BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-12-22
Company: CASH AMERICA INTERNATIONAL, INC.
State: OH
Product: Payday loan, title loan, or personal loan
Sub-product: Pawn loan
Issue: Charged fees or interest you didn't expect

Complaint:
To Whom It May Concern : Hello my name is XXXX XXXX and the reason for this letter is because I did business with XXXX XXXX. I pawn a ring few months back and I miss my final payment and the ring was surrender. So when call to ask about the ring they offer to sell back for difference price, then it supposed to be meaning it was 2 and half times more what it supposed to be, you only required to pay the amount of the interest and what you borrow from the company. The manager I was dealing with got very unprofessional because I was try explain the situation, I told her to show the policy that they can charge 2 and half of amount to buy back your product, she inform me that they dont have nothing that explain the policy.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-06
Company: CBC Companies, 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: Their investigation did not fix an error on your report

Complaint:
My name is XXXX XXXX not XXXX XXXX. I have asked Innovis to fix this misspelling of my name and they have so far not fixed it. 
PLEASE UPDATE MY NAME TO XXXX XXXX and please take any other bad names off of my report. 

There is a chargeoff/derogatory account on my Innovis Credit Report. IT is for XXXX XXXX XXXXXXXX for {$2200.00} I have been in communication with via certified letters and over the phone with all the 3 big credit bureaus to remove this account from my credit bureaus and all of them have removed it except for Innovis.

The reason they removed it is because this account is not in my name .. it is in the name of XXXX XXXX XXXX of XXXX XXXX XXXX That is TWO DIFFERENT PEOPLE.

I have sent in all my identifying documentation to Innovis so that they can see my name on my social security card, my drivers license and a utility bill to show that this account is NOT my account. 

What I asked them to do is remove this account permanently from my records and they have still failed to do so. Even XXXX XXXX recognizes that they are in error. 

I have also requested that Innovis make XXXX XXXX XXXX account ( which is my car loan account ) a " Paid As Agreed '' .... with no late payments and the 3 big credit bureaus have fixed this and put my accounts to paid as agreed except for Innovis. 

Innovis is extremely difficult to work with. 

Thank you for helping me to fix this problem. 

A security freeze has been permanently placed on my Innovis report but these items still remain to be resolved, removed and updated to a positive credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-05
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On XX/XX/XXXX th I sent an online wire to my niece She never received it. I went to the bank and asked them to recall my wire. They said they requested it and would take up to 10 business days to receive funds back Called multiple times, about 7 times, each time transferred from department to department I escalated and they said this would take another 10 business date. Was told by one of the bankers they had received the funds back but they needed my brothers address, date of birth I gave them the info. Was told I would get my money back into my account. Did not receive one week later. I went to branch to speak to the banker and she said Nono e ever logged in the info. I gave the info again Still no information and funds have not been received and still supposedly under investigation one month later

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 2023-02-07
Company: EQUIFAX, 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:
The credit bureaus are reporting a late payment on my credit report for the month of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX that is not accurate at all. There should not be a late payment on my credit report because I was never late. The have no provided any valid proof and I am the only one who can validate this information. I never gave them permission to furnish this information on my credit report. At the moment this is causing XXXX within my life because they are ruining my reputation. They are also in violation of my consumer rights according to the FRCA

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-10
Company: CURO Intermediate Holdings
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Company, Speedy Loan sent me an email with a form, requiring a signed affidavit from notary public or police officer. This is unfair, they said if not received by XX/XX/XXXX, they would be continue collection activity on my account. This is wrong, account is not mine. Sent gmail on XX/XX/XXXX. It all started when I tried to get a loan about XX/XX/XXXX. They have all my Bank information. Not fair or right. Also, I emailed them on XX/XX/XXXX the, asking them not to proceed with collections activity. I would contact you cfpb, with a complaint. It seems they threatened me, for something I had absolutely nothing to do with. Please help me with this. 
XXXX XXXX PS- We are in a world wide Pandemic. I hardly go out, but do business on my phone. Too dangerous for me. I am a XXXX XXXX Get, trying to survive. Extremely unfair what they are doing. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-22
Company: ECMC GROUP, INC.
State: TN
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
After pulling my credit reports on XX/XX/XXXX I discovered a collection account listed on all three bureaus ( XXXX, XXXX and XXXX ) by XXXX XXXX of XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX, IN XXXX. I immediately sent a certified letter to XXXX XXXX giving them official notice of dispute. I also requested validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. I asked them to note that I was requesting " validation '' ; that was competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay them. This letter was received and signed for on XX/XX/XXXX. After waiting 30 days with no response from XXXX XXXX I pulled all  three credit reports again only to discover that they had not removed the " Collections '' listings from my reports nor had they marked them as " Disputed '' as required by The Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. 

On XX/XX/XXXX I mailed XXXX XXXX a second certified letter which was delivered and signed for on XX/XX/XXXX. Now it has been almost another 60 days from the receipt of this second letter with no response or action taken by XXXX XXXX as required by the FDCPA and FCRA. Their failure to adhere to FDCPA and FCRA requirements and local laws is seriously damaging my credit. 

I have maintained a careful record of my communications with XXXX XXXX, letterdelivery signatures as well as time stamped credit reports that clearly document non compliance by XXXX XXXX to FDCPA/ FCRA requirements and to local laws. I will provide a copy if needed.

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 2018-12-20
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 find there is a XXXX Inquiry from XX/XX/2018 on my Equifax report. I didn't authorize this one. Please delete it.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-22
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: Account information incorrect

Complaint:
Company posted a 30 day late on a card that was used with out knowledge, never received any bill, company admitted the mistake in address on the phone changed the address and now is saying they made no mistake. They also took longer than 6 months to get back to me and now every complaint is met with a phone call saying they will look into and get back to me .... the last one was months ago. I still havent heard back from them. Company made a mistake but seems to be ok with putting it off as if I will let them get away with 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 explanation
Consumer complaint received 2023-07-07
Company: EQUIFAX, INC.
State: NV
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:
Pursuant to 15 U.S. Code 1681c-2 - Block of information resulting from identity theft ( a ) Block - Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt by such agency of - ( 1 ) appropriate proof of the Identity of the consumer : ( 2 ) a copy of an identity theft report : ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I have enclosed the following documents ; ( Copy of my Driver License for proof of identity & a copy of my identity theft report ) In my identity theft report I have identified the fraudulent account and fraudulent inquiry, along with my statement ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-05
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: Account information incorrect

Complaint:
XXXX XXXX XXXX XXXX THIS ACCOUNT IS REPORTING A 30 DAY LATE PAYMENT. This is correct. Experian failed to validate the late payment. 

XX/XX/2019 XX/XX/2019

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 2021-05-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 have been writing dispute letters to the credit bureaus since XX/XX/2020 and asking for verification why they keep reporting on my credit report. However, they have failed to obtain as mandated by law proof of such debts. They have continued to report erroneous information about me. Therefore it is quite obvious that they have deliberately violated my rights in more than one way which is punishable by law

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 2022-04-05
Company: AMERICAN HONDA FINANCE CORP
State: NC
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
According to the Truth in Lending Act.15 U.S.C 1692. that protects XXXX XXXX XXXX a consumer the creditor ( Honda Financial Services ) fails to adhere to the laws under the TILA ,15 U.S.C 1692. 

Under the the FCRA U.S.C 1602. and the TILA 15 U.S.C 1692., creditor ( Honda Financial Services ) did not show that the consumer XXXX XXXX borrowed the actual price for consumer lease, creditor is charging additional insurance fees under the finance charge listed in 15 U.S.C 1692.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-14
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:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX  XXXX, XXXX XXXX, XXXX XXXX and 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 2023-06-08
Company: JPMORGAN CHASE & CO.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
My client used Chase Bill Pay to send funds to me. 

Funds came out of their account but was never credited to my bank. 

Chase put an investigation in and is claiming that my bank got the money and misapplied it. 

Chase has provided the details of the transaction they sent, but it is incorrect. It shows an electronic payment but has no routing number and shows my address instead of my bank which would be necessary for an ACH payment. 

When an ACH can not be used Chase Bill Pay sends a check. Based on their documentation it would have been a check because they show no routing number. 

Payment was not received by my bank and no check received by me.

Chase is unable to provide any acknowledgement showing a receiving party that it was received by my Bank, so my bank having never received anything has no ability to trace or track anything. 

