BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-05-19
Company: CURO Intermediate Holdings
State: OR
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Can't stop withdrawals from your bank account

Complaint:
I got a payday loan back in XX/XX/XXXX one was on XX/XX/XXXX for {$300.00} then again a day later on XX/XX/XXXX for {$300.00} and then another one on XX/XX/XXXX for about {$250.00} one only on the first one I used to be sent to my checking account and the rest I picked up and each loan had my checking account from XXXX XXXX XXXX on file which was also the one that had been direct deposited in so it was the card I authorized to run to pay back. Well there was no way I could pay those back and made a poor discion and the fact that it's legal is beyonf me. They probably ran my debit card 25 different times and some occasions they got money and the rest been insufficient. I have gotten collections letters numerous times. On XXXX  XX/XX/XXXX they some how got my other checking account information and it said it was debit card that was charged. They ran it 3 different times for {$350.00}, {$350.00} and {$330.00}. where they got the amounts in do not know and how they got my card information I do not know but when I logged in my account they had multiple cards on file when I've only gave them one. They took over 1,000 of my unemployment  money that I have been waiting almost 2 months for. I was gon na use it to try and catch up my already behind rent. I never authorized them to use that card and they shouldn't have to right to just run it 8 months later. And give no warning or receipt or even answer me. Company 's always just XXXX me over left and right basically Rob me so I know it's along shot for anyone to help me. I'm just sick and tired of businesses making me feel so helpless because they always win. Banks can take and hold your money whenever they want and never help you and it's just okay

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-08
Company: Experian Information Solutions Inc.
State: MD
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. 

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 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 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. 16815-2 ( 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 2020-12-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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:
This organization has reported this account as delinquent.. This account is active and has a positive balance and has been paid frequently! Reporting is as such should break FCA ... 24?!? Dollars Really!!! And I am a Veteran! Really sad our country have come to this!

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 2019-03-14
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/19, an unauthorized XXXX recipient was created and one minute later {$500.00} was transferred out of my savings account.

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 2020-07-06
Company: U.S. BANCORP
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
Last XXXX, XXXX, we received a letter from US Bank that our loan for a XXXX XXXX XXXX XXXX was paid off. My wife and I had not paid off the loan and spent many hours and phone calls notifying them this was a mistake or fraud. After many hours trying to straighten it out, they said they applied a loan payment to our loan from someone else on accident and that it had been fixed. Turns out it had not been fixed. 
Recently, XX/XX/XXXX, we decided to sell the trailer. After finding a buyer and taking a deposit to hold the trailer until title release, I took a cashiers check from XXXX XXXX to US bank to pay off the loan. The amount was {$20000.00}. That was on XX/XX/XXXX. They said they could not process the loan payment in branch or enter it into the computer. They gave me a handwritten receipt. After 8 days, the loan had not been paid off and the title had not been released. The branch manager notified me things were taking longer because of Covid issues. On Friday, XX/XX/XXXX, we spoke again and she said that their lean had been released to my wife and I accidentally in XX/XX/XXXX. I did not believe them and was very concerned because of what had taken place in XX/XX/XXXX with the false payment. I called a DMV registration services business and gave them the VIN #. US Bank had given lienholder status to the fraudulent company from the previous year and returned their false payment back to them in addition. We have been making loan payments to US Bank for 9  months and they had turned over lienholder status to a company named XXXX XXXX XXXX somewhere in the east coast back in XX/XX/XXXX. I called them and told them about the mistake but can not get any answers from them at this point. I do not know how to right this ship or get my title from them at this point. Needless to say, I am very angry.

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 2020-02-15
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I have unsuccessfully attempted to contact Equifax directly in reference to a negative public mark on my report, even with confirmations of inaccuracies. This bankruptcy item was paid prior to judgement and never had a balance. This case was filled in error in 2013, and was dissolved within days of the filing. 

This same information was conveyed, acknowledge, and removed by the other 2 credit bureaus [ XXXX  & XXXX  ]. However, Equifax did not remove the item and could not be reached other than electronic disputes that merely implemented conflicting rulings. 

