as the CRA and a FTC Report against Dept. of Ed/XXXX  ( See Exhibit 2 & Exhibit 3 ) .Considering that this information was removed because it was in direct violation of privacy according to 15 U.S. Code 1681c2. Please revisit Exhibit 1 for verified proof of block. 

Attachments -Affidavit of Truth -Exhibit 1 ( Confirmation Letter of Blocked information ) -Exhibit 2 ( Dept. Of EdXXXX ) -Exhibit 3 ( Experian FTC 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 2022-04-01
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
During Covid I experienced financial troubles, due to loss of income. In XX/XX/XXXX, I reached out to my mortgage lender PHH Mortgage for help but, was unsuccessful. During that time a representative from XXXX XXXX XXXX XXXX in XXXX XXXX, contacted me claiming they could help me with a Flex Hardship Loan Modification Plan that would get me a reduced 2 % rate and lower monthly payments on my home that I live in and on a rental that had been empty for 12 months, due to the pandemic! They asked me to sign a contract for the agreed five month trial payments beginning XXXX XXXX made the agreed 5 months payments totaling XXXX and they told me that at the end of the payment agreement, my loan modification would be approved by then! instead I am now in a foreclosure status! Im a XXXX XXXX XXXX XXXX  lady with an XXXX XXXX XXXX  son, who I care for and so now this company, XXXX XXXX XXXX XXXX, who claimed to help get me into a more affordable loan modification plan, have gotten me in a much worst situation! At the time that I began with this company, XXXX XXXX XXXX XXXX, I didnt see any scam alerts on XXXX XXXX it wasnt until after I made my last payment in XXXX, XXXX that I began to suspect something wasnt right! so I called my bank and they told me they had not received any documents! I called XXXX XXXX XXXX XXXX and spoke to a XXXX, who said she was handling my file, at which time I asked her where my money of XXXX had gone to? She said part of the money was for them and rest went to the investors that owned my loan, to process the loan modification for approval! All throughout the process there were different girls calling me, I kept asking her who was the main person in charge? I could never get a straight answer? Just to name a few of the names associated with this scam was XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX & a few others! I soon realized that I had been scammed! I asked for my money back! But instead they continued to call me to ask for more money! And claim to be working on my file! These people are so dishonest! I cant believe that they are out there hurting people and scamming people for money and all during a Covid-19 Pandemic, when people are desperate to survive and trying to recover from all of the losses! And on top of all this Im also dealing with Identity Theft!!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-26
Company: CONTRACT CALLERS INC
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. 
Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. 
Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. 
If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. 
Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts 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 2022-12-14
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: Information belongs to someone else

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX These were not authorized by me, I am a victim of identity theft. Per FCRA 6058, this information should be deleted from my credit report. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-16
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
XX/XX/XXXX received an email from XXXX regarding an order, clicked the link in the email as it turns it was a scam. The said they needed to issue a refund, attempted to refund and added an extra 0, than advised to me to give remote access to my computer. They Transferred {$44000.00} from my business account to my personal account and then wire transferred {$50000.00} to a bank account in XXXX. Went to chase bank location on XX/XX/XXXX opened a claim with Chase. Advised them of all information I had and then Waited until XX/XX/XXXX of XXXX when Chase said that there was nothing they could do to retain my business money and the claim was denied and the case was closed. I do not feel like Chase advised me well. I had to call several different numbers and keep getting different information. Cyber Fraud was committed on both my business and personal accounts and I was not given good advice or service.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-02
Company: CITIBANK, N.A.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Unexpected or other fees

