BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-08-17
Company: Atlantic Recovery Solutions LLC
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Good Afternoon, I have gotten 2 phone calls XXXX claming to be a legal matter not discussing what the "Legal Matter was" on my voice mail. He then calls my parents and looking for tells them i have a "Legal Matter" which is illegal to do because as an agency you are not allowed to expose to family members what they are looking for you are only allowed to ask if they person is still around to collect or looking for any debt. Im not sure what this debt is about or if its even paid off. This company Altalitc recovery solutions already has a class action law suit for threatning their customers about court orders. I called that number back and it went straight to voicemail. Being on unenpolyment my main concern is paying rent not a so called "Legal Matter from NY when im in PA. If someone serves a legal matter it has to be in the state. I would like this taken care of. They are also called Atlantic Recovery Solutions/XXXX XXXX as well. So when i first herd the voice mail it was XXXX XXXX then Atlantic Recvory the 2nd voicemail.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-08
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
today is 25 days waiting for my XXXX and XXXX reached out to me that they never recd the transfer from TD bank for XXXX that they said they sent. CFPB already got an answer for this complaint on XX/XX/XXXX stating the bank will xfer funds from my closed TD acct to my XXXX XXXX bank account. ( initiating bank ) it would take 5-7 biz days. Today is the 25th biz day and my money is not in my acct. They are holding my money illegally!!. can not call them ( wait times are over 1 hour, and they do not answer emails. ) They stated to you that the funds would be transferred and as of today they are not in my acct at XXXX XXXX ending in XXXX its 25 biz days! previous complaint # is XXXX Thank you but they are cheating me. I am owed XXXX!! XXXX  acct # XXXX. On XX/XX/XXXX I transferred XXXX to TD acct from XXXX. On XX/XX/XXXX I transferred XXXX from XXXX to open TD acct. Now the funds are somewhere but not in my XXXX acct. Please send the $ $ NOW I UNDERSTAND THE COMPANYS RESPONSE TO MY COMPLAINT No THE COMPANY DID WHAT THEY SAID THEY WOULD DO WITH MY COMPLAINT No

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-09-15
Company: BlueChip Financial
State: CA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have been receiving at least 2-3 calls a day from XXXX XXXX XXXX. They have called my parents, my in-laws, my brother and my husband repeatedly. They called from different numbers each time. When I talk to them they are very rude and say I am playing games and that I am irresponsible. I have explained to them many times that I do not work, I have no income and to please stop calling. They keep calling me non stop. This week alone they called me 4 times on XXXX/XXXX/XXXX, my husband and myself, once each on XXXX/XXXX/XXXX, my husband on XXXX/XXXX/XXXX. They called my in-laws twice that I know of 2 weeks ago. 
They lie and say my husband setup a payment arrangement, which I know is not true. 

These people are rude, they talk over you, never letting me explain my situation. They never say they amount that is owned. They WILL NOT send something in the mail, they say they CAN NOT do that. They have called so many people that I know that it is embarrassing.

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 2018-02-27
Company: Bliksum, LLC
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem with the payoff process at the end of the loan

Complaint:
Issue with XXXX : Over the last twenty-one ( 21 ) months, Ive paid XXXX close to {$7000.00} in payments on a {$3100.00} loan. In trying to pay off the loan today ( XX/XX/XXXX ) I was informed that the payoff amount was {$3600.00}, which is approximately {$700.00} more than the original loan amount after paying them monthly payments of {$350.00}. Anyway, I sent them a payment of {$3100.00} today to pay off the principle amount that was barrowed. So Ive now paid XXXX  close to {$10000.00} for a {$3100.00} loan. Which is over 220 % in interest rate fees on a {$3100.00} loan. Which in my opinion is out outrages and is a total miss representation of the product services that was described to me in my dealings with XXXX  when I originally applied for the loan back in XX/XX/XXXX. 