I have continuously been subjected to multiple report breeches currently and in the past, which have always made my credit report vulnerable to identity theft and online predators. To my knowledge, Equifax uses XXXX XXXX XXXX as a facilitator and buffer to justify their ambiguous results. I'm open to any suggestions because I feel that I'm being treated unfairly and my credit is very sacred to me. I have exceptional credit and I work very hard to maintain it on a continuous basis. Thank you for listening.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
Upon reviewing my credit file, incorrect information was found in my reports. The TransUnionXXXX Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the items that are reporting on my Credit Reports XXXX XXXX XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX Balance : {$11000.00} XXXX XXXX XXXX Balance : {$0.00}, XXXX ( Original XXXX : XXXX XXXX XXXX XXXX ) XXXX Balance : {$860.00}, XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$2700.00}, XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX {$400.00}, XXXX XXXX Balance : {$6600.00} XXXX XXXX XXXXL ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$420.00}, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$820.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$950.00}, XXXX ( XXXX Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX : {$960.00} Inaccurate Address : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/2019, XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX APT XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-03
Company: Experian Information Solutions 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:
Someone used My personal Information without my Consent these account are Fraud Accounts that I did Authorize

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 2020-02-15
Company: AmeriCash Holding LLC
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
This company has continued to call me, send regular correspondence and certified correspondence to attempt to collect a debt I have included in my active chapter XXXX bankruptcy. 

I notified two members of their staff on 2 separate occasions of my case information and am still receiving calls and letters. 

This is a violation of the bankruptcy automatic stay. 

I have also emailed them via their customer service email address listed on their website twice ( XX/XX/XXXX and XX/XX/XXXX ). 

They have sent 2 correspondence regular mail and 1 correspondence via certified mail in attempt to collect a debt. 

This is ridiculous and a violation of bankruptcy law.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-02
Company: Resurgent Capital Services L.P.
State: IL
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:
My attorney contacted XXXX XXXX XXXX  / LVNV Funding on XX/XX/2023, regarding an outstanding balance of {$640.00}. My attorney requested the original contract, bill history, and interest paid. They only provide the last billing payment cycle.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-06
Company: HYUNDAI CAPITAL AMERICA
State: WV
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
Payment was made online on XX/XX/2020. My due date is the XXXX  of every month. Hyundai finance applied my payment to the wrong account. I have spent over 5 hours on the phone this week to no avail.

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 2020-05-21
Company: EQUIFAX, INC.
State: AR
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 bank called me to inform me that there was a unknown charge on my account. They wanted to verify if it was mine and they were correct it did not belong to me. Later that same day I received a call from one of my credit card providers stating the same thing. I immediately knew my identity had been stolen, I got nine and made an account with XXXX XXXX and got a copy of my report. For years my name, birthday, and social security number was used to open accounts that are not mine. Please remove these items from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-19
Company: EQUIFAX, 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:
AFTER A CAREFUL REVIEW OF MY CREDIT REPORT, I HAVE IDENTIFIED INACCURATE ACCOUNTS THAT ARE DEROGATORIES AND DELINQUENTS THAT I HAVE NO KNOWLEDGE OF AND WERE NOT AUTHORIZED BY ME. PLEASE REMOVED THOSE INACCURATE ACCOUNTS THAT HAVE BEEN CAUSING DAMAGE TO MY CREDIT FILE. IT IS ILLEGAL TO HAVE SUCH ACCOUNTS REPORTING INACCURATELY ON ONES CREDIT, CONDUCT AN INVESTIGATION INTO THIS MATTER AND HAVE THE ACCOUNTS PURGED OFF MY CREDIT FILE.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-28
Company: EQUIFAX, INC.
State: IL
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:
See the attached documents. I am a victim of identity theft please remove this fraud inquiry from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
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:
TransUnion reports a 30+ day late payment on my XXXX XXXX account for XXXX XXXX. With this bank, I had automatic payments and online billing statements configured. However, my automatic payment profile was removed without consent or notification, and I received no electronic statements or other notifications informing me that my payment was not being made. XXXX XXXX claims I was receiving physical statements to my mailing address - even though I specifically had them configure online statements because I would not have physical address to this address for the majority of the year.As anyone can see based on my credit history, I am a responsible lender. All of my payments have been made on time and I do not believe that a bank that chooses to have outdated online systems and poor client communication should impact MY credit history.  I would like the late payment removed from my account due to XXXX XXXX not taking the appropriate steps to inform me that there was an issue. XXXX  and XXXX have already resolved this issue on my my report (I've attached my dispute results from XXXX  as evidence). For an unknown reason TransUnion chose not to make any changes, nor inform me of any reasoning. This is the basis of my CPFB complaint.

