BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-07
Company: EQUIFAX, INC.
State: AZ
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:
This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely repaired : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-04
Company: Advance America, Cash Advance Centers, Inc.
State: MI
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount

Complaint:
I had a pay day loan due on Friday, XX/XX/XXXX 2019. I was unable to appear in store as I had to work late that evening but as soon as I was off work ; I paid my loan payment online with my debit card. I have a receipt showing my payment of {$560.00}. Per Advance America because the payment was paid " after business hours '' this morning ( the next business day ) my check was cashed ( XX/XX/XXXX19 ) resulting in my bank account being overdrawn. I have several scheduled payments that I will now not be able to make because of this issue. I have spoken with five different customer service representatives that have just passed on the issue. I will now have a reconnect fee for my cell phone being turned off due to Advance America 's negligence and inability to correct the issue promptly. I was told that this will take at least two to  three business days to resolve. If the money can be taken from my account in an instant ; I can't understand why it isn't put back.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-26
Company: AMERICAN EXPRESS COMPANY
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I had a American Express Card with a Credit limit of {$10000.00}. I had an excellent history with them, never missed a payment. Although I have not used their card not as much as I use my other card because of their high interest rate but it was helping me in a great deals to maintain my low ratio of my overall credit use. Instead of luring me use their card they have unfairly closed the account and this will tremendously effect credit use ratio. I this case I want Amex to reopen my account with same status before closing,

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-02
Company: General Financial, Inc.
State: MO
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I called the company on XX/XX/2018 to work out payment arrangements. After finding out the original creditor went out of business and merged with XXXX XXXX XXXX I call to work out a payment plan. After going through the verification process they told me my agent was a woman named XXXX. After speaking with XXXX I informed her that I could make a payment of {$50.00} and start to make monthly payments to satisfy the debt. She informed me that they could not make payment arrangements or partial payments and the debt needed to be satisfied in full or she would turn me over to her legal team and that it could have negative impact to my credit. She then stated that they would need to do an asset verification on me to see where they could transfer the debt to another one of my accounts that has nothing to do with this debt. At this time I got off the phone with the lady, due to the statements she was making.

Company response to consumer: Untimely response
Consumer complaint received 2018-05-02
Company: LCO Financial Services, LLC
State: NC
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Struggling to pay your loan

Complaint:
I got the loan with the intention to pay it off right away but my position in my job changed abruptly and my pay decreased leaving me in a financial bind. I originally borrowed XXXX and have been paying XXXX biweekly since XX/XX/XXXX with an initial payment of XXXX and can no longer afford it. I called them to ask for assistance or if the pymt could be lowered and they refused. To date I have paid a total of XXXX. I do not want this to negatively impact me anymore than it already has. I know that I borrowed the money with the intention to pay it off quickly but I just want to be able to move on because they have already received their money back and more than the amount I borrowed.

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 2018-05-02
Company: Navient Solutions, LLC.
State: WA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I was informed my student loans from XXXX would be transferred over to navient. All my information would be updated from XXXX to navient from what I was told. When I received a notice that my loan with navient was due I called and said this isn't right the due date, the auto deposit etc. They told me they tried reaching out to me which I never got anything and was told they would fix it. I called in XX/XX/XXXX to fix it and was told my due date would be XX/XX/XXXX that's the latest I can make a payment ( which I don't agree that XX/XX/XXXX the only date ). I got disconnected and called again. I was told by a supervisor my payments would be on XX/XX/XXXX instead. I checked my account end of XX/XX/XXXX and noticed they didnt update it. I called today XX/XX/XXXX and all the way to the supervisor said there was no record of anyone noting the change to XX/XX/XXXX not XX/XX/XXXX. I asked to pull the phone conversation and they said they can't. They have recorded lines and don't appreciate how they treat the borrowers. They need to stick to what they say if they tell an individual anything towards their account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-03
Company: EQUIFAX, INC.
State: PR
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:
This company called Equifax is linking the information of another person with mine and I have been calling for a long time, sending papers putting all the evidence in their hands and they do nothing, I can not make a loan I can not do anything

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-12
Company: Chime Financial Inc
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
On XX/XX/XXXX a merchant that I am unfamiliar with charged my card for {$1400.00}. This merchant was not authorized to charge this card, and I by attempted to use the merchant to do with this process, but all they use our chat bots who are completely useless under the banking laws. I am entitled to receive these funds back immediately as it was an auto authorize fraudulent charge. I should not have to wait six months for an investigation to get this money back as its been taken from a prepaid account which is tied to my checking account please in sure these funds are deposited back into my account in a timely manner. I do not know this merchant I did not authorize XXXX to charge my card.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-27
Company: Experian Information Solutions Inc.
State: HI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Experian has failed to comply with the law and supply informationn requested. They did not respond to my letters and continue tor eport inaccuarrate information. 

Initial Official Dispute Sent : XX/XX/2020 Follow Up Dispute Sent : XX/XX/2020 Method of Verification Request Sent : XX/XX/2020 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 2020-09-12
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report, to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items on my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or i will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
Hi, My name is XXXX XXXX XXXX. I sent a letter concerning erroneous and unknown things on my credit score record. To this present day, over 30 days later, I actually have no longer obtained a response yet. I sense like Im being taken advantaged of and being unnoticed. Section 611 ( a ), It states that failure to research these objects inside 30 days offers a purpose to straight away remove those items from my credit report. Its been over 30 days so they have to be deleted directly. I demand that those debts be deleted without delay or I will report for litigation due to the stress you have caused me. My records turned into also impacted by way of the XXXX data breach and might are becoming into the fingers of the wrong person.