Complaint:
I called Best Buy customer service today XX/XX/XXXX about the ( New ) Surprise amount Due, on the Paper Bill is {$650.00} XXXX due date = XX/XX/XXXX... XXXXXXXX XXXX person told me " Verbally '' that I must send {$1000.00} By XX/XX/XXXX, in order to make New payment arrangements... .This NEW BILL total is More than my Original Purchase Price!!!!!! I asked them Why, I owe this XXXX Now After paying Monthly for over ONE Year... They said it's Deferred interest, Which... ( was Not )... 
Explained to me Verbally, it's probably buried Somewhere in the small print. 
I asked cust. Svc Could this be Added to the back end of this account ( OR ) can I set up a " New '' secondary payment plan for the Deferred interest?? PLEASE NOTE : I'm XXXX XXXX XXXX, living on Social Security and I Can not afford to pay Any Lump Sum amount. 
I feel like I've been **Bamboozled!! 
The XXXX person told me their Lump Sum Payment was my ( " Only '' ) option ...,,, How is it possible that this is my One and ( " Only '' ) Option?? We should be able to find Some sort of Plan B, C, or D, solution that takes the needs of BOTH, parties into consideration.

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 2021-12-01
Company: CITIBANK, N.A.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Citibank claims to have restricted my accounts yet they processed my payroll direct deposit check into the " restricted account '' denying me access to my income. 

On XX/XX/2021 I received an email from Citibank indicating that my All of my accounts are now restricted from receiving deposits or credits, effective immediately. I noticed there was an issue with my account on XX/XX/XXXX after a wire transfer that I had just successfully submitted was cancelled. 

At the the time Citibank decided to restrict my accounts I had a balance of {$12000.00} in the account. 

Despite the claim by Citibank that my account was restricted from receiving deposits, when my employer last week accidentally submitted a direct deposit to that " restricted account '' ( I had already successfully changed the direct deposit bank ), Citibank still went ahead and processed the check of the amount of {$3200.00} into the " restricted account. '' This happened on XX/XX/2021. XXXX week after restricting the accounts. 

This action by Citibank is denying me access to my income I rely on to pay my bills including mortgage due today. 

Since XX/XX/XXXX to day, I have called Citibank multiple times to find out the specific issue that resulted in the accounts restriction. However, I am always redirected to Electronic Fraud Depart where they do not tell me what issue caused the accounts to be restricted. At least XXXX times, the agents hang up on me and yesterday I was kept on hold for more than an hour for a call that lasted more than XXXX hours when I asked to speak to a supervisor/manager. 

XXXX of the Citibank Agents I spoke to yesterday, XX/XX/2021, was dismayed how it was possible to accept a check into a restricted account. I also spoke to XXXX other agents who promised to file internal complaints on the actions of Electronic Fraud and How I was treated on my calls to Citibank. 

Citibank Agents flatly refused to tell me how they accepted the deposit yesterday into the account they claim to have restricted!

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 2023-03-20
Company: Block, Inc.
State: WI
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
Does the company Cashapp deny that at the time of the transaction ( XXXX ) in question being pended that I was injured and that it is because of the company Cashapp posting an amount of cash present for the transaction ( XXXX ) in question that they would not release and return back to my accountWhether they were completed or not is not in question.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-16
Company: Exeter Finance Corp.
State: LA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint:
In XXXX I received an auto loan from Exeter finance through XXXX XXXX in XXXX, La. Over the years I paid XXXX payments. I paid them double what the original amount of {$15000.00} sales price. At the maturity date of the loan XX/XX/XXXX they said I still owed Exeter close to {$10000.00}. ( XXXX XXXX of original sale price of the auto ) I cant get straight answers to how theyre applying interest especially when they offered me extensions. 
My loan matured in XX/XX/XXXX, Ive paid XXXX extra payments after the maturity date as I tried to figure out what the extra {$10000.00} was for and how I could have rectified or at least come to agreement with them. 
I tried to refinance the {$10000.00} and they told me I had to pay it all in full. 
They said that my account was over 100 days in the rear even though I have made XXXX payments since XXXX all the way up to XX/XX/XXXX. 
I didnt make a payment in XX/XX/XXXX because the email I requested of a full statement explaining how the interest and fees were applied to my account never was sent to me. 
They repossess my vehicle said they would only take a {$9000.00} payment which was the balance after the XXXX extra payments I made in XXXX and XXXX. 
I asked if I could refinance the {$9000.00} they said they dont do that. 
I researched online and discovered that Exeter has been sued by more than XXXX State Attorney General ( I know for sure in Michigan by XXXX XXXX ) where they had to pay millions back to consumers due to predatory practices so I am wondering if that is happening to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-04
Company: Experian Information Solutions Inc.
State: TX
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 do not recall applying for a XXXX XXXX XXXX and I never received the funds. I received an email that I was approved, and the funds were being sent to a XXXX XXXX account. I attempted to contact the company and did not receive a response. The account has been sent to XXXX XXXX XXXX XXXX account # XXXX and is being negatively reported on my credit report. The original creditor and information are listed below. 