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: EQUIFAX, INC.
State: IL
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 credit report is showing a XXXX XXXX XXXX with an outstanding balance of {$6400.00} whereas the loan is paid off with a XXXX balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-03
Company: Credit Karma, LLC
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX XXXX for {$250.00} co-pay for outpatient XXXX. I called both the collection agency and hospital. I had no XXXX? In XX/XX/XXXX, I was in Florida most that whole year.The hospital could not find any either. There is another patient with same number. I did have a minor XXXX in the doctors office that would been subject to the office co-pay but it would not had been in office at that amount? The lady stated that from hospital. She said dont worry its closed out? 

XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX  Mail XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX   XXXXFLXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-25
Company: PNC Bank N.A.
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I had a XXXX XXXX XXXX for 2 years never miss a payment of been late.. The car was total loss in XXXX in or around XX/XX/XXXX. I got in touch with my insurance company which was XXXX and they did there part as soon as they could and I was pleased with them and during that time I called to PNC bank to report the incident and they was in touch with my insurance company and worked everything out with the payment which they paid over XXXX and Gap insurance was paying the balance which left a little over XXXX. I spoke with PNC bank several times about the payments and to keep them informed and we kept each other informed about the process and PNC new they were getting paid and they proceed to place a late payment on my credit and knowing that they were getting paid and they new the exact date that the check would be process. I would like the late payment removed off my credit because I have never been late with any of my payments on anything and I think it is very unfair for them to place this on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-01
Company: MAJR Financial Corp
State: VA
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:
On ( XX/XX/2020 ) I was a part of a consumer credit transaction this wasn't disclosed. Upon discovery I realized that I was Fraudulently damaged.

Due to ( Titl

e 15-1681B ( 2 ) /3A ) ( COMMUNICATION-1692A ( 2 ) ( CREDITOR-1692A ( 4 ) Credit reporting is optional, there is no law in the US which says a transaction has to be reported to a consumer reporting agency. You will be civically liable if you do not reply because congress states credit reporting is optional. Under title 15 USC 1681n civil liability for willful non compliance -Any person tha
t willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in the amount equal to the sum of ( A ) Any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) In the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00} whichever is greater

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-12
Company: EQUIFAX, INC.
State: CT
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've contacted Equifax about fraudulent inquiries on my report. Edid not remove the inquiries. I have an active fraud alert on my account and disputed fraudulent addresses on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-26
Company: Coinbase, Inc.
State: OH
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
My Coinbase account got hacked. I been trying to get it figured out for over a week. I tried getting access to the account but the hackers changed the phone number. And the customer service is not answering my questions. I told them that the number they are sending the authorization code to is the hackers number. This company should not have access to financial information. Everything is automated and no one will answer my questions.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-03-14
Company: SLM CORPORATION
State: KS
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
I have 5 student loans through XXXX XXXX. My monthly payments just went from {$150.00} a month to {$850.00} a month because they came out of deferment. I am a XXXX and I can not afford to pay {$850.00} a month. I tried to refinance my loans to be income based with several other lenders, but I didn't quality for any of them because my credit score is too low. I then called XXXX XXXX to ask them to put me on income based payments. They said they don't do that because they are private loans, but that they could put me on graduated interest payments for 12 months. That only lowered my monthly payment by {$170.00}. When I asked what other options they had for me, the only thing they offered was to move my payment for this month to the end of my loans, but the interest will still add up. So, basically they're offering me one month to somehow find a way to afford this huge monthly payment. There is no way I can afford that, and if I can't make the payments, my credit score is going to go down, and I am trying to increase my credit score.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation