BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-10-10
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: Credit inquiries on your report that you don't recognize

Complaint:
Hi I took a look at my credit report and I noticed a hole bunch of inquiries that I did not authorize I tried contacting the bureaus but they are giving me issues saying i need to contact each and every creditor me as a human being simply don't have enough time in my life to do so between work and family i would like for all the inquiries that i did not authorize to be removed from all three bureaus immediately 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 2020-08-24
Company: CarMax, Inc.
State: MS
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint:
I've previously attempted to settle the matter with this company but they have ignored my requests and are now in dishonor. The company received a Notice and Demand to Validate Debt Claim on XX/XX/2020,  according to the tracking info on the Notice. As of XX/XX/2020, no response has been received and the company is well over the 30 days alotted in the Notice and Demand to Validate the Debt. A Fiduciary Appointment was mailed and received by the company on XX/XX/2020.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-29
Company: ENOVA INTERNATIONAL, INC.
State: OH
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Loan payment wasn't credited to your account

Complaint:
I made a payment on XX/XX/2020 to pay the balance in full. I received a confirmation email advising that I paid the balance in full and they still charged me {$56.00} on XX/XX/2020, In which they told me I had to pay this amount even though my account was already paid in full. 
I overpaid and now they refuse to issue my refund, even though I have an email from them confirming that I paid my balance in full on XX/XX/2020.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-08
Company: RGS Financial, Inc.
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This is XXXX XXXX XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involved in the process. This was a corporate account and mistakenly reported on my profile. Had your record-keeping been accurate, and where is the proof of payment history? The XXXX Credit Bureau is willfully in violation of FCRA and condoning illegal behavior, please remove this collection account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-03
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:
Wrong Address, Fraud, Incorrectly Shows Account That's Not Mines. Fraudulent Address & Negative Account Information Still Appearing On Equifax Credit Report. I'm Not Familiar With Address ( XXXX XXXX XXXX XXXX, XXXX, TN XXXX ) In Reference To Account Number Starting With XXXX Including The Unrecognized Phone Numbers Associated With The Negative Account After Contacting The Creditor Directly. My Correct Current Phone Numbers Are XXXX XXXX XXXX XXXX And XXXX XXXX XXXX XXXX. " XXXX XXXX XXXX XXXX, TN XXXX '' Is My Current Correct Home Address As It Reflects On My Government Issued ID, Identity Theft Report And Piece Of Mail For Identity And Address Verification I Uploaded As Well For Supporting Documentation. Based On The Facts, The Negative Account Is Fraudulent Prior To Unmatched Personal Information. The Following Emails XXXX '' And POSSIBLY " XXXX Was Also Compromised The Same Year The Fraudulent Activity Occurred. The Reason XXXX XXXX Was Still Receiving Complaints From That Email Through The CFPB Portal Is Because I Created An Online Account With Them That Same Year As Well. This Is A Huge Mistake Even Though XXXX BANK Claims That Fraudulent Activity Didn't Occur On Their End And I Can Also Say The Account Was Opened In My Name But The Charges Is Fraudulent But I'm The Wrong XXXX XXXX XXXX So It Isn't True And Accurate If I was Incarcerated That Year To. So I Couldn't Have Opened It. My Information Is Mixed Up With Someone Else 's And I'm Sorry About This Big Mess. Gladly To Say I Hired XXXX To Assist Me And The Account Will Be Challenged, Receiving Future Letters Asking To Provide Documentation Verifying That The Account Is Actually Mines So You Might Wan na Review Again Because After This Final Time, Dispute Resolution And Complaint. Im Seeking Legal Action Against XXXX BANK Headquarters.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-10
Company: EQUIFAX, 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: Credit inquiries on your report that you don't recognize

Complaint:
Hi I took a look at my credit report and I noticed a hole bunch of inquiries that I did not authorize I tried contacting the bureaus but they are giving me issues saying i need to contact each and every creditor me as a human being simply don't have enough time in my life to do so between work and family i would like for all the inquiries that i did not authorize to be removed from all three bureaus immediately thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-05
Company: Experian Information Solutions Inc.
State: WA
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: Was not notified of investigation status or results