What astonishes me about my dealings with XXXX is that Ive never over the twenty-one ( 21 ) months that Ive been making payments on this loan, that Ive ever received any documentation on this loan, terms of the loan, interest rate being charged and a payout schedule - nothing. Which is interesting, because they state very clearly on their website the following : Clear information on the cost of your borrowing, including any fees and charges, and our terms and conditions, which is not true in my case and Ive asked in previously conversations with their customer service representatives to send me this information. 

Now some people could construed my position on this as Buyers Remorse on my part, however I believe this borders on the definition of Fraud. 

The other thing that is interesting to me is that they have continued to call me today ( seven calls and counting ) since I spoke with them earlier this morning on what I was planning on doing related to this matter. In fact I even mentioned that I couldn't believe or image that they could get away with this type of business practices in this business environment. 

So I look forward to hearing back from you on your opinion on this matter. 

Thanks, XXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-27
Company: EQUIFAX, INC.
State: AZ
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:
To whom it may concern : I tried to get my Equifax credit report but was denied. This isnt the first time and I tried to get them to investigate it but they didnt. They have credit information that is fraud on my report. I found out through a private detective that someone took out a credit card and auto loan in my name. Also they are reporting I worked at XXXX XXXX when I have never worked in the industry of hospitality. Please look into this ASAP. Thank you sincerely XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-05
Company: Comerica
State: IA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Problem getting a working replacement card

Complaint:
Comerica/Direct Express says a replacement card was mailed but it has not come. 
We have tried for 5 days, all hours if the day and night, to reach their customer service but literally no one ever answers.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-18
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: Information belongs to someone else

Complaint:
To Whom It May Concern, I was looking at my credit report. I noticed a few inaccurate information on my credit report on XX/XX/XXXX. The following inquiries I believe to be fraud as I never authorized them to run my credit or gave anyone permission to run my credit. I have no accounts with these people. XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX  XX/XX/XXXX. Again I never signed anything with these companies and would just like this removed so my credit is accurate. I also have a XXXX XXXX account that I was late once on XX/XX/XXXX. The customer service rep said they would remove it back in XX/XX/XXXX as a common courtesy but from looking at my score it appears was never removed. I also have another late fee from XXXX XXXX back In XX/XX/XXXX and they also they said they would remove it since I've since always paid on time. The reason I was late with those cards was because while working for XXXX XXXX at the time I had got injured on the job.

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 2020-01-21
Company: Ability Recovery Services, LLC
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: Account information incorrect

Complaint:
XXXX  dispute number XXXX Federal law prohibits XXXX  providers from billing beneficiaries who are enrolled in the XXXX  program for XXXX XXXX XXXX  and XXXX XXXX deductibles, coinsurance, or copayments. 
If you erroneously bill an individual enrolled in the XXXX   program, recall the charges ( including referrals to collection agencies ) and refund any invalid charges he/she paid. 

Billing of XXXX  Is Prohibited by Federal Law Federal law bars XXXX providers and suppliers from billing clients enrolled in the XXXX  program for XXXX XXXX XXXX and XXXX XXXX cost-sharing under any circumstances.

The XXXX  program provides XXXX   coverage of XXXX  XXXX XXXX and XXXX XXXX  premiums and cost sharing to low income XXXX  clients.

XXXX  is an eligibility category under the XXXX  Savings Programs and providers and suppliers may bill State XXXX  agencies for XXXX  cost-sharing amounts. However, as permitted by Federal law, States can limit XXXX cost-sharing payments under certain circumstances. Regardless, individuals enrolled in the XXXX   program have no legal liability to pay XXXX  providers for XXXX  XXXX XXXX or XXXX XXXX cost-sharing.

XXXX   providers who do not follow these billing prohibitions are violating their XXXX  Provider Agreement and may be subject to sanctions ( see Sections 1902 ( n ) ( 3 ) ( C ), 1905 ( p ) ( 3 ), 1866 ( a ) ( 1 ) ( A ), and 1848 ( g ) ( 3 ) ( A ) of the Act ).

