BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-02-27
Company: Cash Express, LLC
State: TN
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
My husband and I had a payday check loan with XXXX XXXX in XXXX. I went to pay Monday like I do every month and there was a sign on the door. Said to go to Cash Express, so I went there. I tried to pay my XXXX fee like I have every month and was told I had to have the full XXXX. I told them XXXX XXXX never made me do that and they said the girl was fired for just taking the fee at XXXX XXXX I called that girl and she wasn't fired. They sold my accounts to Cash Express and she didn't even know they was selling the company. The owner of XXXX XXXX  always took just my XXXX and renewed the loan. I don't have XXXX for mine and XXXX for my husband 's account. I signed contract with XXXX XXXX not Cash Express. I'm not paying this loan anymore. My daughter looked up laws and said TN does not allow renewals or rollover loans and that I shouldn't be responsible for the debt since it's always been renewed and I never took in XXXX I just took XXXX in once a month.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-01
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: Information belongs to someone else

Complaint:
This complaint will be my follow-up to ensure to remove these fraudulent items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX Balance : {$0.00} Please remove any noteworthy items that are erroneous

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 2018-04-20
Company: APEX Asset Management, LLC
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have sent Apex Asset Management two requests regarding debt that they are saying I owe to them in the amount of {$140.00}. I've asked for evidence, bearing my signatures showing that I owe Apex Asset Management this debt. I have no binding contractual obligation to pay Apex Asset Management any debt at all. I am trying to get this cleared up and OFF my credit report before filing a small claims court action against them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-26
Company: EQUIFAX, INC.
State: FL
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I XXXX XXXX was entered into consumer transaction with XXXX on XX/XX/2016. A consumer credit transaction in which a finance charge was involved. 15 usc 1605 defines a finance charge as the sum of all charges in a consumer credit transaction. The finance charge does not include cash, but XXXX took cash. The finance charge is suppose to include insurance, but XXXX made me purchase insurance separately. I XXXX XXXX was also a victim of identity theft because I entered into a consumer transaction with XXXX XXXX on XX/XX/2016. A consumer credit transaction in which I was tricked into thinking that I got a loan when in reality I only came for the credit, the promissory note was for them because XXXX XXXX got the loan 15 usc 1431. XXXX XXXX used my information to obtain an extension of credit, 1581a ( 3 ) defines Identity Theft as fraud committed using identifying information of another person. my information was used by capital one illegally to obtain my approval status for an extension of credit. can you guys please stop violating my rights as a Consumer? I have kids that have I have to take care of. it is hard to maintain a normal lifestyle because I can barely work because I have to spend countless hours studying the laws of the FCRA so I can finally get this issue resolved. I sat here for hours personally typing this letter myself with blood, sweat and tears because many nights I cried myself to sleep over these issues. I am begging you to please help me. do the right thing, I am a single father trying to survive during these covid times.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
There was a police report submitted to Bank of America. A supplement was submitted too to Bank of America. Bank of America did not address the issue on fraud that which XXXX XXXX was a victim as indicated on the police report. Bank of America is not addressing the issue. 
Payment was made thru a XXXX XXXX Bank account given by this company call " ALSO XXXX XXXX '' and was reversed three weeks later. 
Bank of America is still sending monthly statement with extra charges on interest adding on. XXXX XXXX XXXX do not owe Bank of America any monies. XXXX XXXX CREDIT CARD ACCOUNT WITH BANK OF AMERICA WAS CLOSED MANY MONTHS AGO!!!!!!! 
Bank of America should reverse back the debit on XXXX XXXX credit card account back to XXXX XXXX Bank account wherein the payment was reversed. 
This had been an ongoing dispute XXXX XXXX have been complaining on this fraud with Bank of America. 
Bank of America had been asked to remove charges on XXXX XXXX billing and it seems it was not done and Bank of America refused to acknowledge her complaint. 
All sorts of complaint had been filed with Federal Trade Commission, CFPB, California Depart of Justice, Federal Bureau of Investigation. 
Again, XXXX XXXX XXXX do not owe Bank of America any monies. 
The gifts cards were all consumed by the thieves per XXXX 's security department. 
Bank of America should have discontinue the billing process that this isa fraud case in dispute and in the process of investigation. 
XXXX XXXX XXXX do not owe Bank of America any monies.