Complaint:
I filed a dispute with the credit reporting agencies in regards to inaccurate information reporting on my credit reports. It has now been over 30 days, I filed a 30 day demand to comply with the credit bureaus and still have yet to receive any response. My initial response was sent on XX/XX/2020 and 30 day letter to comply was sent on XX/XX/2020.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-03
Company: AMERICAN EXPRESS COMPANY
State: NV
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 was not late with 1. American Express XXXX, XXXX, XXXX, XXXXXX/XX/2020. 2. I was not late with XXXX XXXX XXXX, XX/XX/2020. 
3. I was not late with XXXX XXXX XXXX, XX/XX/2020. 
4. I was not late with XXXX XXXX XXXX  XXXX, XX/XX/2020. 
I send all three credit bureaus dispute via certified mail. All three came back as verified. I send copy ' s of my bank 's statement from XXXX to XX/XX/2020 showing bill 's paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-16
Company: Innovis
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have been checking my credit and I found a public record and some inquiries that do not belong to me, I have been advise to file this complaint to clear this matter, and to separate my seft from this inaccurate report on my credit, and FTC complaint is attach to this request for blocking this fraudulent information from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-16
Company: TCF NATIONAL BANK
State: KY
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
I was issued a check from a class action lawsuit that was sent, and cashed by my son XXXX XXXX XXXX. The check was from my bank account, he's never had one. Can you cancel the check and reissue it to me?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-01
Company: Big Picture Loans, LLC
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
I applied for a loan of {$870.00} around XXXX 2017! I printed out a copy of the Loan Payment Schedule ... ..so that I would have a record of how much would be due, when each payment was due, how much was going to interest, how much was going to principal, and what my payoff would possibly be if I wanted to pay the loan off early.
I called after the first payment just to see what my payoff would be ( now remember I only borrowed {$870.00} ) at this point my payoff was almost double what I borrowed.
I called after my 2nd payment ... ..again the payoff was still almost doubled what I had borrowed.
Each time I called they could n't really explain in a clear manner what was going on, why the figures were so different, why they were getting much more than I had borrowed and why nothing they said was matching up with the Loan Payment Schedule that I had in my hand!
The reps put me on hold, I asked for supervisors ... ..the supervisors put me on hold, no one could give a clear definitive answer on how I would be able to pay this Loan off closer to the amount I had actually borrowed!!!
They constantly referred me back to the tiny print of the Loan agreement, they reminded me that the Loan accrued interest daily, which By The Way was over 500 % DAILY!!!!!!
I feel these people/this company are grossly unfair, customer service is almost non-existent, information about their loans are misleading, the numbers do not add up, the fees and payments seem to change daily, and you are not able to pay their Loans off anywhere near the amount that you actually borrow!!!!!! Also I found out that they ( this company ) is a federally recognized XXXX XXXX Tribe, but their businesses are not regulated by the Federal Government!!!! All I want is to be able to pay this Loan back close to the amount that I borrowed ... ..and not have to pay ridiculous exorbitant fees and interest! This Is Totally Unfair ... ... ... Right now as of XX/XX/2017 I have made 2 payments of {$370.00} of the {$870.00} My next payment of {$370.00} is due on XX/XX/XXXX ... ..I will have paid {$1100.00}! The Loan Payment Schedule has me set to make ( 6 ) payments to BPL ... .I will not need 6 payments to pay them back {$870.00}!!!! *Again my next payment of {$370.00} is due on X/XX/17, the ending amount at that time will be $ {$540.00}, which also shows that the beginning balance for XXXX 2017 will be {$540.00} ... ..I want to send them {$540.00} before XX/XX/XXXX and be done with BPL!! !! I JUST WANT BPL TO BE FAIR AND EQUITABLE WHEN THEY MAKE LOANS TO THE PUBLIC!!!! RIGHT NOW THEY ARE HORRIBLE!!!!! I would never advise " ANYONE '' to do business with BIG PICTURE LOANS

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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 sent certified letters as well as affadavits in regards to this matter I SENT CERTIFIED LETTERS TO THE UNITED STATE BANKRUPTCY XXXX DISTRICT OF ALABAMA IN REGARD TO THE COURT 'S PROCEDURES FOR FURNISHING INFORMATION TO CREDIT BUREAUS AND THE METHOD OF VERIFYING THAT INFORMATION WITH CREDIT BUREAUS AND THE LETTER THAT WAS SENT BACK TO ME SAID THAT THEY NEITHER FURNISH INFORMATION TO NOR VERIFY INFORMATION WITH CREDIT BUREAUS BUT YET THE CREDIT BUREAUS STATE THAT THEY VERIFIED THIS INFORMATION SO THAT IS SHOWING THAT THE CREDIT BUREAUS ARE LYING THEY DID NOT VERIFY ANYTHING IN REGARD TO THIS BANKRUPTCY NOT THE ACCOUNTS THAT ARE LISTED UNDER THE BANKRUPTCY

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 2020-11-22
Company: Experian Information Solutions Inc.
State: PA
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:
The first inquiry in question was apparently made by XXXX XXXX XXXX XXXX  on XX/XX/2020 and I have no recollection of doing any business with XXXX XXXX XXXX XXXX. 

The second inquiry was made by XXXX XXXX on XX/XX/2020 and I have no recollection of doing any business with XXXX XXXX. 

The third inquiry was made by XXXX XXXX  XXXX on XX/XX/2020 and I have no accounts with XXXX XXXX XXXX. 

XXXX inquiries were made by XXXX on XX/XX/2020 and XXXX XXXX. I have no accounts with XXXX. 