Customer ID # : XXXX Principal Amount : {$1200.00} Funding Date : XX/XX/202XXXX 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 2023-05-29
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:
In accordance with the Fair Credit Reporting act. The List of accounts has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 Office Of The Atty Gener : Account # XXXX XXXX XXXX XXXX : Account # XXXX XXXX XXXX : Account # XXXX XXXX XXXX : Account # XXXXXXXX XXXX  : Account # XXXX XXXX XXXX XXXXXXXX : Account # XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXXXXXX XXXX XXXX XXXX : Account # XXXX 15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A. Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more then seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-14
Company: SG and Associates
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: Information belongs to someone else

Complaint:
For years now Ive been fighting with this company XXXXXXXX XXXX  to dispute fraudulent charges thats on my personal credit report. This business is report and that I owe a company name XXXX XXXX XXXX XXXX which I personally never collected because this account was never opened in my acknowledgement or consent. I believe the account was open sometime in XXXX and Ive been fighting since then to get these fraudulent charges off my credit report. another company is XXXX XXXX theyre stating that I owe them over XXXX, from XXXX. This account as well, its not mines, or was an open to my acknowledgment or to my consent. The previous home that I was in I left my personal wallet in my phone inside of a hidden closet inside of a closet totally forgot about it. The house was remodeled and whoever went inside that cubby space has access to my personal information.

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 2022-12-14
Company: ENCORE CAPITAL GROUP 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: Information belongs to someone else

Complaint:
For years now Ive been fighting with this company XXXXXXXX XXXX to dispute fraudulent charges thats on my personal credit report. This business is report and that I owe a company name XXXX XXXX over XXXX which I personally never collected because this account was never opened in my acknowledgement or consent. I believe the account was open sometime in XXXX and Ive been fighting since then to get these fraudulent charges off my credit report. another company is XXXX XXXX theyre stating that I owe them over XXXX, from XXXX. This account as well, its not mines, or was an open to my acknowledgment or to my consent. The previous home that I was in I left my personal wallet in my phone inside of a hidden closet inside of a closet totally forgot about it. The house was remodeled and whoever went inside that cubby space has access to my personal information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-16
Company: Experian Information Solutions Inc.
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. 

XXXX Account 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 2022-04-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. These items in my credit file are from unauthorized use of my social security number and card. I did not authorize these accounts to be taken out in my name nor do they relate to anything I did. I'm unaware of any of this. All is being investigated by the FTC.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-16
Company: Experian Information Solutions Inc.
State: NJ
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:
When i moved out of state for a few months during the move i lost all my paper work and really did not knowing anything about credit. Ive been learning and educating myself on credit and when i tried to purchase a car one day they told me i had a loan open already in my name which i did not and i guess someone used my identity to obtain a car loan in my name from XXXX XXXX XXXX XXXX. I did not authorize this or have any knowledge about it. 

The car loan that is on my account does not belong to me from XXXX XXXXXXXX XXXX XXXX for {$26000.00}. I discovered it on XX/XX/XXXX and It was opened XX/XX/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 2022-12-14
Company: Experian Information Solutions 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:
Was a victim of identity theft.. Have multiple inquiries on my credit reports that wasnt me.. Ive sent letters, emails, phone calls, disputes, to please remove all inquiries..

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