BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-09-03
Company: CURO Intermediate Holdings
State: MO
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Can't stop withdrawals from your bank account

Complaint:
Speedy Cash took money from my XXXX XXXX debit card without my authorization. I receive my social security SSI payments in the amount of {$730.00} on this card on the XXXX of each month. On XXXX XXXX my card was debited by Speedy Cash for the amount of {$520.00}. When I called them they stated that my account was past due ( beginning XXXX XXXX ) and that it had gone into collections. I informed them that I had not been contacted by them or the third party debt collector. I also informed them that when I had a payday loan with Speedy Cash in the past that I was told the only way to make payment was to come into their office because they were not authorized to charge my debit card without me being present. I was told that they had the right to take money from my account. They also said that there was nothing they could do because the third party collector was involved. They gave me the phone number for that company. When I called, the representative told me that they were not involved in collecting on this account any longer because Speedy Cash had taken the loan back. I am confused by the back and forth. Now, I am in a horrible position. My account was basically drained which leaves me with no money for the entire month. No money for rent, utilities, doctor visit, or prescriptions. I am XXXX and have no idea what I am going to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-03
Company: FC HoldCo LLC
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: Credit inquiries on your report that you don't recognize

Complaint:
I recently received a copy of my XXXX credit report and I notice there is an unauthorized credit inquiry made by XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX, XX/XX/XXXX. I do not recall authorizing this credit inquiry and I understand you should n't be allowed to put an inquiry on my file unless I have authorized it. In addition, the creditor that provided documentation for credit inquiry to give authorization to review my credit worthiness. Did not provide an opportunity for me to clearly understand what I agreeing to. The credit inquirer 's authorization form was too complicated and not easily understood in language I would understood. I am requesting you initiate an investigation into XXXX XXXX inquiry to determine who requested this credit inquiry.

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 2022-07-18
Company: STATE EMPLOYEES CREDIT UNION
State: NC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Problem with signing the paperwork

Complaint:
I received a vehicle loan for a XXXX XXXX XXXX from NC State employees credit Union in XX/XX/XXXX. After receiving the loan ( and vehicle ) the bank had issues with sending the title to the DMV. They told me it was lost in XX/XX/XXXX so I was never able to register the car. The original seller notified me that the bank did not send the title to the DMV but instead returned it to the seller. The DMV has returned payments to me for highway use and also the title application, which are proof they never received the documents from the bank. When I spoke with the bank they advised they wont do anything since I agreed to the loan. At this point I do not have the vehicle since the original seller was able to come with the police and retain possession as it is still in their name. I have paid over {$1000.00} towards the loan for this vehicle and I am still responsible for a remaining amount over {$10000.00}. I believe NC SECU should cancel the loan and return my loan payments as their negligence with the documentation has led to me not having the vehicle.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-18
Company: Experian Information Solutions 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: Credit inquiries on your report that you don't recognize

Complaint:
I WANT THIS ACCOUNT REMOVED ASAP OFF MY CREDIT REPORT THIS IS FRAUDULENT ACCOUNT AND REPORTING IN ERROR THIS IS CAUSING ME NOT BE ABLE TO GET HOME LOAN

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 2017-09-03
Company: CITIBANK, N.A.
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I have significant concerns about Best Buy offering what this consumer perceives is a way to make consumers accept an annual credit card for a fee, when in fact, the consumer is eligible for their platinum credit card at no fee.. An initial letter was written to Best Buy who forwarded the letter to Citi Bank who apparently is the credit card company providing services for Best Buy. Their letter did not answer my questions to my satisfaction and they claim that they do not have to disclose why I was denied because of their proprietary credit card scoring. I have subsequently written the CEO of Citi Bank inquiring why a consumer with a > XXXX score, > 19 years of XXXX XXXX XXXX, > XXXX annual salary and over 1.4 million in net assets does not qualify for a Platinum Best Buy card. I advised him that it was very suspect that they would offer me a different credit card at an annual fee and concerns that this is a system wide policy which would be quite beneficial to the corporation at {$50.00} per individual.

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 2017-04-24
Company: 1st Franklin Financial Corporation
State: AL
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Can't contact lender or servicer

Complaint:
I took out a loan with   XXXX   XXXX   XXXX   XXXX   Al my due date was Fri   XXXX   XXXX   I got a letter Saturday saying my lawn was bought by another place I have never been to. I have not heard anything from   XXXX   XXXX   I want to know why or how can someone buy my   XXXX   XXXX   and force me to do business somewhere else