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 2019-03-04
Company: BARCLAYS BANK DELAWARE
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I initiated a call to the bank on XX/XX/XXXX to complain about the excessive interest ( XXXX % ) that has been charged since inception. The bank called and left message for me on XX/XX/XXXX and XX/XX/XXXX. I called back on XX/XX/XXXX and spoke with a manager at bank and was told nothing could be done regarding the interest rate. The average rate currently charged by credit card companies is XXXX % ; Barclay 's rate is XXXX % or XXXX % points higher than average rate. Barclay 's lending is predatory - they have extremely high interest rates coupled with extremely high credit limits. Virtually all cards now offer rewards so the fact that this is a reward card does not justify such a high interest rate. My current balance is {$34000.00} and most recent monthly interest charge was {$720.00}. The credit limit is {$42000.00}. I have been a cardholder since XXXX. The bank made absolutely no effort to address my issue other than allow me to talk to a manager.  They did not want to know specifics about my issues other than to tell me that the Bank isn't currently lowering rates.

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 2017-09-18
Company: EQUIFAX, INC.
State: NJ
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:
Equifax fails shows a unpaid account on crdit file for XXXX $ there is NO NAME NO ACCOUNT NUMBER date from XXXX! and then re-issue don XXXX/XXXX/XXXX I have asked for an investigation proving it belongs to me with no success the Equifax site will NOT allow me to dispute, the sire creashes when entering the information, I have called the EQ help line and put on hold for 20 minutes and then disconnected after being switched 3 times! 

I want proof its mine or I will have to consider this fraud and stolen identity unless its removed from credit file!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-18
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 would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act.

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 2020-01-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
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 received notifications regarding my credit report regarding the below items which are not mine and are either a result of fraud or a mistake : With TransUnion there is an inquiry from XXXX XXXX on XX/XX/XXXX. This was not me. 

With XXXX there are inquiries from the following which were not me : XXXXXXXX   XX/XX/XXXX XXXX/XXXX XX/XX/XXXX XXXX/XXXX XX/XX/XXXX XXXX/XXXX XXXX   XX/XX/XXXX With XXXX the following inquiries XXXX/XXXX  XX/XX/XXXX XXXX/XXXX   XX/XX/XXXX XXXX/XXXX  XX/XX/XXXX XXXX/XXXX XXXX XX/XX/XXXX and XXXX  account and a medical bill.

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 2019-03-04
Company: ENCORE CAPITAL GROUP INC.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a few letters from Midland MCM stating that any debt older than two years will be removed, and I sent them letters requesting verification of these accounts because they were not familiar to me. I have an identity theft alert on all 3 credit bureaus. I need this company to verify my information in accordance to proper guidelines as I requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-17
Company: EQUIFAX, INC.
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: Information belongs to someone else

Complaint:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-20
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
I have received several inquiries from banks such as XXXX XXXX and Capital One that I have not made.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-02
Company: National Credit Systems,Inc.
State: KY
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
National Credit Systems has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-28
Company: HUNTINGTON NATIONAL BANK, THE
State: PA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/2020 I went to deposit a check into the ATM at XXXX, OHIO. 
I am from XXXX, pa but was on my way to a friend 's house to spend the night. 
The ATM said " this service is not available '' after I pressed " deposit ''. 
I was furious!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!! 
And then I called the horrid 800 number, and was on hold for 45minutes!!!!!!!!!!!!!!!!! 
That is totally unacceptable!!!!!!!!!!!!!!!! And it cost me XXXX XXXX a minute with my cell phone to boot!!!!!!!!!!!!!!!!!!!!!!!!!!!!! 
I had to drive all the way back to XXXX, PA, over 25miles one way to deposit in the ATM!!! 
That is the MOST HORRIBLE SERVICE I EVER EXPERIENCED IN AN ATM!!!!!!!!!! 
IF IT DOESNT WORK, SHUT IT DOWN, PUT A BLASTED SIGN ON IT!!!!!!!!!!!!!! 
THIS HAS HAPPENED AT THAT BRANCH MULTIPLE TIMES!!!!!! 
THOSE XXXX  THAT " WORK '' THERE SHOULD BE FIRED!!!!!!!!!!!!!!!!! 
HOW DARE THEY LET IT GO LIKE THAT AND NOT PUT UP A SIGN!!!!!!!!!!!!! 

FINE THEM AS MUCH AS POSSIBLE!!!!!!!!!!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-12
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: Their investigation did not fix an error on your report

Complaint:
Thank you for updating and correcting some of the information on my credit report. However, there are still some things that need to be fixed. The 3 credit reporting agencies are required to verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I hope these disputes are resolved as soon as possible. 
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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 2021-05-12
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:
I received an inquiry alert from Experian regarding and a fraudulent inquiry submitted on XX/XX/2021. I disputed the inquiry and advised that I did not request a application from XXXX. I contacted XXXX card services @ XXXX and they agreed to remove the inquiry and cancel the application. 

The inquiry has not been removed.

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 2020-07-27
Company: PNC Bank N.A.
State: DC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
I'm attempting to make a payment to a service provider, and PNC does not permit XXXX to link my account. I do not know how to pay the provider now, and may lose a vital service that will be essential for my family. Frankly, it is unfathomable that a banking institution as large as PNC does not participate with XXXX, or what I assume is it's sister company XXXX, as my internet browser linked to instructions on paying this provider through XXXX.

Company response to consumer: Closed with explanation