BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-09-16
Company: EQUIFAX, INC.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
IN XX/XX/XXXX EQUIFAX DATA BREACH CAUSED ME OVER {$26.00} XXXX IN DAMAGES AND HAD TO FILE CHAPTER XXXX BANKRUTCY AND WERE XXXX AND EQUIFAX WERE NAMED AS 3RD PARTY CLAIMS, BK NO.XXXX, TRUSTEE RELEASED CLAM ON XX/XX/XXXX TO COLLECT SAID DEBT TO CONSUMER.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-29
Company: World Omni Financial Corp.
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act Southeast Toyota Finance has violated my rights. 

15 USC 1681 section 602 states I have the right to privacy.

15 USC 1681 Section 604 Part 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-16
Company: LEXISNEXIS
State: MA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Lexis Nexis reported a debt /Default Judgement owed to a XXXX XXXX on my credit report to my bank, resulting in my being denied a loan. 

I filed a dispute with Lexis Nexis explaining that the debt was not mine. 
Consumer # XXXX Case # XXXX I explained that : 1 ) That I am a man the suit was against a " MS XXXX XXXX '' 2 ) My Name is " XXXX XXXX '' not " MS XXXX XXXX '' as was on the judgement 3 ) I did not do business with this company and the debt was not mine. 
4 ) This judgement appears to be a default ( no show ) judgement I asked that Lexis Nexis verify the Social Security Number and Date of Birth with XXXX XXXX to provide that its not mine. 

I also explained that XXXX XXXX had tried in past to collect a large {$30000.00} debt against me and eventually dropped the case when they realized that they had the wrong person They eventually realized that the social security number and/Or DOB did not match mine. 

I never heard back from Lexis Nexis on the disputed, so after waiting well over 30 days I reached out to them. They acknowledged that I did not receive a response within the required 30 days. Mentioned that it was an issue on their end. They only explained that they verified that a judgement/lein exists. They didn't verify that it matched my Legal name, soc sec # or DOB Link to court case : https : XXXX? XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-23
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: Information belongs to someone else

Complaint:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND INACCURATE ACCOUNTS THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS HAS COST A GREAT DEED OF HARDSHIP ON MY CREDIT. IT IS SO UNFAIR TO ME BECAUSE I FEEL LIKE I'M IN THIS SITUATION BECAUSE OF SOMEONE ELSE 'S SELFISH WAYS AND I HAVE NO OTHER CHOICE BUT TO SUFFER THE CONSEQUENCES. I HAVE ABSOLUTELY NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO MY CREDIT. IT IS NOW SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGE THE WAY IT IS. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND HAVE THEM REMOVE OFF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THE ACCOUNTS DOES NOT RELATE TO ANY TRANSACTIONS MADE BY 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 2022-04-29
Company: Experian Information Solutions 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: 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. 
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, PA XXXX 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 an 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 explanation
Consumer complaint received 2019-08-08
Company: Conn's, Inc.
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have an account with Conn 's Home appliances. I am exactly 7 days late on my payment due to my mother being XXXX XXXX  and in the hospital. My husband has also had health problems in the last week and has not been able to work. I get a XXXX check but it hasn't gotten here yet. These people called me 32 times on XX/XX/2019 and so far, 10 times this morning on XX/XX/2019. I spoke with someone on XX/XX/2019 who supposedly noted in the computer that I would be making my payment on XX/XX/2019. When they call it comes from a private number, XXXX NC or from some man who lives in XXXX NC. It never shows up Conn 's.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-08
Company: UMB FINANCIAL CORPORATION
State: KS
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
I used the online system to make a deposit on XX/XX/XXXX. I noticed the funds were getting low, I have money with another financial institution because I've had issues with this bank before. When the deposit was made my account was NOT in the negative. The bank decided to hold the check, they advised it was because of my history with the bank. ( I have had this bank account since I was XXXX, 31 years of being a customer ) On the 7th I called the 800 # as soon as I saw they had not deposited the funds. They advised nothing they could do. I spoke to a branch manager and was advised she would look into it. This took the intire day, she verified funds on the XXXX, 2 days after the deposit, then released the funds. Once released the bank then charged 3 {$36.00} overdraft fees. I asked them to remove as they should not have been charged and they refused saying it wasn't a bank error. I advised that the account wouldn't have been negative if they would not have wrongfully held the check. Still would not waive them. This bank has charged me hundreds of dollars in fees over this past year all while trying to get me to sign up for overdraft protection. I am tired of being taken advantage of because I live paycheck to paycheck. This bank should not be allowed to withhold funds. I would understand if it was a large check, it was not it was {$500.00}. Please stop this bank from ripping people off!!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-16
Company: CrossCountry Mortgage LLC
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
My name is XXXX XXXX and I have applied for a mortgage with Cross Country Mortgage. I have paid for an appraisal and I am trying to get it transferred to another company. I am getting nothing but the run around from any and everybody that I speak to at Cross Country. They had no problem taking my {$380.00} to cover the cost of the appraisal and now they are giving me the hardest time releasing the product to me that I paid for. This delay is costing me time, money and energy. I get transferred from one department to another with voicemail and no return calls.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-27
Company: CITIBANK, N.A.
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: Public record information inaccurate

Complaint:
I filed for Chapter XXXX Bankruptcy on XX/XX/XXXX. This company has consistently changed the bankruptcy file date when ever they submit an update to the credit reporting agencies. Attached is the most recent example today where they changed it from XX/XX/XXXX to XX/XX/XXXX. This continued action by them is negatively impacting my credit score. I have tried to resolve this with them but only receive critical letters and responses that they are reporting it correctly - making me to be the one being frivolous here when I am not. The credit reporting agencies say its the creditor and the creditor says its the credit reporting agency.

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 2021-06-14
Company: Malen & Associates, p.c.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
XX/XX/2021 a summon for debt {$2900.00} from a company I have never heard of. Company representing XXXX  XXXX Malen & Associate P.C Address XXXX XXXX XXXX XXXX XXXX, XXXX NY XXXX Phone number ( XXXX ) XXXX ext XXXX I returned a phone call on XXXX about The certified dispute letter to verified the debt. 
Called on XX/XX/2021 to follow up about verifying the debt. No update on verification.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On XX/XX/2021 I made a dispute for the amount of {$35000.00} dispute claim number : XXXX On XX/XX/2021 I received a letter from bank of America stating that the claim has been resolved in my favor and they will be crediting my account for the entire claim amount of {$35000.00} on XX/XX/2021 My account wasn't ever credited with those funds and is still not credited and I can't get any answers or resolution from anyone. I don't know what to do I need some help getting my funds please

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 2017-09-27
Company: TCF NATIONAL BANK
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
TCF bank has failed to honor their {$250.00} bonus for meeting their requirements. 
Based on a promotional flyer I opened a TCF " Free Checking '' account on XXXX XXXX 2017. 
The promotional code of XXXX was inputted by the customer support agent. 
The requirement to direct deposit {$500.00} was met on XX/XX/XXXX, within the 60 day window permitted to meet the {$250.00} bonus requirement. 
On XX/XX/XXXX I called the TCF customer support number, XXXX to inquire why I did n't receive the bonus since the requirements were met. At first the customer support agent did n't want to honor the bonus, but then he said he would, and that it would post on XX/XX/XXXX. The bonus never posted on XX/XX/XXXX. I called up the Customer Support again on XX/XX/XXXX and this time the agent said they would do research, and get back to me in a few days with whether or not they will bother to honor the marketing promotion bonus.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-04-29
Company: Experian Information Solutions Inc.
State: GA
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/2022, I sent a letter regarding inaccurate personal information and negative accounts on my credit report. To this day over 60 days later I have not received a response yet. I sent letters to all 3 bureaus, I am being wrongfully accused of these delinquent, charged off accounts. This represents myself as an irresponsible individual. I'm being taken advantage of and being ignored of my disputes, which is costing me my life. No apartment is willing to accept my application, no mortgage lender will provide me home loans. I am STUCK!!! 


Section 611 ( a ) it is plainly stated that a failure to investigate these items with 30 days gives a reason to immediately remove those items from 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 cause me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person. 


In accordance with the Fair Credit Reporting act. Experian, XXXX, XXXX has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. According to the 15 U.S.C 1681 section 602 A. States I have the right to privacy. These addresses do not belong on my credit report nor do these negative, delinquent, charge-off accounts.

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 2017-07-07
Company: Paypal Holdings, Inc
State: SD
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
On XX/XX/XXXX, I discussed with a PayPal representative about connecting our two PayPal business accounts. I told her I wanted to set up a 1-way automatic payment from the newer PayPal account to our primary PayPal balance, to which she said she would look into it and make that connection.
<P/>
Instead, and without our expressed permission, On XX/XX/XXXX PayPal automatically transferred the entire balance of our primary PayPal business account into a XXXX XXXX XXXX bank account that neither the business or its owners have access to. The PayPal staff member incorrectly, and I believe illegally, established a recurring daily transfer of the total PayPal account balance to that same XXXX XXXX XXXX account to which we did not give them permission.
<P/>
On XX/XX/XXXX I called and told them to turn off this " auto sweep '' function so no more funds would be withdrawn. The employee said he turned it off and we would n't have any issues. I also escalated the issue to a supervisor ( XXXX ) and asked to be reimbursed the funds that they unlawfully took out of our account. He told me that he would contact me no later than XX/XX/XXXX with a resolution, and I have yet to receive a response.
<P/>
Today, XX/XX/XXXX, a second " auto sweep '' payment left our primary PayPal account, but this time it went to a connected bank account that the business does control. Again, we did not give them permission to make any automatic deposits, we did not give them permission to send them to the bank account the funds were deposited into, and they said they cancelled the " auto sweep '' function two days before, so this should not have happened.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-04-29
Company: OneMain Finance 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: Reporting company used your report improperly

Complaint:
I am writing to request the removal of unauthorized credit inquiry/inquiries on my ( name of the credit bureauXXXX XXXX and/or XXXX ) credit report XXXX My latest credit report shows Onemain Financial credit inquiry/inquiries that I did not authorize.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting, activating, or registering a card

Complaint:
On XX/XX/20, I went to the Bank of America ATM to withdraw money from my XXXX card, and the card does not get returned back to me. I call the XXXX number to request a new card be mailed to me but it disconnects. The line will not put me and hold and hangs up. Have tried numerous times since XX/XX/20 and I am unable to get a hold of someone I can speak to. Unable to do this online or through their chat.

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 2017-07-05
Company: Convergent Resources, Inc.
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint:
This company - XXXX XXXX - has repeatedly called me from phone # XXXX, despite my telling them that my employer has a policy prohibiting personal calls. In addition, they not only call my direct line, but they press 0 to get transferred to the operator, then ask to be transferred back to me. The operator will always ask who is calling, so the name of their company is disclosed. They also never leave a message on my voice mail, requesting to be called back, they simply repeatedly call and call. <P/>I have also visited their website and submitted two separate DO NOT CALL forms, asking them to stop calling me, with no success. <P/>Called me at work : X/XX/17 @ XXXX XXXX & XXXX XXXX -- at XXXX I asked them not to contact me at work X/XX/17 @ XXXX XXXX X/XX/17 @ XXXX XXXX, XXXX XXXX, XXXX XXXX X/XX/17 @ XXXX XXXX X/XX/17 @ XXXX XXXX - asked them to no longer contact me at all X/X/17 @ XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-05
Company: HCFS Healthcare Financial Services of TeamHealth
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have medical debt from XXXX XXXX XXXX XXXX (? ) 3 of the debts were covered by insurance at that time. They refuse to seek payment for same. The MAIN concern is that the debt was sold from one agency to another agency, - ARS. ARS has listed the collection again from XXXX to forward EVERY month in an attempt to re-age the debt. I tried calling them. It did no good. The {$810.00} amount is the one they report every month. That debt was not covered by insurance. I am not disputing that I owe it. However, the debt is from XXXX/XXXX/XXXX. ARS has re-listed the debt/collection as if it were new. It is not. I believe this practice is referred to as re-aging and is an illegal practice. Just because they bought the debt from another agency does not start the clock over ... Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-03
Company: PNC Bank N.A.
State: PA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I prepaid at an auto-loan at a PNC branch for a vehicle purchased from XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX I deposited {$3300.00} to the PNC branch in XXXX XXXX, XXXX PA and asked the bank teller if she could split the payment up and pay for an entire year. The teller told me yes and that it was absolutely something they do. ( I have loan history documentation. ) A monthly payment is around {$270.00} so I am covered until XX/XX/XXXX. 


Sometime in XXXX or XX/XX/XXXX I received a call from a PNC official regarding this transaction that there was a problem, but they would resolve it and split the payment among months for the entire year. Since then, no contact with PNC was constructively established. 


Today, XX/XX/XXXX as I was going to my car to go to work, I found that my car was repossessed. Immediately after this I went to a branch bank by my residence. The branch bank manager XXXX admitted that the branch bank employee notated that the {$3300.00} was supposed to go to a whole year of payments as opposed to the principal balance. Later, I spent hours on the phone trying to resolve this issue. Further investigation found that PNC had made three ( 3 ) payments and then put the rest of the amount towards the principal. 


I have talked to the PNC Repossession Manager XXXX XXXX, and she believes the PNC bank Branch banker at XXXX XXXX made a mistake and that I should request a refund of the principal balance. The car was released from repossession, but I still have to find a way to go and pick it up at my expense. 


No one I have talked to has any idea why PNC did not split the lump sum into separate deposits for each month. The retail and loan side of the organization has not, as of yet, addressed that they made a mistake. What the banker told me regarding the deposit on XX/XX/XXXX should be honored. This is a predatory lending practice and constitutes misrepresentation which I believe is currently under a strict liability standard in Pennsylvania. 


Because my car has been repossessed, I can not do my duties as a landlord, nor can I go to work. This has caused XXXX XXXX  and real liability.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-29
Company: EQUIFAX, INC.
State: MD
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:
In accordance with the Fair Credit Reporting Act. XXXX, XXXX, and Equifax have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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

These addresses do not belong on my credit report. 

XXXX CT XXXX, MD XXXX My name on the report was spelled XXXX XXXX. which is incorrect, please remove it.

Company response to consumer: Closed with explanation