BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-07
Company: Tribal Lending Enterprise, Inc.
State: NJ
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
I was browsing for personal loan at XXXX and was matched to ascendloans. XXXX was stating at its website that the maximum loan interest was XXXX  percent. Also, I knew that it is a crime in NJ to issue a loan for more than XXXX  APR, ( The criminal usury limitations ( N.J.S.A. 2C:21-19 ). The company was charging me {$XXXX} every Monday. The loan number XXXX was issued on XX/XX/XXXX in the amount of {$XXXX}. They charged my account for XXXX  times in the amount of {$XXXX}. Once it exceeded XXXX  percent I called them and realized that they were charging XXXX  percent. I paid {$XXXX} and closed the loan. Before they told me that they were reporting the activity to credit agencies. When paid off and it was not reported to agencies, I called them and they changed their initial statement that they were reporting to credit agencies. It was clear, they XXXX  mislead me. They claim that as XXXX  companies they are exempt from state laws and they can charge XXXX  percent for the loan. According to the Federal Court decision XXXX, XXXX, XXXX it was ruled out that online XXXX  payday lenders must comply with state interest rate limits, licensing laws and other state laws, and can be sued through their officers for injunctive relief if they do not. XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-30
Company: Experian Information Solutions Inc.
State: NY
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:
Experian provided incorrect information to XXXX XXXX. The actual credit score in the credit report from Experian ( XXXX ) is different from what Experian had provided to XXXX XXXX ( XXXX ). XXXX XXXX  already investigated from their end and they just used the information that Experian had provided. Also, the credit score from Experian is much lower than the ones ( XXXX and XXXX ) from two other credit bureaus.

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 2023-03-09
Company: Exeter Finance Corp.
State: TN
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
On XXXX XXXX I received a notice that my maturity date for my XXXX XXXX XXXX would be maturing on XX/XX/XXXX and my car would be taken due to failure of maintaining contract obligations. 

When I called to find out why my balance I owed was still {$4600.00} and I had 70 payments paid out of 72 at XXXX a month I asked how I owed that much and it was then I found out that my car when I first leased through them accrued around {$15.00} a day based off amount owed. When I spoke to them XX/XX/XXXX they said that {$2.00} still accrues based off the balance. 

Instead of owing {$1100.00} for my two final payments they sent a letter threatening action if the {$4400.00} balance was not paid off in full. 

I found out that it was a simple interest loan so I had interest based off my balance daily ( wasnt aware of this accrual ) and another accrued balance based off my balance monthly ( was aware of the 24 % APR ). 

I feel like I have been ripped off and that the contract shouldnt be legal because I was not aware of this ploy to pay not only a monthly interest but a daily interest on top of that. 

My vehicle should be paid off with the normal ( {$590.00} ) a month by XXXX ( 72 payments ) but it is not, I have to pay an additional $ XXXX dollars or so because of the daily accrual from the simple interest loan. 

Only reason I got this company was because I had such a bad credit score back in XXXX, at this point they are taking advantage of not only myself but many others as well, I cant be the only one. 

They should not be a company that does business with the public because in my opinion they prey on people based off their financial needs. 

They want to take my car to turn around and resell it to the next person with bad credit. 

Please help me and my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-30
Company: PMAB,LLC
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I received an update from my credit report that alerted me a new debt was now on my credit report. The debt says it is from Pmab , LLC from a XXXX XXXX XXXX XXXX for {$280.00}. I never received anything from XXXX XXXX XXXX XXXX   disclosing any information about a debt, I also never received anything from Pmab LLC disclosing any information concerning a debt associated with XXXX XXXX. I tried to call Pmab LLC on XX/XX/XXXX, I let them know this was not a debt I owed, they kept telling me who it was from and I stated I haven't been to a XXXX XXXX XXXX XXXX. That got me no where! I've attempted to have this information sent to me via email or mail with no results. Even IF I had ever went to an emergency room or Dr visit, my insurance has a copay, I pay the copay that is on my insurance card and nothing more ( unless it's a prescription ), this {$280.00} doesn't add up to any copay or visits. They say it is from XX/XX/XXXX, why have I never received anything until it alerted on my credit with false information?! It sounds to me as if they're trying to just get money which is not owed to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-07
Company: Experian Information Solutions Inc.
State: PA
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 AM WRITING TO DELETE THE FOLLOWING INFORMATION IN MY FILE. THE ITEMS I NEED TO DELETE ARE LISTED IN THE REPORT. I AM A VICTIM OF IDENTITY THEFT. I DEMAND THAT YALL REMOVE THIS ITEM TO CORRECT MY CREDIT REPORT IMMEDIATELY! I HAVE ENCLOSED AND SENT THE FEDERAL TRADE COMMISSION THE INFORMATION ALONG WITH THIS AFFIDAVIT.