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 2022-03-01
Company: Mercedes Benz Financial Services
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
I moved from XXXX  to XXXX  in XXXX, 2021. In XXXX, I requested by email that Mercedes benz financial services ( MBFS ) provide proper documents for my car registration in XXXX. In XXXX, I provided all the information required by MBFS. Since then, MBFS didn't provide the documents for car registration. On XXXX XXXX, 2021, I paid off the loan and requested the title be returned to me. For months till today, MBFS still hasn't been able to tell me whether they lost the title or whether they will pursue for a duplicate title. Everytime I spoke with a different CSR. I could n't drive my car as it still hasn't registered in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-08
Company: Experian Information Solutions Inc.
State: TN
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 sent numerous documents to XXXX, Experian, and XXXX and have not received a response. It has been past 30 days!!! When I call to check on each respected document with each bureau I am given the " run-around ''. I am being told that they have not received the documents and that I should just mail them again. I have since mailed these documents a grand total of 3 times, I am still given the same response, I have verified the address of each bureau and confirmed it with management. I have wasted numerous dollars and demand a grand total sum of {$1000.00} per each transaction and I demand that ALL items listed on each letter be DELETED from my reports.

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 2021-05-02
Company: Chime Financial Inc
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
On XX/XX/2021 at or around XXXX XXXX XXXX, I attempted to make a purchase in the amount of {$170.00} using my debit card. The charge was declined. I had more than ten XXXX XXXX XXXX times that amount in the account prior to making the purchase attempt. The bank XXXX XXXX XXXX aka Chime ] is never available via phone to speak to a live representative. Instead only chat is available. I raised my question to the virtual chat session and the person on the other end simply closed the chat session without explanation or solution. This is not the first time this has happened ; a near identical situation occurred about XXXX weeks ago. I gave up after numerous attempts at reaching someone. Furthermore, this incident occurring today, XX/XX/2021 is extremely troubling as I am currently in a XXXX XXXX, now, without access to my assets and no explanation whatsoever. Again, I do not have access to any other funds and the XXXX XXXX in this country is rather hostile, unaccommodating, and an outright obstacle.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-24
Company: Experian Information Solutions Inc.
State: UT
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 sent several disputes to each on of the credit bureaus : XXXX, Experian & XXXX  and they have yet to respond to me or provide results. I do understand there is a pandemic going on, but they are still required to provide results under the law. They are reporting errors on my credit file and they need to respond to disputes. I have sent another round of disputes to them in hopes to get in touch and receive any kind of correspondence. I will await your response.

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 2018-04-20
Company: Windy City Capital Management, LLC
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
XXXX Credit Card sold tobWindy City Capital Management, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, Il XXXX. I received letter ant owed. I called and set payments thru pay bills from my checking acct. Paid a small amt as on all my medical/credit card bills. Windy city sold acct to XXXX XXXX XXXX who left threatening harrasing msg on my phone. I called them. They offered high settlements. We then agreed on XXXX a mth but wanted me to give them my credit card or bank #. Told XXXX and XXXX XXXX I would not. They would not give me their address/info. Gave a XXXXXXXX XXXX XXXX,, XXXX, IL XXXX. I told them I don't mail money to questionable comp who didn't send me validation notice, what I owe and info abt their company. Said I would see them in court. XXXX XXXX angry. Called XXXX with Windy City Capital Mgmt asked why I was being harassed after making a payment. She became very rude. Asked why she sent my acct to scam comp making threatening calls. She hung up.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-18
Company: ProCollect, Inc.
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I've tried calling the company to let them know they have the wrong phone number, I can't ever get through to speak with anyone.

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 2019-02-27
Company: Conn's, 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:
CONNS REPORTED NEG MARKS AND LATE PAYMENT ON MY ACCOUNT FOR THE MONTHS OF XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. I MADED MY FINAL PAYMENT IN XX/XX/2018 AND CONNS REPORTED THAT I WAS MAKING PAYING ALL THE WAY THROUGH XX/XX/2018 AND I HAVE NOT MADE ANY PAYMENT SINCE XX/XX/2018. I HAVE CALLED THEM AND REQUEST PAYMENT HISTROY AND THEY STILL HAVE NOT SENT IT TO ME. MY PAYMENT WAS XXXX MTHLY AND THEY ARE SHOWING OPEN BALANCE OF {$92.00} BUT REPORTING $ XXXX ON MY CREDIT REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-25
Company: EQUIFAX, INC.
State: TN
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:
On XX/XX/2021 I submitted a dispute to the 3 credit bureaus. They have yet to respond to my complaint. I need in written if they were able to verify the accurate of the accounts in my dispute. I need to know the following informations.

How did you verify these inaccurate accounts?

Did you talk to the court and if you did who did you talk with at the court?

Were you required to pay a fee to obtain the bankruptcy papers? 

Can you provide me with the contact number and name of the person you talked to?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-27
Company: ALLY FINANCIAL INC.
State: CA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Ally bank advertised a Payback time promotion. The promotion stated -open an account by XX/XX/XXXX, fund it by XX/XX/XXXX, leave the money in that account until XX/XX/XXXX and receive a 1 % bonus up to {$1000.00} on XX/XX/XXXX. I followed all the steps and time frames- received an email stating that I was enrolled in the promotion. I just noticed that I did not receive a 1 % bonus into my account when I checked on XX/XX/XXXX. I called and spoke to a CSR and she told me that a " personal trust '' vesting is not allowed. No where in the paperwork or in the fine print did it ever state this. The complaint was escalated to a supervisor, XXXX, who told me she would escalate to upper management and some one get back to me. I told her I would file a complaint with the CFPB if this oversight has not been fixed. As of today, my account has not been credited with the 1 % promotion.

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 2023-06-21
Company: EQUIFAX, INC.
State: MI
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 am writing to delete the following information in my file. The items I need deleted are listed in the report. 

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-02
Company: Experian Information Solutions 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:
The issue is that all three credit agencies are not including my entire lines of credit when calculating my 'credit usage '. All three of them keep looking outside at the creditors who are reporting to them rather than looking at their own miscalculations. I have called and emailed them all but they seem incapable of correcting this error in THEIR OWN records. 

I have spent hours on the phone with them but their agents are not capable of correcting this problem. It is negatively affecting my credit score.

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 2022-07-05
Company: EQUIFAX, INC.
State: TX
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 acXXXX XXXX XXXX XXXX XXXX Account # 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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-16
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 XXXX XXXX XXXX XXXX

Account # 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

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 2019-02-27
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I accessed my Equifax Credit Report and see that the information regarding my credit worthiness is wrong. On my Equifax Credit Report it does not show my current personal information and does not show the current credit card accounts that I have showing my excellent credit score of XXXX like it shows on XXXX  and XXXX XXXX. I feel this discrepency is affecting my ability to get better offers for credit cards or loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-24
Company: EQUIFAX, INC.
State: UT
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 sent several disputes to each on of the credit bureaus : XXXX, XXXX  & Equifax and they have yet to respond to me or provide results. I do understand there is a pandemic going on, but they are still required to provide results under the law. They are reporting errors on my credit file and they need to respond to disputes. I have sent another round of disputes to them in hopes to get in touch and receive any kind of correspondence. I will await your response.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
I called Trans Union Credit Bureau because I had problem with their dispute online site. They told me they had corrected the area several weeks ago. 
I tried again today and it was n't fixed. I could not use the online site. I called customer relations. They transferred me to specialied consumer service offline. They transferred me to online customer service. 
They gave me an error code # XXXX and transferred me back to the offline customer service to do identity verification and merge my accounts because O was told I had multiple accounts. 
I asked how could I have multiples they could not answer that. 
They suggest I dispute live on the telephone and I got disconnected or maybe the rep. hungup the telephone I do n't know.

I have duplicate accounts reporting information that 's not correct. 
I have accounts 7 years old that they wo n't remove, saying they are n't negative. I said the law say have removed. 
The issues is with XXXX and XXXX Credit Bureaus. All three reporting account information of same account in multiples. They are reporting incorrect balances. Reporting over the time for reporting.

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 2020-05-27
Company: EQUIFAX, INC.
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:
Hi, I do not recall these inquiries and request removal or supply supporting document as required by Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681b In general. 

I have reached out to all of the companies within this list via certified mail and received no response : XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX Please provide any application supporting this inquires.

Company response to consumer: Closed with explanation