PLEASE TAKE ACTIONS TO HAVE THIS REMOVED FROM MY CREDIT HISTORY AND I WANT TO PURSUE LEGAL ACTION AGAINST THE REPORTING AGENCY

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 2020-05-18
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
To Whom It May Concern, I was looking at my credit report. I noticed a few inaccurate information on my credit report on XX/XX/XXXX. The following inquiries I believe to be fraud as I never authorized them to run my credit or gave anyone permission to run my credit. I have no accounts with these people. XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX. Again I never signed anything with these companies and would just like this removed so my credit is accurate. I also have a XXXX XXXX account that I was late once on XX/XX/XXXX. The customer service rep said they would remove it back in XX/XX/XXXX as a common courtesy but from looking at my score it appears was never removed. I also have another late fee from XXXX XXXX back In XX/XX/XXXX and they also they said they would remove it since I've since always paid on time. The reason I was late with those cards was because while working for fed ex at the time I had got injured on the job.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-20
Company: EQUIFAX, INC.
State: CA
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: Investigation took more than 30 days

Complaint:
I disputed my information with XXXX, Equifax, and XXXX on XX/XX/2020 and the problem hasnt been corrected. Its been over 30 days

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-18
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:
On XX/XX/2020, XXXX XXXX XXXX XXXXXXXX XXXX XXXX Texas XXXX pulled a unauthorized credit/hard inquiry on my Equifax report confirmation number XXXX.When I discovered it I immediately disputed this Unauthorized hard inquiry.I never asked this company or gave permission to pull my credit.This is FRAUD.When I got the Dispute results back from Equifax, it says, Please contact the creditor, with a address but no phone number.Well i tried looking up this company only to discover that this company has pulled unauthorized credit pulls on lots of people.There is a forum online with the same problem.Equifax also said in results '' Inquiries are a factual record of file access '' which means that Equifax DID NOT investigate it.If they investigate my dispute, they will see that this inquiry is Unauthorized and Fraud.Because of Equifax not doing there job, it has caused my credit score to decrease on this unathorized inquiry.I have a right under the credit laws to have a dispute fully investigated.Therefore, Im demanding Equifax to reinvestigate my dispute to the fullest.I did file a FTC Fraud complaint on XX/XX/2020. 


" Inquiries are a factual record of file access but they are still " any '' item. They have to reinvestigate " any '' disputed item at your request. Futhermore, the collector or creditor must certify a permissiple purpose for an inquiry. This certification is part of the factual record ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-06
Company: EQUIFAX, INC.
State: CA
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 have already tried to sort this out with Equifax. They have letters from me on XX/XX/2022 & XX/XX/2022. 

I have requested the removal of these hard inquiries as I did not initiate them, I did not verbally authorize them neither did I authorize this to happen in writing. These inquiries by these companies are fraudulent. 

I am asking once again, for the 3rd time for the removal of these inquiries. They are : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX This is 8 ( eight ) inquiries that MUST come off my credit report. I have backed this request up already with a police report which Equifax already has in their possession from a previous mailing. The other 2 bureaus.. XXXX and XXXX have already removed these inquiries. 

PLEASE REMOVE THESE INQUIRIES and send me an updated and CORRECT FULL copy of my credit report to my current address. 

Also, My name continues to be INCORRECT on my EQUIFAX report. On my Equifax Report dated XX/XX/2022 My name is showing as XXXX XXXX XXXX... THIS IS NOT MY NAME! My legal name is : XXXX XXXX, which they have all the copies of my social security card and driver 's license so there should not be ANY excuse to not have my personal information correctly updated in my file. 

Please CORRECT my name to : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I disagree with the results of your investigation on the following items that still appear on my credit report. These inaccurate items are doing damage to my credit rating, and I demand that these items be reinvestigated. 

