BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-08-28
Company: CNG FINANCIAL CORPORATION
State: TN
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount

Complaint:
I had a payday loan that was do on XX/XX/2019 for {$500.00} with check n go XXXX XXXX XXXX XXXX, XXXX, TN XXXX. I contacted the manager XXXX because my payroll check was short two due to a payroll error. I explained the situation to him and told him that i would have to come in next week because i did not have enough to pay and rewrite my loan.He told me he could not guarantee to hold the check. I told him the money is not there and i am trying to let them know i will be in next week. He said he would call district manager and call me back. He did not call by XXXX XXXX   so i called him back he stated that he spoke with his district manager and he said as a one time courtesy that he would honor it. I told him i would definitely be in next week to pay. I told him if they pay it Monday i would be in but if not definitively on my payday that Friday. I called to give a follow up XX/XX/2019 letting him know i still was not able to borrow but would be in on Friday XXXX said OK never said anything about sending it into the bank. This morning XXXX 2019 my account was overdrawn because he sent the check in. I called him when they opened at XXXX and asked him to have his district manager to call me. He stated that he was the manager i told him i did not wish to speak with him and to have his district manager to call me. He then stated that his district manager was  on PTO. I then asked for a number to there corporate office he gave me the wrong number twice. When i called the number it was asking am i a home owner. I told him i would call another location and get the the number that was given to me was a customer feedback number no where to really speak with no that could help. The gut typed in my feedback and that was all.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-24
Company: CAVALRY INVESTMENTS, LLC
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Upon receipt of this notice, Im demanding you to cease further communication with me through all mediums including my consumer report through the consumer reporting agencies. You do not have my consent or the express permission of a court to communicate with any third party in connection with the collection of any debt pursuant to 15 USC 1692c ( b ). I refuse to pay such alleged debt and any noncompliance to such notice being given, will result in me having to exercise my consumer rights against you for failing to comply with the provisions of the Fair Debt Collection Practice Act pursuant to 15 USC XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, XXXX, XXXX, XXXX, XXXX and 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

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 2023-09-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting 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 below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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  has violated my rights. 
0 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 than 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 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 2020-10-04
Company: M&T BANK CORPORATION
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
When I was XXXX at the direction of my XXXX mother I signed my parents mortgage application. The mortgage itself never had my name on it ( on the monthly statements ) and never reported on my credit score or personal income taxes. In XXXX my father was diagnosed with XXXX making him unemployable. My parents fell behind on their mortgage payments. Fast forward XX/XX/XXXX the bank using the initial loan application files a lawsuit against me. Now the mortgage that has not appeared in my credit score shows up and shows over 6 months overdue. My parents are about to now go into foreclosure and I am afraid it keeps getting me dragged into this financial liability I never shouldve been involved in. I never even had title on the house giving me no legal right to even remedy the situation. My parents are about to become homeless as I am the only surviving child that earns any income. Please help me fight this. This is a prime example of predatory lending. As someone who works in banking today, I can tell you with confidence this is not allowed today as predatory lending laws now prevent this but doesnt work retroactively even thou the loan started in XXXX. While my family struggle to potentially fall into severe financial crisis, banks are allowed to continue to practice remedies afforded to them. How this is not a financial crime?

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 2023-09-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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: Investigation took more than 30 days

Complaint:
I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

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 2022-09-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Hello, I went to a restaurant XXXX  on XX/XX/22. My ticket total was {$40.00}. I typically order the same XXXX XXXX with extra shrimp. The issue is I found a ladybug in my salad and immediately called them before they closed. A male id himself as the manager stating that he would replace the order, I was upset but agreed. About six weeks later I contacted them to replace the order and the female manager accused me of having the order already replaced three or four times! This upset me so much because I would generally spend money in their establishment about three to four times per month. I wrote a terrible review for the restaurant however I still wanted to be refunded. So I contacted Capitol One they gave me a temporary credit however reversed it stating it's their policy that I contact another competing restaurant and have them write a letter stating that a lady BUG is not supposed to be in my food. I feel this is very asinine and totally unnecessary, so I am filing my complaint with CFPB. I took a photo as proof. The area manager insulted me suggesting that the bug could have fallen off me! I have bank statements two to three years back purchasing food from the chain I'm not sure why they would want to assume anything other than what I advised them of on XX/XX/22.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-10
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: Investigation took more than 30 days

Complaint:
I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

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 2023-09-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Recently, I did an investigation on my report which caused XXXX XXXXXXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct In accordance with the Fair Car Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violations of not reporting 100 % accurate.

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 2023-04-14
Company: EQUIFAX, 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:
My name is XXXX XXXX, this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reportsno consent is fraud. 

XXXX XXXX XXXX Date Opened : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-11
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: AR
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I was never notified of this debt, per 15 USC 1692 I was to be notified within 5 days. Per 15 USC 1692gf, unfair practices. No information given regarding debt. FTC Report filed and other reports filed. Unknown debt over 2 months now and no information given. Not sure who this company is and how I even owe them or ever entered into contract. Since you have not supplied the demanded proof of the alleged debt, under the doctrine of estoppel by silence, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists.