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 2023-01-19
Company: U.S. BANCORP
State: AL
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
My personal information was stolen an change due incorrect information can't verify my identity to any account or bank account information someone change my identity trying located my savings bonds an CD

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 2023-02-28
Company: Experian Information Solutions Inc.
State: OH
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:
Fraudulent inquires are reporting on my credit report from XXXX, XXXX, Experian, and from the companies listed below. The fraudulent inquires are damaging my personal credit. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-03-07
Company: Experian Information Solutions Inc.
State: FL
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 see XXXX and XXXX XXXX buy on my report. I did not do this. I contacted both companies they have no record of me by name, number, social or dob. They are inquiries and I have been assured no accounts exist active or otherwise.

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 2018-08-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
The balance XXXX is sending to the credit bureaus are incorrect

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 2023-01-07
Company: Paypal Holdings, Inc
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
Hello, XXXX XXXX, my PayPal account can not be linked to the bank and withdraw cash. I have called the PayPal customer service representative many times, but the problem has not been resolved. Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-07
Company: Experian Information Solutions Inc.
State: MI
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, GA XXXX Incorrect information on 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 2018-08-30
Company: VANDERBILT MORTGAGE & FINANCE, INC
State: LA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I tried to get a modification and was denied.I need help. I lost my job in XXXX and couldn't afford my mortgage, because I only receive XXXX monthly

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 2023-01-06
Company: EQUIFAX, INC.
State: MI
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:
Sent certified letter to credit bureaus in regards to the furnisher of bankruptcy information stated on report. I requested the bureau to provide me with all documentation associated with this Public Record Account bearing either a court order to place this information in my credit report, or my authorization to release bearing my signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-17
Company: PNC Bank N.A.
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 status incorrect

Complaint:
I have a line of credit in the amount of {$1000.00} with PNC Bank. I am a long standing customer as well as my husband as his business account are with PNC ( was known as National City Bank as well as my accounts as well. A couple of months ago the amount of {$140.00} was used from the line of credit on one of the accounts. I don't know if it was an over draw or what. The bank sent us a bill and I gave it to my husband and he forgot to pay it. It was an oversight. When the bank sent a second notice, he went in and paid it and the account was paid in full and up to date. In the meantime, PNC reported this to XXXX with a statement that my account was suspended and closed. I was so upset. I went into the bank and they were not helpful. Even though it was an oversight and I never had a late payment, they said that I would have to take that up with XXXX  which I know can't do anything about it without PNC getting involved. My account is open and active and PNC would not even send an update to XXXX  and XXXX to tell them that the account is open and active So now on my credit report this untrue statement will remain for 7 years. I have worked extremely hard to keep my credit rating in good standing and now this is on there and it isn't even true as of XX/XX/2019. I never have had a late payment on anything. I am surprised that they did this and more unhappy that they will do nothing to update this so it doesn't show a closed account on my credit report. 
I filed a Complaint with XXXX  but without PNC cooperating, nothing will happen Hopefull your agency will be able to help me so that I will not have to have this blemish for 7 years on my credit report.. 
This is not how to treat a long standing customer. 
Thank you for your time. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
on XX/XX/2019 i made a deposit at Bank of america with a check for XXXX the deposit receipt, the teller at the branch my account online and the person from customer service all said my deposit would be available by XX/XX/2019. the next day the date changed until the XX/XX/XXXX. reasoning is my account is under 30 days old. the check has cleared and has been deducted from the check writers account. why am i being punished for the sake of " policy ''? they have the money!

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 2023-01-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 am writing to request a XXXX for a charge-off that was written off and I never got a XXXX to see how much of it got written off. I understand that this charge-off has been reported to the Internal Revenue Service XXXX IRS ). I am requesting the form XXXX to be sent to me for the following accounts : 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 non-monetary relief
Consumer complaint received 2023-03-23
Company: Phoenix Financial Services LLC
State: MD
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:
Greetings, On XX/XX/2023, I received an alert that my credit report was changed. I then viewed my report and noticed that Phoenix Financial Service reported that I owed {$380.00} and it's in the collection. I do not own that account that they report to the credit agency. 
I disputed the account over three times and still, nothing happened and it continues to reduce my credit score. 

