BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-09
Company: Finmax Smart Capital LLC
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
My ex mother in law received a message by phone on XX/XX/2022 then soon after a phone call they told her everything about my debt and that they were trying to get should of me after my ex mothers in law called me I called them and asked why they were giving my personal information to people including my debt amounts its XXXX something she said they are trying to collect so I told them I had to make a few phone calls and see what I can do to try to pay so again the next day my ex father in law receives a call XX/XX/2022 and they told him everything too so idk if that is permitted or not

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

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 2021-05-04
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:
I'M IN THE PROCESS OF BUYING A NEW HOME AND MY LOAN OFFICER BROUGHT TO MY ATTENTION A COLLECTION ACCOUNT THAT WAS OPENED WITH XXXX. 
I'VE NEVER HAD AN ACCOUNT WITH THEM BEFORE SO I KNOW IT'S IDENTITY THEFT.

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 2018-02-19
Company: CL Holdings LLC
State: NH
Product: Debt collection
Sub-product: Auto debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I keep getting a call from XXXX XXXX. Today at XXXX XXXX  was the latest. They are spoofing the caller ID to reflect that they are a Cell caller from MA. The number is XXXX. I feel this is a deceptive practice and they should be fined for using this tactic. When they started to go into their Collector speech, I hung up. They want to verify information that I do not want to give them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-23
Company: FIRST HAWAIIAN, INC.
State: HI
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
I wire transferred {$9700.00} in us funds to XXXX XXXX. Through my regular bank. funds were promised on XX/XX/2019 it is now XX/XX/2019 and my bank can not tell me where the funds are and the receiver has not seen the funds in their account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-28
Company: Exeter Finance Corp.
State: PA
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:
This loan originated on XXXX with Exeter Finance Corp . I called numerous times over the course of the loan, checking what the payoff to see that monies were being applied to principal. It seemed no matter how much I paid the principal didn't go down. I did fall behind and have to put a few payments at the end of my loan. I also double paid some months. I requested copies of their records indicating how my payemnts were being applied and never got them. There is no local branch and their business is in Texas, while I am on the east coast. Really nothing I could do. XXXX XXXX  I still owed money on the vehicle which I didn't feel I owed and records were never sent to me. I reached a settlement and paid that now company is telling me some outside agency has my title and they have no way of getting ahold of them. Every person I talk to gives me a different expectation. I know this loan was predatory to begin with and when I was trying to settle it and just getting it over and done with, I was told by the person who took my payment that they in reality could up the charge to what market value was on my vehicle since it has less than 100k miles before releasing the title. There has to be some way to stop their bad practice. This loan has been paid off and is well over 2 years past the maturity date and still I have no title to this vehicle. Had I not moved out of state and required the title I never would have known. This prompted me to check my credit report and they apparently charged it off as bad debt. Absolutely criminal in my eyes. I know they are not allowed to loan money in a few state due to their bad practices. It seems they know people will pay to try to salvage their credit and reclaim their legal documents for the property they own.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-04
Company: PNC Bank N.A.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
You guys sent me a letter saying I owe pnc XXXX from XX/XX/21 and I have never had nor signed up for a pnc account so this is a false claim that needs to be taken off of my name immediately please and thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-08
Company: EQUIFAX, INC.
State: GA
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:
I asked the credit bureaus to a verification of some of the accounts listed on my report. They did and stated everything was verified. I did research after them and still found improper inaccuracies even after they did research. 

XXXX XXXXXXXX bankruptcy and XXXX  XXXX bankruptcy was verified to my account without being verified Account names XXXX. XXXX XXXX Account number : XXXX XXXX. XXXX Account number : XXXX XXXX. XXXX XXXX XXXX  Account number : XXXX XXXX. XXXX XXXX Account number : XXXX XXXX XXXX XXXX  Account number : XXXX XXXX XXXX XXXX  Account number XXXX XXXX. XXXX XXXX Account number : XXXX XXXX. XXXX XXXX Account number : XXXX XXXX. XXXX XXXX XXXX  Account number : XXXX XXXX. XXXX XXXX Account number : XXXX XXXX. XXXX Account number : XXXX XXXX Account number : XXXX In accordance with the fair credit reporting act XXXX Accounts : 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 a right to privacy.