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 2020-12-21
Company: Fair Financial Corp.
State: PA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Problem while selling or giving up the vehicle

Complaint:
I initiated my return with Fair corporation on XX/XX/2020. They were to pick up the car within 3 days. It took them 8 days ( for which I had to maintain all liability insurance ). During this time since the car was still in possession they drafted a payment from me but assured me theyd backdate the billing and refund me the full amount owed. The car was in excellent condition ( I have video and photo proof ). I have called Fair many times over the past two months and there is always an excuse as to why they are unable to refund me. A ticket has been entered for my issue as of XX/XX/2020 # XXXX. I called back on XX/XX/2020 and filed a complaint as I was told no one had even looked at the ticket. The representative escalated my concern to a complaint and yet, here we are at the end of the month and again they have not contacted me nor have I been refunded. They stated there is an internal issue with their billing system but that is not my problem. They are withholding {$650.00} from me during a pandemic and at XXXX time with zero sense of urgency or care now that Im no longer a client of theirs.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-19
Company: Experian Information Solutions 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:
I wrote a letter to Experian on XX/XX/XXXX to notify them of an incorrect account on my credit report. I do not feel that an investigation was done because there is still a late payment reporting in XXXX for accounXXXX XXXX XXXX  XXXX XXXX. In XXXX my payments were deferred so there should not be any late payments hence the reason why XXXX and XXXX aren't reporting any late payments. Experian would have known this if they would have done an investigation. Being that it has been over a month and this account is still reporting, I am demanding that this late payment is removed within 15 days. Experian is in violation of the FCRA and CARES ACT and I will be taking this to small claims court if this error is not updated immediately. Please see the letter that is dated and time stamped. The account in question is highlighted.

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 2023-10-12
Company: WELLS FARGO & COMPANY
State: MN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
I requested a {$400.00} check be sent via Wells Fargo 's bill pay service to my Doctor 's office to pay down my account on XX/XX/2023. The check was sent on XX/XX/2023. XX/XX/2023, I contacted my Dr 's office as they were supposed to have received the check on XX/XX/XXXX and I wanted to make sure it had been received and I found out it had the wrong address listed. At that point I contacted Wells Fargo and requested the check be canceled and a new one issued to the correct address. Later that day I received notification that they wouldn't cancel the check because it had ben cashed that day. I requested and received the proof of payment with the copy of the canceled check. The endorsee on the check is clearly identified as a company other than the doctor 's office the check was made out to supporting that the check was fraudulently cashed. The same day I submitted a claim that the check had been sent to the wrong address and that it had been fraudulently cashed. They denied the claim on XX/XX/2023 because they hadn't made an error when they sent out the check, disregarding the fact that I wasn't saying an error had been made on their part but that the check had been fraudulently cashed. 

I tried XXXXwo more times, on XX/XX/XXXX and XX/XX/XXXX, trying to clarify the information each time but I always got the same response. They didn't make a mistake in sending it out so they won't do anything. Even though the check was fraudulently cashed by XXXX XXXX XXXX. I did try to reach out to them to try and get my money back that way, but they kept asking where I was a patient at and couldn't process the fact that I wasn't a patient with them and they fraudulently cashed a check not made out to them.

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 2019-08-28
Company: GREAT WESTERN BANCORP, INC.
State: IA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
Great Western Bank. On XX/XX/XXXX, I authorized a payment for the morning of XX/XX/XXXX for {$100.00} to be paid to my credit card from my checkings account. They posted the payment on XX/XX/XXXX. They never credited the amount to my credit card, but took the money out of my account, over drafted and charged me, and put the {$100.00} back in my account. If they had charged me on the authorized date, the payment wouldnt have been overdrafted. Secondly, my bank account is not allowed to go negative for any sort of payment. And then, on XX/XX/XXXX, somebody reauthorized that exact same payment. I did not authorize the payment a second time. They once again over drafted me and charged me for it and then returned the {$100.00} never at any point crediting it towards the account it was supposedly paying. In total, they charged my account at least {$150.00} in overdrafts and return fees for one payment that did not get posted on the Authorized date, and then got reauthorized by someone to overdraft and charge me more. They are literally robbing me and not only am I out the {$100.00} that I need to pay my credit card company, they affected my credit score significantly by delaying and not processing the transaction correctly and then recharging me unauthorized.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-04
Company: JPMORGAN CHASE & CO.
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 worked with Chase to pay off a charge off that I was no responsible for due to a previous company I worked for that closed and had used this card as my company card. After years of fighting with the company, I decided to work with chase and settle the debt to just make it go away as it was ruining my credit. I completed and paid in full. Chase acknowledges, yet, has not updated my credit report and will not send me anything via proof wise so I can continue with a pending home purchase. They noted they would send something in the mail, but to date, they still have not mailed anything. I called again letting them know the situation and the loss of a home and deposit due to them not sending me proof that I did the right thing and paid it off and they were very unmoved by any of it. So now, I will lose so much because they just can't be bothered to report timely.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-26
Company: Experian Information Solutions Inc.
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: Problem with personal statement of dispute

Complaint:
XXXX XXXX XXXX does not have a business license in Georgia and is NOT authorized to conduct business in the state of Georgia. I am a resident of Georgia, therefore XXXX XXXX XXXX. attempting to conduct business with me is a direct violation. 

I demand this alleged debt to be REMOVED AND DELETED from my EXPERIAN credit report as it is your legal obligation to maintain an accurate report at all times! Failing to delete and remove this collection is a direct violation of my consumer rights! 

The attachment below shows proof that they do no have a license to conduct business in the state of Georgia. Choosing to ignore the fact of the matter is illegal and violates my rights.

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 2023-06-27
Company: EQUIFAX, INC.
State: AZ
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, has violated my rights, 15 USC 1681 Section 602 states I have right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A Creditor May not treat a payment on a student loan account under an open end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation