BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-14
Company: CarMax, Inc.
State: AL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
From XX/XX/2023 to XX/XX/2023, the company ran my credit report 4 times and the original terms were changed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-02
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
I opened a checking account with Wells Fargo on XX/XX/XXXX. A transfer of {$25.00} for the opening deposit was initiated from my XXXX XXXX account. I closed the Wells Fargo account the same day. The {$25.00} were debited from my XXXX XXXX account, but according to Wells Fargo the funds were never deposited to my account there. Both banks refuse to help. I want my funds returned to me.

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 2020-07-23
Company: CITIBANK, N.A.
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Overcharged for something you did purchase with the card

Complaint:
After purchasing and cancelling/returning appliances between the dates of XX/XX/2020 to XX/XX/2020. Citi Bank has overcharged me by {$550.00} I should be charged {$6100.00}, instead they have charged me a total of {$6600.00} for purchases they will be unable to substantiate. In a nutshell, Citi Banks system was unable to keep up with the charges/returns vs. the actual purchased products. They are not willing to go through each individual transaction and match them to products received by Best Buy. 

I have attempted to resolve the issue numerous times ( likely 20 separate occasions ). I have called many times as well. Even though many of Citibank 's representatives can see that I have been overcharged, no one will adjust my balance. It always ultimately results in the charges being accurate when they are not. Despite my many attempts to help the bank sort through transactions they should easily be able to tell navigate through themselves, the inaccurate charges remain. This issue started in XXXX ; now seven months laterI am beyond frustrated and ready to move on with a lawsuit, if I am unable to make headway here. 

Note : some of the excuses I have been getting from Citibanks representatives about the issues not be properly investigated is that they have a lot going with their Covid disputes. That many people have concert tickets that need to be refunded and what not. 
Additionally, I have provided the company with a receipt showing what I should be charged. I have also begged them to just reach out to Best Buy as when I speak with the reps at Best Buy, they are able to tell me exactly what I should be charged. I have also escalated my dispute to the Executive Department at Citibank. That dispute resulted in the same outcome as before. No one wants to properly investigation. 

Please help. 
Sincerely, A desperate consumer.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-09
Company: Upstart Holdings, Inc.
State: NY
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
On XXXX XXXX, 2023 I called Upstart to payoff my personal loan. Their representative was unable to take my payment over the phone so I told them I would send them a check that would be received on XX/XX/XXXX. I asked what amount It should be made out for to pay off my loan in full, which they provided to me. They told me it was good for 10 days. I sent the check and followed up with another call on the XXXX. I was then told it can take up to 2 weeks for the check to be processed and posted to the account. Several days later the payment posted to the account but I was shocked to see they were still charging me interest resulting in additional balance remaining. To my knowledge the purpose of requesting a payoff amount is to insure the payment you make will cover any additional costs associated with the closing of the loan. I was clear with my request and intentions on the phone about wanting to pay the loan in full including the method to do so and the dates involved.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-10
Company: Exeter Finance Corp.
State: OH
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 got these accounts that are not mine and i want it to be removed ASAP. See the list here : 1. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

2. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

3. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

4. Identity Theft XXXX XXXX  Date of inquiry : XX/XX/XXXX This is not mine.

5. Identity Theft XXXXXXXX Date of inquiry : XX/XX/XXXX This is not mine. 

6. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

7. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

8. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

9. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

10. Identity Theft XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

11. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

12. Identity Theft XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

13. Identity Theft XXXX XXXX of inquiry : XX/XX/XXXX This is not mine. 

14. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

15. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

16. Identity Theft EXETER FIN Date of inquiry : XX/XX/XXXX This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-23
Company: Professional Finance Company, Inc.
State: CO
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I had to have XXXX  XXXX in XXXX of 2019. It was something completely unexpected and unplanned for. Afterward I had a mountain of bills from the hospital, all the separate doctors and the one in question is from the XXXX  I was regulary paying what I could afford each month to everyone who sent me a bill, up until XXXX when I lost my job due to COVID-19. I stopped receiving bills from the XXXX for some reason and therefore lost track of who I was supposed to pay and when. I had too many bills to keep track of and too much going on with COVID-19 and trying to find a new job that if someone didn't send me a bill, I didn't know I was supposed to be paying. I did not receive any notice prior to finding out by seeing it on my credit report that I had been turned over to collections. No one tried to call me as far as I know because I had to have the service shut off on my phone because I couldn't afford it. But I received no emails or notices in the mail regarding this collection or anything stating that I had the right to dispute or negotiate this debt. If I had, I would have been more than willing to work out a payment plan with this company. I have reached out the company several times to try to reconcile this debt but they have not responded to me at all. This collection has ruined my credit rating. My FICO score when from over XXXX down to XXXX. This seems very harsh and unfair in light of the fact that I have not had anything negative on my credit report prior to this, I have never made a payment late in my entire life and I worked very hard to maintain an excellent credit score. It also seems very unfair that this was turned over to collections in the middle of a pandemic when so many people were out of work and struggling to make ends meet. Most companies had payment extensions in place and were forgiving about late payments. I need to negotiate this debt because it is more than I can afford given my current financial situation and I need this collection removed from my credit report because it is completely unfair and not a true reflection of my credit worthiness. I have been more than willing to work something out this whole time, it is through no fault of my own that this company has been so unwilling to communicate and work with me on this.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-26
Company: The Bureaus, Inc.
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XX/XX/2020 I made a complaint XXXX-XXXX  to verify that the report of {$490.00} is valid and owed to Bureaus. The company responded by sending statements to prove validity. I request that the company review the attached letter and state their validity to collect this debt using the federal regulated laws to prove ownership.The Bureaus can not prove ownership of an account by submitting itemized bills. I must have written verification of whom verified the account and a contract bearing my signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-05
Company: Global Lending Services LLC
State: IL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
In XXXX of XXXX  I signed a contract that should be null and void as the dealership and the lending committed fraud on both federal and state levels in regards to the XXXX XXXX XXXX. I'm an XXXX XXXXesident and my drivers license states this as well and I informed the dealership of this information once I realized this as they put a Missouri address on the loan and I've never been able to register this vehicle. I was told they couldn't add that to the loan which isn't true as an XXXX resident that is included in all vehicle sales and I stated this the numerous times I called trying to get this vehicle registered. They are cheating Illinois out of taxpayer dollars and by using a Missouri address they were avoiding the usury law as well as the cap on loans that Illinois has in place to protect their residents. XXXX XXXX sold me a car that had a value of $ XXXX {$10000.00} at the time of sale for {$20000.00}. XXXX XXXX and Global Lending issued me a loan for 72 months and I will end up paying 4 times what the car is worth and double the loan amount which isn't legal under state or federal law. I paid {$2500.00} as a down payment and instead of subtracting that amount from the cost of the vehicle it was taken off the full loan amount. I shouldn't have to pay the full amount as XXXX XXXX got paid the full amount of a vehicle which is committing fraud along with Global Lending. I was under the impression this vehicle had a XXXX mile warranty and wasn't made aware of this until I called to inquire about some issues with the vehicle. I wasn't fully aware of the fraud that had taken place and was unaware what I had signed as I thought the total of the loan was {$20000.00} as I was never made aware the vehicle had a 100 % markup as well as the loan. XXXX XXXX and Global Lending are aware that different states have different laws and that is why they refused to use my XXXX address but instead my girlfriend address. I was scammed and a vehicle that can't be registered is not a valid sale. Illinois has a Usury law and it has clearly been violated and this contract must be voided as they have cheated and scammed Illinois out of taxes and other fees associated with the sale of a vehicle. Both companies need to be investigated as other residents may have endured the same fate and didn't know they had remedies. I'm one resident but there may be other residents in other states who may not be getting the money they are rightfully owed. How many other residents may be owed money because they may have paid the loan off early and my be owed a refund on the gap, warranty or the down payment because the payoff amount was incorrect?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-06
Company: Experian Information Solutions Inc.
State: AL
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, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-14
Company: EQUIFAX, INC.
State: PA
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 received a copy of my credit report and found the following item ( s ) to be in error and I did not authorize these inquiries, delete and remove. 
1. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX, PA XXXX XXXX. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Delete from consumer report XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Pennsylvania XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX Mail Current Status - Preparing Letter ( XX/XX/XXXX XXXX AM ) Letter Mailed Date and Time - XX/XX/XXXX XXXX XXXX Pass through - Certified Recipient Address - XXXX XXXX XXXX XXXX, GA XXXX XXXX. Under 15 USC 1681 a ( 2 ( A ) ( ) late payments are transactions and transactions are excluded from a consumer report. 
XXXX Account XXXX : XXXX Update to paid as agreed 5. Under 15 U.S. XXXX XXXX - XXXX certain deceptive forms I am not participating in the collection of this alleged debt. Cease and desist asap Contacted Debt collector asked for proof of the alleged debt specifically the alleged original application XXXX CARD Account Number : XXXX Delete from consumer report 6. Under 15 U.S. Code 1692j - Furnishing certain deceptive forms I am not participating in the collection of this alleged debt. Cease and desist asap Contacted Debt collector asked for proof of the alleged debt specifically the alleged original application XXXX XXXX Account Number : XXXX Delete from consumer report 7. Under 15 U.S. Code 1692j - Furnishing certain deceptive forms I am not participating in the collection of this alleged debt. Cease and desist asap Contacted Debt collector asked for proof of the alleged debt specifically the alleged original application XXXX XXXX XXXX IN CO Account Number : XXXX Delete from consumer report 8. Under 15 U.S. Code 1692j - Furnishing certain deceptive forms I am not participating in the collection of this alleged debt. Cease and desist asap Contacted Debt collector asked for proof of the alleged debt specifically the alleged original application XXXX Account XXXX : XXXX Delete from consumer report 9. Under 15 U.S. Code 1692j - XXXX certain deceptive forms I am not participating in the collection of this alleged debt. Cease and desist asap Contacted Debt collector asked for proof of the alleged debt specifically the alleged original application XXXX XXXX XXXXXXXX Account Number : XXXX Delete from consumer report

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-01
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
Portfolio Recovery is reporting a collection account # XXXX in the amount of {$1300.00} due for XXXX XXXX that is no longer collectible because this account was marked as a chargeoff/write off. When I contacted XXXX XXXX in 2019, they advised me that this account is no longer due and have been written off. They had no information of this account being transferred to Portfolio Recovery. I was unaware I could dispute this account until late 2019, also I requested information from Portfolio Recovery showing the agreement between XXXX XXXX  transferring this account to their office and the collectible amount if owed. I have yet to receive this information as of today. I '' m requesting CFPB assistance to clear this inaccurate information from all three credit bureaus ( XXXX, XXXX, and XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-20
Company: Experian Information Solutions Inc.
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:
This is my numerous request to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The items I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-13
Company: Avant Holding Company, Inc.
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
This business intentionally makes it difficult to access your online account so you can not make additional loan payments on the loan shark loans that they make. Have tried logging in for 3 days and receive the following : Uh-oh! We're experiencing a problem. 

We are having an unplanned outage and our team is working on it. 

Fix the problem so I can access my account and make additional payments on my predatory loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-23
Company: Regional Management Corporation
State: SC
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:
Regional Management Corp sold my charged off account to a collection company called XXXX XXXX XXXX. I have settled this account with XXXX XXXX XXXX and they have since removed it off my credit report. 

Regional Management Corp is still reporting on my credit report AND is still showing a balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-08
Company: Experian Information Solutions Inc.
State: PA
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 tried reaching out to this Bureau several times about accounts that are reporting on my credit that DO NOT belong to me! This information is fraudulent and i want it investigated and removed from my credit report!

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 2021-02-18
Company: The Law Offices of Mitchell D. Bluhm & Associates
State: MD
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XX/XX/2021 I was notified of a collection account via a credit monitoring service. The collection is for a debt which does not belong to me and has been successfully disputed previously. However, the original creditor continues to hire different collection companies to erroneously collect this debt. Most recently the collection was attempted by XXXX XXXX XXXX. Please see Consumer Financial Protection Bureau file number XXXX. In the file, XXXX XXXX XXXX made false statements, and ultimately ceased collection efforts. 

Law Office MBA, of XXXX, TX is now attempting to collect this debt. Their client, XXXX Hospital, knows or should have know the debt is not mine. I am basing this on the repeated communications I have had with their collection companies and information I have provided. 

If CFPB is unable to resolve the matter I would appreciate information and resources on filing a lawsuit against the various parties involved. They have willfully disregarded prior communications and evidence provided to them that the debt is not mine. 

Attached are the original police report from the XXXX County Sheriff 's Office and letters noting the account has been returned to the original creditor. 

Thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-22
Company: Bread Financial Holdings, Inc.
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Comenity Bank calls me upwards of 12 calls a day. I have told them to stop contacting me multiple times about the debt that I am unable to pay for at this time. 

Comenity uses MULTIPLE spoofed numbers to harass me. They also use private ( unlisted ) numbers to harass me. 

Their numbers thus far are : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX

Company response to consumer: Closed with non-monetary relief