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 2017-09-03
Company: ONLINE Information Services, Inc.
State: NY
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This provider rendered services while I was in XXXX XXXX Hospital. XXXX XXXX Hospital accepted the no fault assignment at the time of my treatment and has been paid in full to the present. I was receiving invoices for medical services provided that were a direct result of a motor vehicle accident. I told the billing department on several occasions that by accepting the no fault assignment neither I nor my personal insurance company can be held responsible for any bills as per regulation 83 of the NYS no fault law. ( LINK to Reg 83 : http : //www.dfs.ny.gov/consumer/faqs/faqs_reg83_nffeesch.htm ). I gave this link to the billing department and all of the information from the no fault insurance carrier to aid in their quest for payment. Still, unrelentingly, I was sent a statement every month asking for payment. I finally told the representative to stop calling and harassing me.
On a whim one day, I visited XXXX XXXX to find that the company had post 2 negative marks against my credit. That is not only wrong but ILLEGAL to seek compensation for medical bills that are no fault. I also believe the 2 negative marks were for one incident.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-01
Company: ATG Credit, LLC
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
On XXXX ATG responded back to case # XXXX will a bill stating that they notified me, please look at the address on the bill it says XXXX XXXX XXXX XXXX I haven't lived there since XX/XX/21. My new address is XXXX XXXX XXXX XXXX, IL XXXX. So they never gave me a chance to responded and they bogusly placed this on my credit report without giving me an option to pay or settle if it's truly my debt, but a bill don't clarify that it's my debt. Where is my signature stating that it was me that received the medical attention. Then what they uploaded has a 0 balance. I'm confused as to why this is on my credit report at all.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-18
Company: Experian Information Solutions Inc.
State: AL
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I am very annoyed and disappointed when I got my credit report just today. I have researched my rights on the internet regarding whats happening on my credit report. I dont know if you are playing games with me because I KNOW MYSELF, I KNOW MY ACCOUNT, I KNOW IF I PAID ON TIME OR NOT, I KNOW IF THIS IS MY ACCOUNT OR THERES SOME ANOMALLY GOING ON HERE. PLEASE Im begging you to investigate what is happening on my credit report. Im listing down all of the information below that is clearly a 100 % inaccuracy on my credit. 

XXXX XXXX ; Account Number : XXXX Bal : {$15000.00} XXXX XXXX ; Account Number : XXXX Bal : {$990.00} XXXX XXXX XXXX ; Account Number : XXXX Bal : {$650.00} Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate. I want you to conduct an investigation regarding this and if they don't give proof of evidence I want this to be deleted from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-01
Company: LoanCare, LLC
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
In XX/XX/2021 XXXX XXXX did not apply my payment. I have a letter from XXXX showing the money sent and XXXX XXXX failed to apply. I spoke with a XXXX XXXX employee in XXXX, XXXX, XXXX and XXXX to try to get this corrected. Each employee had diffrent responses to the issue. The one said I see we received your payment however you have a new loan number, i asked when did my loan number change, she was unable to tell me this and hung up on me. When i called back i was told the loan number did not change, that my late fees would be waived and XXXX would be applied. On XX/XX/XXXX i received a statement saying i was 45 days late on 2 payments, XXXX bank shows the XXXX payment was cashed XX/XX/XXXX, however it was not applied. Also for XXXX was not recorded. I have my payments go out automatically every month through XXXX bill pay, they send the payment by the 4th of the month every month, i have never missed a mortgage payment ever. Late fees are continuing to accrue, i pay {$1600.00} a month on a regular payment of XXXX, my funds are not being applied correctly to the additional principal payment. In addition i submitted a credit reporting error in which the servicing company rejected, now creating damage to my credit score. The bottom line of the issue is they never applied the XXXX payment which the representive confirmed that she saw it but was applied to a different loan number!

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 2017-08-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This complaint is about Bank of America. They have not been reporting to the credit bureau 's on our mortgage. We were looking at my husbands credit score on XXXX XXXX and saw that our account with Bank of America has been closed since XX/XX/XXXX, however we have been paying them up until XX/XX/XXXX when they transferred our account to XXXX XXXX XXXX and we started making payments to them in XX/XX/XXXX and are currently making payments to them. They are a debt collector and we are in a modification with Bank of America. We tried to refinance but Bank of America is reporting us 30 days late for the last year. If you could do a complete review of my mortgage we would appreciate your help.

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 2022-07-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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 never submitted inquiries to XXXX, XXXX XXXX or XXXX  mailed 2 letters to credit agencies and these agencies and no 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 2019-10-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Personal information incorrect

Complaint:
The credit bureaus are reporting inaccurate/outdated/incomplete personal information.

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 2019-08-02
Company: Resurgent Capital Services L.P.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
my credit card was compromised with XXXX XXXX and XXXX  XXXX sold the account to resurgent. XXXX XXXX refuse to validate account but did remove their trade line from. with the 3 credit bureaus XXXX debited the credit card onXXXX and on XX/XX/2015 which is un authorized charges. I had credit protect on this credit card account and credit monitoring. I contacted resurgent with letters showing that I did not authorize these charges. I went into the purchase page for XXXX and to see that there was no debit from them on XX/XX/2015 but a purchase debit for XX/XX/2015. but 2 debits appeared on the account I am disputing with resurgent who now reports to the credit bureau. I did not authorize these charges

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-15
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: Information belongs to someone else

Complaint:
{$920.00} from XXXX XXXX XXXX  XXXX and Equifax and XXXX continue to report negative fradulent information on my credit report. They are in violation of the FCRA

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-18
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: Don't want a card provided by your employer or the government

Complaint:
they do not want to replace the XXXX that I send the banco of america is XXXX dollars XXXX says that I cancel it and send me a check which has not arrived and that only online hey solve the problemand the don't is fraude for not XXXX pay me its already XXXX I'm XXXX XXXX XXXX XXXX for no page the rent homles and hel me for my money the XXXX they don'twant to give me the account number so they can replace it and banco de america doesn't want to replace it with 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 2022-10-03
Company: Paypal Holdings, Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
Between XX/XX/XXXX and XXXX, there was a coupon-based promotion run by Paypal on purchases at XXXX that state {$15.00} off when you make a purchase of {$15.00} or more. Many customers including myself saved the coupon offer on Paypal, saw the {$15.00} off apply during checkout, and got the Paypal email receipt showing only the remaining balance above {$15.00} should be charged. However, we got charged the full order amount. I personally paid with Paypal balance so you would think it can easily be refunded by Paypal. 

I attempted to contact Paypal support as well as transaction dispute immediately to resolve the issue and got a response that they can only issue a {$15.00} voucher for future use because they can not go back and apply a voucher that should have been applied, and even that voucher needs to wait until they get communication so no clear timeframe of resolution. This is clearly not an acceptable resolution as I would not have placed the order if the {$15.00} offer didnt apply, and I do not want a {$15.00} offer for future use, I need it refunded. 

Paypal response : We were advised of this issue occurring on this type of transaction, I'm sorry to hear that you were affected. 
We are working on getting these resolved with our affected buyers who are experiencing this. 
Once it's been completed, you'll get the voucher for {$15.00} that should have applied. Once the payment is captured, we're not able to go backwards to apply the discount that should have transpired. Sorry. 
Thanks for your patience while we work through this issue. 

Paypal response : There are some things beyond our control when it comes to the rewards we offer to our customers. 

If others are saying a refund is being done, I've not been communicated that yet on our end. 

Currently we have not been updated yet on any resolution on this matter. I'll leave the chat open another 24 hours.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-08-30
Company: Convergent Resources, Inc.
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I am contacting you because I am receiving a debt letter from a company I do n't know or owe money to. I google the number on the notice and it comes up scam. The letter is from XXXX XXXX XXXX in XXXX, WA XXXX phone number XXXX. I never had service from XXXX. It says I owe {$1200.00}.

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 2022-07-18
Company: Experian Information Solutions Inc.
State: VA
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 XXXXt Account, XXXX XXXX Bank account number ending in # XXXX, XXXX XXXX account number starting XXXX and XXXX XXXX XXXX account number starting with ending in # XXXX has violated my rights. 

15 U.S.C 1681 Section 602 A. State I have the right to privacy.

15 U.S.C 1681 Section 602 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instruction.

15 U.S. Code Section 1666b. a creator may not treat a payment on a credit card account under an open-end consumer credit plan as late for any reason.

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: Westlake Services, LLC
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:
Western Funding is reporting a balance of {$9200.00} on my credit account for a vehicle that they picked up due to mechanical issues to repair. The vehicle was never returned to me fixed and I moved to another state. They have the account listed as a charge off. Ive disputed and disputed several times and they fail to remove it from my account.

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 2017-09-03
Company: ENCORE CAPITAL GROUP INC.
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:
On XXXX XXXX, XXXX I received a letter from XXXX/XXXX, XXXX which I will attach. This letter is a notice of a debt collection for their client, Midland Funding, LLC. The original creditor being XXXX , XXXX XXXX 
I have never in my life even heard of Midland Funding. I have never in my life acquired debt from XXXX. 
I went online and read the long history of problems and deceitful practices by both XXXX, XXXX and Midland Funding. 

I think it is disgusting that this can happen to someone. I am in the process of going through a mortgage and if anything happens to disrupt this process I do n't know what I will do. I am SO upset about this. 

I had a recent problem with XXXX XXXX and their reporting of a debt, and the CFPB really helped me a lot. XXXX ultimately admitted the error and I would have never been able to do that on my own ... I tried, having spent hours on the phone. 

I am frankly fearful to even call this XXXX  XXXX company after reading the stories about them online. I work full-time as a single parent and am in the midst of moving and I do n't have time to do what I did with XXXX. 
I responded in writing to XXXX within the 30 days they state that I need to do before the debt is then assumed to be " valid '' ... .seriously?? 

Please help!!

Company response to consumer: Closed with explanation