Per the Fair Credit Reporting Act, Section 611 ( a ) ( 6 ), I request that you provide a description of the procedure used to determine the accuracy and completeness of the information, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher. By law, this information must be provided to me within 5 business days after the completion of the reinvestigation. 
Please reinvestigate the following items, and promptly remove inaccurate, incomplete or unverifiable accounts

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 2020-05-18
Company: PNC Bank N.A.
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I am a student moving out and was selling furniture online ( Total price was {$180.00} ). 
I was contacted by an individual who was interested in buying the same. 
The buyer sent me money through her 'company financier ' in the form of an e-check, for {$890.00} which I deposited into my PNC bank account using the mobile deposit feature on XX/XX/2020. 
The amount of the deposited check was posted into my account on XX/XX/2020. The buyer then asked me to deduct the amount for my furniture ( {$180.00} ) and send the difference ( {$700.00} ) via XXXX to movers who would be picking up the furniture. 
The next day, XX/XX/2020, she told me that the initial movers had canceled and so sent me another check of {$750.00}, through the 'company financier ' to be sent to a new moving company. I again waited for this e-check to be deposited into my account, once the funds were in my PNC account, on XX/XX/2020, I sent the entire amount via XXXX to the second movers. 
On XX/XX/2020, the predecided day on which the movers were supposed to pick up the furniture, none showed up and I received an email from the buyer saying that she would no longer be buying the furniture. 
On XX/XX/2020, I was informed by PNC bank that the initially deposited check of {$890.00} was being returned. I was then again informed that the second check of {$750.00} was being returned as well. 
As a consequence of this, my bank account has also been overdrawn which is negatively affecting me. I had made the payments against these checks only after PNC made them available in my account which should have reflected that they were verified. 
As a student account holder, I would've expected PNC bank to be more vigilant about the activity before allowing funds to be present in the account. 
Due to this entire transaction, I have lost $ XXXX $ XXXX {$1600.00} which is incredibly difficult at this point in time and caused a grave inconvenience.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-16
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: Information belongs to someone else

Complaint:
The credit agencies are experiencing so many breaches right now that it is affecting everyone. And this is what my complaint is in reference to. I have accounts on my credit report that is not mines, I'm requesting the following accounts be blocked from my credit report. The following are XXXX XXXX for {$180.00}, XXXX XXXX XXXX for {$38.00}, XXXX XXXX for XXXX, and XXXX {$1.00}, these accounts are not mines.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-16
Company: PNC Bank N.A.
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I am a XXXX XXXX and suffer multiple conditions including XXXX. Around XXXX on XX/XX/2023, my phone rang and the caller ID stated " PNC Bank XXXX. I have two accounts with them, but currently carry no balance and never authorized them to conduct sales calls, so when I saw them calling I instantly had a XXXX XXXX, with my XXXX XXXX  and XXXX XXXX jumping to unhealthy levels believing that I was the victim of fraud! 

I answered the phone and the young lady began to give me a spiel saying that she was calling to " help '' me and wanted to schedule a better time so that we could speak about PNC 's products that could help me. ... 

I responded, already in an altered state, " Ma'am, I have never signed anything allowing PNC to solicit to me on my mobile, why are you calling? '' she stated that she was not soliciting, that she was only calling to help? Help, I never asked for their help. At this point I'm having trouble breathing as my XXXX XXXX continued to climb. I asked her to transfer me to a supervisor, to which she replied, " she's at lunch ''. I then repeated my request to speak to a supervisor on the floor, to which she then said " I'm going to place you on hold '', a hold that was never released. 

This is not only breaking the law concerning solicitation, to my mobile number no less, but has caused me XXXX XXXX XXXX XXXX XXXX XXXX for what, to try and sell me products I never asked for or need?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-27
Company: Experian Information Solutions Inc.
State: FL
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:
On XX/XX/XXXX, I discovered that XXXX XXXX XXXX XXXX was incorrectly being reported as a negative account. I included this debt in my bankruptcy discharged in XX/XX/2017. I contacted XXXX XXXX XXXX XXXX and they agreed that the account is being reported incorrectly and the debt had been, indeed, added to the bankruptcy Case number 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