BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-27
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: Credit inquiries on your report that you don't recognize

Complaint:
XX/XX/XXXX wrote Experian by certified mail by signature confirm. No response. Requested inquiries to be removed due to fraud and not having my consent. The inquiries are listed with the names and dates. 
Experian XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-02-19
Company: EQUIFAX, 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 below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXX # XXXX. 
Account name : XXXX # XXXX. Account name : XXXXXXXX # XXXX. 
Account name : XXXX # XXXX. 
Account name : XXXX # XXXX. 
Account name : XXXX # XXXX. 
Account name XXXX XXXX XXXX XXXX # XXXX. 
Account name : XXXX XXXX XXXX XXXX # XXXX. 
Account name : XXXX XXXX XXXX # XXXX. 
Account name : XXXX XXXX # XXXX. 
Account name : XXXX XXXX # XXXX. 
Account name : XXXX XXXX # XXXX Account name : XXXX XXXX # XXXX. 
Account name : XXXX XXXX XXXX # XXXX. 
Account name : XXXX XXXX XXXX # 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 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 response to consumer: Closed with explanation
Consumer complaint received 2020-03-25
Company: Law Offices Howard Lee Schiff, P.C.
State: CT
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Struggling to pay your loan

Complaint:
Problem started taking a personal loan from XXXX XXXX XXXX for XXXX back in XX/XX/XXXX. I have been paying the regular payments and was almost at 50 % done before the recession in XX/XX/XXXX. XXXX  XXXX XXXX tried to collect only XXXX to close the account. I didn't have that money to pay it off but I paid about {$1400.00} and couldn't negotiate the rest. a couple of years later. my loan was gone to a collection Agency called XXXX ( Law Office of Howard Lee Schiff P.C. Theses people were sending me notice to my old  address which I didn't have access to and then they went to the court and never had a chance to defend myself or come to agreement. All of a sudden I receive a letter to my current resident address stating that XXXX  have taken action collecting {$35.00} a week starting XX/XX/XXXX. but guess what, I'm paying for my original loan amount again XXXX they probably bought it for XXXX   or less. I didn't complain and reached out and almost paid the first year in total. had some trouble paying for 2 months ( l {$280.00} ). two weeks later. a letter from marshal was sent to my work asking them to deduct 25 % of my paycheck. Is that fair! Oh, and again i'm back to XXXX by adding {$2500.00} marshal fees on top of the loan ... .I 'm down and don't know what to do. These guys never communicated with me before taking any action. I'm not feeling comfortable at work knowing that this was brought to where I work.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-11
Company: EQUIFAX, INC.
State: TN
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:
Upon reviewing my updates, incorrect information is being reported to my personal credit file. The XXXX, Equifax XXXX Credit Reporting Agency has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. XXXX, Equifax XXXX have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following inquiries are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. 
XXXX : XXXX XXXX XXXX XXXX XXXX XX/XX/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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-18
Company: Revco Management, LLC
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Received XXXX  medical service at XXXX XXXX XXXX XXXX on XX/XX/. I was never provided any pricing information. I never received a bill. The hospital never submitted the bill to my insurance. No contact was made prior to a notice from Revco Solutions that I owed {$7400.00}. I have sent two letters demanding proof of debt and evidence to substantiate the debt including original bills from the hospital to me and my insurance carrier. No information has been provided.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-19
Company: U.S. BANCORP
State: AZ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
In XX/XX/XXXX I requested for loan modification due to I was laid off XX/XX/XXXX and new job less half income. My account remained current in XXXX I received approval for trial payments. Per the letter step 1 I was to make payment no later than XX/XX/XXXX. I made the payment of XXXX as indicated by the date on letter even though trial was not to start until XXXX. I made 2nd payment XX/XX/XXXX and 3rd payment XX/XX/XXXX. US Bank reported me 30 days late for XXXX payment. If the letter had not indicated to make trial by XXXX I would have made my regular payment as always and trial on XXXX but that is not what the letter stated and US Bank will not correct I believe this is unfair and deceptive as the letter stated step 1 pay by 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 2023-08-18
Company: M&T BANK CORPORATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
Hi my name is XXXX XXXX XXXX submitting they claim because its been a few months since I was supposed to have access to my tax refund deposited on my XXXX bank account the account number is XXXX every since I received my tax refund my bank hasnt allowed me to use my funds I can login fine and see funds but cant use it, they told me this was because my account wasnt opened that long and that they needed to verify me in person which I did but Everytime I do is something new they just keep me goin in circles like hold on but never no answer almost like they dont care or just wan na keep holding my funds.

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 2023-04-30
Company: OneMain Finance Corporation
State: IL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
XX/XX/XXXX : applied for a personal loan from this company to pay for medical expenses XX/XX/XXXX : email received stating loan documents were ready to e-sign XX/XX/XXXX : received another email from loan company stating my loan is complete, and to click on a link to download my loan documents ; it stated the link would only work for 7 days. I called the company because the link did not take me to a website that I could download my loan documents. As I recall, I never received my loan documents, and when I called the company about this, they told me the amount of my loan, and when the first payment would be due, and for how much. 
Although I dont have exact dates at the moment, I repeatedly called the loan company asking for docs, including a payment schedule showing interest and principal-never received them. 
XX/XX/XXXX : after going through the companys XXXX app, I noticed it said this is a Precomputed Loan I called the company again to ask what that meant, and I never got a straight answer. 
My first payment was due, and paid on XX/XX/XXXX in the amount of {$240.00}, All subsequent payments have been in the amount of {$190.00}. 
As of XX/XX/XXXX, I have paid in a total of {$2800.00}. The original loan amount was {$5000.00}, for which I was funded that less their fees at the time, which ended in a deposit to my account in the amount of {$4500.00}. I asked the company why I didnt get the full {$5000.00}, and they told me it was an origination fee. 
XX/XX/XXXX : the companys XXXX app states I still owe {$6500.00} on this loan. I am filing this complaint against this company for illegal loan disclosure practices, an illegal loan product ( Precomputed ), and an excessive APR, which is now at 35.99 %.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I noticed incorrect information on my credit report which are inquiries XXXX- XX/XX/XXXX XXXX XXXXXXXXXXXX  XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX These are all incorrect and fraudulent

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 2017-05-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
I am a victim of transunions injury issue.   I have :  XXXX   XXXX    XX/XX/XXXX    XXXX   XXXX    XX/XX/XXXX    XXXX   XXXX    XX/XX/XXXX  These hard inquiries were already off my credit and now they are back on. Please fix this issue, thanks.

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 2023-08-18
Company: Westlake Services, LLC
State: FL
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Loan sold or transferred to another company

Complaint:
U.S Auto Finance Inc. Sold my loan to Westlake Portfolio Management ( wpm ) without any notice in XX/XX/XXXX. I called to make my XX/XX/XXXX payment on my XXXX XXXX XXXX spoke to Usa Auto Finance CompanXXXX paid my XX/XX/XXXX payment of XXXX .Westlake portfolio is a Dept Collector. WPM is stating to me that I have a past due notice of {$740.00} I have made my payments. US Auto finance Inc has shut my car off several times before this if I was 1 day past due. Why would my car be sent to a debt collector when my loan was in good standings.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-30
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
Transactions were constantly blocked by Wells Fargo stating it was fraud prevention but they would allow random companies to withdraw funds from my account without my knowledge or authorization

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 2023-04-30
Company: BARCLAYS BANK DELAWARE
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I have a credit card with JetBlue Airlines. Barclays is the issuer of the JetBlue credit card. My entire credit card balance constitutes of 2 different types of zero ARP promotions. I do not have any balance that is currently under APR. One part of the promotional balance expires in XXXX and the other promotional balance expires in XXXX. Knowing that I had a balance coming due to expire soon, I sent a payment to pay off that portion of the balance. After looking at my recent statement, I noticed that Barclays allocated part of my last payment towards the promotional balance that was due in XXXX and left an unpaid portion of the promotional balance that was due in XXXX. I have called Barclays to ask them to please use my entire payment to pay off the promotional balance that is due in XXXX, but my request was denied. I called Barclays 2 times and the second time I also spoke to a supervisor. The 2 times I called Barclays I was told that the way the allocate payments is it first goes to purchases, then to balance transfers and then checks. I told them that I was not aware of this, and this was never explained to me. If I would have known this prior to using their promotional balances, I would have had planned better how to pay the entire balance off. I asked where this information is disclosed on their website and both representatives including the supervisor told me that their website does not disclose this information. As a consumer, I feel that this practice is unfair. Barclays emails me lots of promotions encouraging me to use my JetBlue card, but they do not inform me of how my payments are allocate when there is no APR being charged. Barclays should make this information very clear to their consumers so that they can make better decisions before using their credit card.

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 2017-05-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MO
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:
In reviewing my credit report, I noticed  a Hard Inquiry from Capital One  on  XXXX  of    2016. I made no attempt to apply for any credit through capital one, and in my attempt at mortgage financing I was lead to believe that the number of inquiries on my account contributes to lowering my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-19
Company: Kansas Counselors, Inc.
State: MO
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/XXXX, I noticed my credit score had decreased by 66 points because of an unknown debt collections account, Kansas Counselors. The amount was {$1300.00} from a company I had never heard of, XXXX XXXX. I filed a dispute since I did not recognize either of these companies, and no prior effort had been made to collect this debt. None of my medical bills are ever that high since I have good health insurance coverage with XXXX XXXX XXXX XXXX XXXX. 