I have never received any notices from this company stating I owe a debt to them. They directly went straight to the credit bureau stating I owe the debt and placed it into the collection section on my report. I have no knowledge of where this debt came from. As of today 's date, I still don't have this information, so I am really baffled as to where they got it from. 

Note : My information has been comprised on the dark web of my social security number, and email as well. My name has been spelled many different ways on my report and I also had to dispute that also. With that being said they are in violation of my HIPPA rights by reporting medical information. Therefore, I will seek legal assistance if they continue to pursue and collect a debt they claim that I owe while violating my HIPPA rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-19
Company: Experian Information Solutions Inc.
State: AL
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 initially disputed inaccurate information with the credit bureaus and XXXX assuming they reached out to XXXX XXXX XXXX about the information I provided. Theyre violating my FCRA rights by continuing to update inaccurate information. Theyre reporting XXXX repossessions and also have different balances on credit reports. XXXX also have a repossession for the month of XXXX and a payment was made for that month. They also failed to report my last payment in XX/XX/2022 but reported the repossession and repossessed my vehicle within a week after I paid them. Theyve also reported an auto loan on my credit report which is inaccurate. Proof that its a retail loan will be uploaded.

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 2023-01-07
Company: CITIBANK, N.A.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On XX/XX/XXXX. I got a call from a Citibank person stating that my bank acct had been hacked and was compromised and I got scammed when they access into my online banking and register for XXXX- they made 2 unauthorized transfers from my checking account - the amount of XXXX And another XXXX The bank begin an investigation and didnt applied the provisional credit or response on 5 days.

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 monetary relief
Consumer complaint received 2018-08-30
Company: Experian Information Solutions Inc.
State: WA
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: Problem getting your free annual credit report

Complaint:
Hello, My name is XXXX XXXX, I am an XXXX XXXX XXXX male student, I have realized and tried to get my credit score from various places and still have found no hope in doing so, I have been recently notified by my plan with XXXX that my credit score is XXXX, which is surprisingly low and shocking for a student that has not taken any loans whatsoever and have been in the united states for almost XXXX years now as a citizen I would like to receive and know why my credit score is significantly low. 
thank you!

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 2022-12-18
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
According to the California Licensing Act Under Section 1788.52 of the California Civil code, a consumer is allowed to ask to dispute a debt at anytime a debt is being pursued in their name, not just at the very beginning of a debt purchase. Specifically, the law states " The names and addresses of all persons or entities that purchased the debt after charge off, including the debt buyer making the written statement. The names and addresses shall be in sufficient form to reasonably identify each such purchaser. '' And " A debt buyer shall provide the information or documents identified in subdivisions ( a ) and ( b ) to the debtor without charge within 15 calendar days of receipt of a debtors written request for information regarding the debt or proof of the debt. If the debt buyer can not provide the information or documents within 15 calendar days, the debt buyer shall cease all collection of the debt until the debt buyer provides the debtor the information or documents described in subdivisions ( a ) and ( b ). '' On XX/XX/2022 in the documents that were forwarded to me through the CA XXXX. Portfolio Recovery Associates LLC failed to provide me with the names of all the creditors and entities that the debt they are collecting has passed through. 
according to my records, other companies had acquired the debt before Portfolio Recovery Associates. And that I requested this information originally back on XX/XX/XXXX of 2022 and have continuously asked them to provide the name of all past creditors since then. They have passed the 15 days allowed under California law to report the debt to the credit Bureaus and thus need to remove the collection till such information is provided. Also when I originally asked for all information required of Portfolio Recovery Associates LLC back on XX/XX/2022 they did not respond to my debt dispute until XX/XX/2022 according to the records they sent me. That is 37 days passed since the delivery of my initial dispute letter. Which also greatly passed the 15 days they are given under California law. They were also reporting to the credit Bureaus after the 15 days had passed which is also a violation under the California Licensing act. Portfolio Recovery Associates did validate part of my debt and ca requirements by sending me a statement from the account but they continue to omit information required by California law. As such, I believe Portfolio Recovery should immediately stop reporting to the credit Bureaus as they are supposed to according to the laws cited above. Until they send me a copy of all previous purchasers of the debt. It has now taken them 68 calendar days and counting to do so which I believe is unfair.

Company response to consumer: Closed with explanation