Another two inquiries were made by XXXX XXXX on XX/XX/2020 and XX/XX/2020. I have no primary accounts with XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-30
Company: APEX Asset Management, LLC
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Debt Collector states this account was open this year with an Balance of {$290.00}, I haven't visited of seen a doctor at XXXX XXXX XXXX XXXX NJ the year of 2018.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-10
Company: PNC Bank N.A.
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I have ongoing disputes that are preventing me from closing this account and they continuingly charging me monthly account fees, plus regardless of what they say if I lose the dispute I am not getting the dispute loss letter in the mail via the Postal Service and when they debit the account I am on aware but all of a sudden I get this email that I owe them fees because of it being overdrawn .. : However I never got the letter they put me no the accounts going to be debited I want to close the XXXX things PNC is the worst bank I ever dealt with, whos a customer for almost 20 years and Im out because the nonsense like this, I have no problems covering the funds that I owe XXXX for any dispute I lost however I am not paying monthly account fees nor am I paying any kind of overdraft fees because I am not using the account

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-10
Company: Continental Finance Company, LLC
State: CT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
According to a XXXX XXXX with Continental Finance, the balance on my account ending in XXXX is XXXX as of XX/XX/XXXX, this is stated in her reply to a previous complaint regarding an unauthorized charge in the amount of XXXX .... She stated charge was credited back on same date, XX/XX/XXXX. However, a statement received most recently with a closing date of XX/XX/XXXX shows a balance of XXXX, which does not coincide with what she states. Due to account status, I am not able to log in to website to view activity/ balance information. There is an error on her part or on the statement, which was cut after XX/XX/XXXX. I need clarification as to the exact balance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-03
Company: GLA Collection Company, Inc.
State: KY
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
OnXX/XX/2021 I received a Letter from this collection agency in response to a Debt Validate Letter. The information that they provided was unverifiable and the alleged debt is invalidated. They did not include proof of legal right to collect on these debts, nor proof of contracts bearing my signature, nor proof of licensure and nor proof they are within the states statue of limitations. Under the Fair Credit Reporting Act and other consumer protection acts, it is my responsibility to investigate and ensure that the details being reported to the credit bureaus are accurate. I am distressed that the company has not provided me with what I have asked for. I demand these debts to be deleted from my credit file and cease all collection activities immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-22
Company: TrueAccord Corp.
State: NV
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Starting back in XX/XX/2019, I started receving emails from True Accord. I have written 4 letters to them asking for the emails to stop and all communiation to be via USPS mail only. I have also asked for debt validation. True Accord has ignored my requests and keeps sending me emails on a frequent basis. It is annoying that they refuse to respond and stop the emails as I never gave them permission to email me. It is really difficult and upsetting to continue to receive these emails. And gosh, they even go to my employers phone thus giving my employer access to them as well. That is very unacceptable on many levels. I am just fit to be tied.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-28
Company: Experian Information Solutions Inc.
State: NY
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have tried for the last 3 months with many complaints regarding eceprian and their false advertising using Credit Boost. i have tried to call them well over 50 times andthey refuse not to fix the problem but refuse to answer my calls or return my calls. they refuse to list my information to credit boost correctlt and the sysyems does not raise your credit score when they keep on advertising on tv. When you try to call it takes almost 5 minutes just to go thru the options and it repeats the same thing over and over until you have to try several times to call back to get to the right department. when i spoke to someome about this weeks ago they keep on sending an email to me that they are trying to fix the problem with their credit boost. so why are they still advertising it when it does not work. i have followed all the rules but all i get is excuses and frustration because they are making it so difficult to help build your credit.I have spent 100 ; s on man hours on the phone trying to speak to someone and end up being transfered to another person then get disconnected Experian shuls be sued for what they are doing.

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 2020-08-24
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
filed ftc on these accounts XXXX XXXX XXXX XXXX XXXX not mine

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 2018-07-01
Company: U.S. BANCORP
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting a working replacement card

Complaint:
I lost my card and contacted the company for a replacement card. I was told that I have to wait 5 business days to receive a card after I am required to send my Id to them first. I sent picture of license and utility bill while on the phone. I have bills to pay and my money is being withheld. I use the address they have on file and another address. I was told there is nothing to be done and now I have no access to my account balance online and when I call it says my balance is XXXX. I asked to close the account and receive a check for my balance and was told no

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 2022-12-16
Company: Experian Information Solutions 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:
I just recently reviewed my credit report for the first time and notice a bunch of unauthorized Hard Inquiries. I did not authorize these Hard Inquiries nor do I know how they are on my credit report. I have filed a indentity theft on identitytheftgov and I have attached it to this complaint and i'm requesting that these Hard Inquiries be removed from my credit report expeditiously.

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 2023-02-16
Company: Experian Information Solutions Inc.
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 status incorrect

Complaint:
I am filing this complaint for myself because I did not consent to, or authorize nor benefit from any of the following accounts and inquiries. Please Block and remove it.

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