15 U.S.C 1681 Section 604 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 2019-10-23
Company: AMERICAN EXPRESS COMPANY
State: CT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
In XX/XX/2019 i signed up for a American express XXXX card where the promotion was within 3month if you spend XXXX you will get XXXX bonus hilton point. After 3 month when i ask them where is my bonus they say you are not eligible, which they never communicate at time of application or by mail, and i have a good score, no default in history, they are not even giving a reason why i am not eligible for bonus. 
I want two answer. 
1-> If a customer not eligible for some bonus why dont they communicate.

2->What basis they made that i am not eligible for offer.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-23
Company: I.C. System, Inc.
State: NV
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
This collection company I C System, located at XXXX XXXX XXXX in XXXX XXXX, MN XXXX, was sent two debt validation letters on XX/XX/2019. One of the letters was priority and needed a signature. The other letter was certified with tracking. The reason why I sent a debt validation letter is because this collection company continued to report information on my credit report and I never received a letter from the company. I'm not sure where the debt originated from, but to continuously report a debt owed without proof that I am the person who isresponsible is against the law. I'm not sure who this debt was intended for, but I am not the correct person. I sent the letter as a way to get the background information for this debt and to let the company know that until they provide me with the details of this debt showing I am responsible, they need to stop reporting this false inaccurte information. On XX/XX/2019 I C system, received both letters. The letter that required a signature was received by someone named, XXXX XXXX. I also show the certified letter was delivered on XX/XX/2019 at XXXX. On XX/XX/2019 I viewed my credit report and noticed that IC systems continued to report the debt to the credit bureaus, without providing me with the proper documentation. The demand letter also advised IC systems, that they had 30 days from the date on he letter, however i allowed 30 days from the date received for their response, along with all the requested information. The letter also advised that during this period all collection activity was to cease and desist and the company ignored this right. Under the Fair Debt Collection Practices Act, I have a right to request for valdiation of a debt, that is stated I owe. This is pursuant to 15 USC 1692g Sec 809 ( b ) by the FDCPA. The letter sent also stated that if IC systems continued to report the fraudulent information and invalidated information I would pursue legal action, which I am prepared to do as IC Systems is in violation of the FDCPA.

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 2023-04-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
have contacted Transunion several times, via phone and mailed my ftc report that they have requested, several times and now a month later, I am nowhere. They are violating my rights as a 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 non-monetary relief
Consumer complaint received 2023-07-12
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I submitted a dispute for collection agencies that were on my credit reports stating that I did not have a contract with these companies. I do not know what they are collecting a debt, for. I have no knowledge of these companies. I also submitted a dispute in reference to credit cards that were listed as fraud from the credit company that the credit bureaus would not remove as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-20
Company: First Federal Credit Control, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
I have sent a Debt Validation letter to First Federal Credit Control, located on XXXX XXXX XXXX XXXX XXXX, XXXX OH, XXXX. After receiving the response my XXXX rights were violated because it showed some medical procedures I have received while I was hospitalized.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-21
Company: TOYOTA MOTOR CREDIT CORPORATION
State: MN
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Getting a loan or lease
Sub-issue: Confusing or misleading advertising

Complaint:
I was told by 2 separate sales people I could get {$1700.00} Cash Bonus on a new leased vehicle that could be used to take care of any negative equity. That was the only reason I went in. Because I knew I was upside down. I like the vehicle, but the salesman said if I wanted to save even more money I should look at the Hybrid Model. I was all for saving money. But he never told me that vehicle didn't qualify for the Cash Bonus, or that XXXX XXXX rolled in {$2100.00} of negative equity. I never would of bought the vehicle. 

Federal Law https : //www.consumer.ftc.govXXXX Requires that before you sign to finance the purchase of a car, the dealer must give you certain disclosures about the cost of the credit. That was never done. I feel they did the bate and switch. I have been working with the Attorney Generals Office, and they suggested I also file a complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-12
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 did not authorize the following inquiries : XXXX XXXX XXXXXXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2018-03-03
Company: CITIBANK, N.A.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
I am an authorized user on a XXXX XXXX XXXX XXXX XXXX, the account information only shows on my XXXX credit profile. The Primary account holder, did contact XXXX 's regarding the issue and XXXX XXXX claimed it was reported every month to all 3 credit reporting agencies, we spent hours with XXXX XXXX and XXXX   on the phone trying to solve the problem, nothing has been done.

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 2019-10-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX  breach as well.

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 2023-02-01
Company: BELMONT FINANCE LLC
State: NC
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:
Belmont Finance XXXX XXXX XXXX XXXX both did a HARD inquiry on my credit which I did NOT approve. Both of these inquiries were done on XX/XX/2023.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-23
Company: Freedom Mortgage Company
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
To whom it may concern : I am writing this goodwill letter to see if we can get a 30 day late payment removed from the credit bureau. We are in the process of refinancing our home and we cant have any late payments. We had made the payment with a check and the funds hit a hour late. Freedom mortgage rep said that it wouldnt clear that early but it did. Me and my husband work for the federal government and we cant be late on our mortgage, we fell a little behind due to the government shutdown but is slowly getting back on track. This was our first time being late!! Can you please remove XX/XX/2019 day late  payment. Thank you so much for your time!!

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 2019-10-23
Company: Navient Solutions, LLC.
State: KS
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
As a XXXX, I should qualify forXXXX Loan forgiveness My coworkers got the loans reduction, but I have been denied 3 times. My district administrator signs the paperwork and verifies my employment. I began XXXX in 2005 and have worked for the same district to date. 
One rep told me I could get it because I had a XXXX  XXXX- no where in their correspond does additional degeees deny the request. 
One rep stated if I entered dashes instead of hyphens it gets tossed out. 
One stated I have s consolidation and that denies my ability for loan forgiveness- yet there reps recommended consolidation to me when I was struggling to pay my bills Ive been trying to secure financing elsewhere and have struggled getting the necessary data to my new loan servicing agency. 
I am tried and frustrated of being lied to, misdirected and denied to conditions offered at the time of requesting the loan funds. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KS. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-01
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
AFTER REVIEWING MY CREDIT REPORT, I HAVE DISCOVERED INACCURATE ITEMS ON MY CREDIT FILE THAT DOES NOT BELONG TO ME AND THEY HAVE CAUSED SERIOUS DAMAGE TO MY CREDIT. I HAVE MANY BUSINESS OPPORTUNITIES AND I WONT BE ABLE TO GET ANYTHING DONE WITH FRADULENT ACTIVITY ON MY FILE. I HAVE ATTACHED A CREDIT REPORT HIGHLIGHTING EACH ACCOUNTS WITH INACCURATE TRANSACTIONS. PLEASE HAVE THOSE ACCOUNTS REMOVE AND PERMANENTLY DELETED OFF MY CREDIT REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-23
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
I had fraudulent activity happen. Called XXXX and XXXX, no problem everything done over the phone and very well professionally done. Try to call experian.. I have tried every phone number that exists and not one has a person to speak to. They give you all kinds of computer info which I don ; t know how to do. I have personal stuff that is incorrect, make sure XXXX is on and remove XXXX from XXXX account that I am not responsible for. They run your life, ruin your life when they feel your credit score should drop 47 points ect. and then no one to talk to esp the data breach they had you would think they would be very receptive to your needs. They need to have phones that you can talk to people and be able to fix things right away like the other two companies. This really needs to be addressed. I have to mail them the info I guess, but don't know what papers to send. Something critical like this is not a mail item.

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 2019-09-17
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Overcharged for a purchase or transfer you did make with the card

Complaint:
On XX/XX/2019, I withdrew/transferred {$75.00} to my bank account. I had an overdraft fee from a courtesy pay that I was covering because I knew I had another withdrawal that needed to come out on XX/XX/XXXX and I needed it to be covered by my courtesy pay. The withdrawal never happened, it didnt even show on my account transactions, so I called Amex Serve Card on XX/XX/XXXX because the transfer never took place and my courtesy pay could not pay my transaction, so I ended up with another bounced check fee and the bill that courtesy pay would have covered didnt get paid. When I called Amex they told me it could take up to 5 business days for a transfer to take place. I told them I have done this many times and it never takes more than 2 days for the transfer to take place. Then when I checked my transactions this morning XX/XX/XXXX it is on my transactions for XX/XX/XXXX, even though they deducted the money from my account on XX/XX/XXXX. Now I cant even dispute the transaction with the bank based company n the  transaction date, which was before the auto pay date. So I have charges from the bank, my car payment company and my car payment didnt get paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-02
Company: CAVALRY INVESTMENTS, LLC
State: MD
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint:
XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, Maryland XXXX Cavalry Portfolio Services Acct : XXXX Original Acct : XXXX I told you to stop contacting me and you continue to contact me which is a violation. I asked you to validated the debt 60 days ago and tou never did. You need to deleted this account.

Company response to consumer: Closed with explanation