On XX/XX/XXXX, my dispute was denied by XXXX. I searched for Kansas Counselors online since their phone number was not provided to XXXX. Many XXXX Reviews call them a scam and accuse them of collecting on bills that had already been paid or were from different states people even lived in. I called them on XX/XX/XXXX, and they provided no information about my account other than it was from " XXXX XXXX XXXX. '' I asked them what it was for, what services were provided, and by whom, and they could not answer this information, which seemed like a scam. 

I called XXXX XXXX XXXX  and they had a past due bill for a visit to the XXXX I had on XX/XX/XXXX. Again, I had never heard from this company or any effort to collect this bill. This medical office billed separately from the hospital. I paid a {$350.00} copay to the hospital on my day of service. For whatever reason, XXXX XXXX XXXX had my health insurance information and did not bill them AT ALL. I asked them to adjust my bill with my correct information, and they said they wouldn't since it's been a year. I asked for an itemized list, but they also could not provide it. I called my insurance company and they said there was nothing they could do without XXXX XXXX filing the claim. 

Kansas Counselors is attempting to collect a debt that they know nothing about and can not validate. XXXX XXXX XXXX did not bill me correctly and sent me to collections. I still don't know what the physician bill was for. Anthem said they could do nothing without the medical office submitting a claim, which they refused to do. The man at XXXX XXXX was unhelpful, combative, and couldn't provide me with any information on what they were collecting on. I wish I had more information to upload, but my health insurance was the only company that could provide more details.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-07
Company: PNC Bank N.A.
State: MO
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
In XXXX of this year, PNC closed all XXXX of my accounts without my consent. I never received any correspondence notifying me of the actions taken on my account. 
The first time I contacted them on XX/XX/XXXX, I received conflicting information about my accounts. First, I was told that my online banking was turned off and then later I was told a hold had been placed on my account. Subsequently, I went to the branch location to attempt to resolve this matter and I was advised that my accounts were closed and that I should receive a check for all the funds within 30 days. 
In XXXX, I received correspondence notifying me that I had been granted full access to my accounts. After receiving this advisement, I went to the branch on XX/XX/XXXX to attempt to retrieve the funds because I had yet to receive the funds within the advised 30-day period but I was unsuccessful because of the hold that still remained on my account. 
I contacted PNC by phone again on the same day and I was advised the letter notifying that I had been granted access to my accounts was erroneously sent and the hold was still placed on my account with no close end-date. 
I have been told that a case had been created on XX/XX/XXXX to escalate my banking concerns and that I should hear from a manager within 1-2 business. No one made contact with me so I went to the bank branch on XX/XX/XXXX to alert them I would be filing a CFPB complaint if I had not received a check for the funds or the check number and tracking info by XX/XX/2022. They filed and scanned the letter I gave them to my online file. 
My case was then assigned to XXXX XXXX in the XXXX XXXX department. She attempted to contact once by phone and email on XX/XX/XXXX. I called her back 3 days in a row, left a voicemail, and she didnt return my call. 
Every time I called to attempt to get in touch with XXXX XXXX I was connected to a completely different department and on XX/XX/XXXX was told a different person named XXXX XXXX would have to get back in touch with me who had made no contact before. 
XXXX XXXX contacted me on XX/XX/XXXX and asked me what my issue was as he was unaware and said he would call me back with an update. I have received no call back from anyone within PNC Bank or the branch.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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've contacted Trans Union several times concerning the following incomplete information on the following matters : XXXX XXXX XXXX acct # : XXXX & XXXX XXXX XXXX XXXX XXXX Acct # : XXXX XXXX XXXX XXXX acct # : XXXX I've contacted Trans Union to challenge the reporting and compliance on the above alleged accounts, that is being reported on my credit report with incorrect/missing information. I am referencing the fact they continue reporting this information with a PARTIAL account number. With Trans Union NOT reporting the entire account numbers, they are NOT reporting 100 % accurate information as REQUIRED by SECTION XXXX of the Fair Credit Reporting Act. And their practice is HIGHLY DAMAGING to my XXXX XXXX!! They claim their information is accurate, however i continually have requested the names, address and telephone numbers of each individuals contacted regarding these alleged accounts. I requested from Trans Union a copy of ANY & ALL documents bearing my signature, yet they continue to fail to provide me with this information. I requested that ANY automated response or E-Oscar verification is UNACCEPTABLE!!! I requested a reinvestigation and their methods of verification, I never received any of this information. I reminded them as in XXXX v. Trans Union XXXX, XXXX. XXXX ( C.D. XXXX XXXX, XXXX ), Trans Union XXXX be held liable for their willful non-compliance. Also, there's a Hard inquiry on my report from XXXX XXXX on XXXX, XXXX, i DID NIT AUTHORIZE. And this shouldn't be allowed in my credit file unless i authorized it. Again, Trans Union has ignored my request to have this removed. I sent certified mail requesting in both matters these issues be immediately removed because it's making it very difficult for me to acquire credit. And AGAIN, they have ignore my concerns

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