Chase is not showing or confirming any cleared check if that is how it was sent. And so there is not confirmation of anything but Chase deducting the funds from my client and no audit trail beyond that.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX Transunion and XXXX all have different information on my reports and are allowing debt collectors too many wrongful acts of harassment

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 2021-11-04
Company: LDF Holdings, LLC
State: FL
Product: Debt collection
Sub-product: Payday loan debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
On XX/XX/2021 One of XXXX XXXX XXXX 's " employees '' XXXX?? contacted me about a debt that I owe. After trying to ask numerous questions about the Debt and your company she got rude, ugly, nasty, belligerent, screaming and using ugly language to me and talking to me like I am just XXXX. She also gave all my personal information out to someone who called on my behalf without any consent on file. Please contact me please and thank you. I have filed a formal complaint with them but what if this lady is in the chain of commands and gets ahold of my report. I do not want her treating anyone else like she treated 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 2022-04-05
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:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 2021-08-10
Company: CITIBANK, N.A.
State: TX
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:
Citi Cards Acct # ending in XXXX XXXX This is in response to Citibanks final letter of XX/XX/2021 regarding denying our cancelation of the charge to Connected Investors in the amount of {$480.00} due to allegedly having no proof of cancellation. Please note there is another charge in the amount of {$1400.00} # XXXX for total charges of {$1900.00}. I have made several efforts to appeal Citibanks denial of my claim. 

I, XXXX XXXX, canceled an online course on XX/XX/2021 by telephone and on the merchants website. The merchant is claiming that I did not cancel my purchase. It must be pointed out and understood that the Merchant is being dishonest because proof of cancellation is in the possession of the Merchant. The Merchant unethically and intentionally makes it virtually impossible for the customer to prove cancelation. The Merchant is almost impossible to get a hold of and written messages go through their website so I can not have a copy of an email showing cancelation. I called the Merchant by phone to cancel. The record of that call is in the possession of the Merchant, not me. All electronic communications went through the Merchants website so I do not have a copy of an email to present. The Merchant has that. 

It is absolutely untrue that I never did contact the merchant to cancel my order. The Merchant was contacted and the order was canceled on XX/XX/2021. This was done by phone and other communications were online. 

The Merchant should not profit from their false statement. The order was canceled on XX/XX/2021 and I never logged in or used the service. 

This was an online class that was canceled. There is no product or service that was unjustly received or used. In any event, I was ill with XXXX XXXX  and could not have used the service. The merchant has lost nothing. I have lost {$1900.00}. I am the only one facing a loss here. 


Thank you, XXXX XXXX Acct 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 2017-12-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
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:
Consumer Financial Protection Bureau, I received two letters from XXXX XXXX XXXX, one in XXXX and one in XXXX XXXX, showing a lesser balance than what appears on my Transunion, XXXX, and XXXX credit reports. I wrote a letter with copies of the XXXX XXXX letters from XXXX and XXXX XXXX, and mailed it to all four companies on XXXX XXXX, XXXX, informing all four companies of the incorrect reporting. I received a letter back from all four companies : Transunion, XXXX and XXXX and XXXX XXXX XXXX in XXXX XXXX that the amount was correct and would not be changed on my credit report. 
Thank you. 
Concerned Customer

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 2021-08-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$2500.00} Status Account charged off. {$2900.00} written off. 
XXXX XXXX XXXX Potentially negative ount info Account name XXXX XXXX XXXX Account number XXXX Account type Unsecured Responsibility Joint with XXXX XXXX Date opened XX/XX/XXXX Status Account charged off. {$1.00}, XXXX written off. {$1.00}, XXXX past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$1900.00} Balance updated XX/XX/XXXX Recent payment {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, TX XXXX Resident type Single family XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, TX XXXX Resident type Single family XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type Apartment complex XXXX XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX Resident type Single family XXXX XXXX XXXX XXXX, TX XXXX Resident type Multifamily XXXX XXXX XXXX XXXXXXXX XXXX  XXXX, TX XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type Apartment complex Account name XXXX XXXX XXXXXXXX Account number XXXX Account type Auto Loan Responsibility Individual Date opened XX/XX/XXXX Status Open. 
Status updated XXXX XXXX Balance {$4200.00} Balance updated XX/XX/XXXX Recent payment $ 400 Monthly payment {$380.00} XXXX  XXXX Account number XXXX Account type Credit card Responsibility Individual Date opened XX/XX/XXXX Status Paid in settlement. {$390.00} written off. 
Status updated XX/XX/XXXX Balance {$0.00} Balance updated XX/XX/XXXX Recent payment $ 0 Monthly payment {$0.00}. 









ALL FCRA VIOLATIONS SEE HANDBOOKS : 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