BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-03-21
Company: Experian Information Solutions Inc.
State: IL
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 went to XXXX XXXX XXXX XXXX as my mother wanted to add me as a beneficiary on her checking account. The representative we worked with successfully added me to the account. However, when I returned home, I received an alert from Experian saying that I had a hard credit inquiry from XXXX XXXX XXXX XXXX. We were never told that XXXX XXXX XXXX XXXX would run a credit check on me, and also were not even aware that this was part of the process. The representative at XXXX XXXX XXXX XXXX we worked with made no absolutely reference to this at any point and I never was asked or consented. I have set up checking accounts at other banks and a credit check was never run. I called XXXX XXXX XXXX XXXX several days later and they indicated that it was part of their process, but again, they never indicated to us that they were running it and I would have refused this.

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 2022-06-09
Company: EQUIFAX, INC.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have tried to fix the situation with this company multiple times with XXXX XXXX XXXX XXXX  This debt that is not mine which is a result from identity theft, this company has been paid using a 1099c and the company is still reporting negatively on my consumer report. The company has already discharged the debt via 1099c. I have already contacting the 3 major consumer reporting agencies about this matter with police report and identity theft report and yet they refuse to remove the item from my consumer report. I am now demanding XXXX XXXX XXXX XXXX  to properly remit 1099c so that I can properly file my taxes. I am demanding that XXXX XXXX XXXX XXXX send me a copy of the 1099c b for the debtor documentation that XXXX XXXX XXXX XXXX has already transferred over to the treasury. Also i am demanding that fair collection & outsourcing contact all 3 consumer reporting agencies and update the status of the consumer report to paid or remove the identity item from my consumer report either or because this is not my debt but since they have already been paid they have a choice to either update my consumer report to paid as agreed or remove and remit payment and remove all and any negative remarks on my consumer report due to the fact the debt was already paid for. I am also aware of the certificate of indebtedness which XXXX XXXX XXXX XXXX has used as assets on the trading market also files a 1099 c with the IRS for all debt over {$600.00} yet failed to provide.I know that XXXX XXXX XXXX XXXX is trading my securities through the trade market system if not i will have to take extreme measurements in federal court which is the proper venue due to securities being involved. Along with IRS FOR TAX EVASION.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-08
Company: Penn Credit Corporation
State: VA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I had a leased car from XXXX XXXX in 2013 and I was just informed by XXXX XXXX that I have an outstanding toll violation in XXXX from XXXX/XXXX/13. I never received notice of the toll violation from XXXX or XXXX Dept. of Transportation. I use an EZ Pass and drove from XXXX to XXXX and the pass registered at all other tolls during this trip. I had no way of knowing if the EZ PAss registered since any notice would have been sent to XXXX XXXX as the owner of the car. PennCredit of XXXX, XXXX is now attempting to collect {$66.00} for a {$4.00} toll after 3 years.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-30
Company: National Credit Systems,Inc.
State: GA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Hi. My dad and I rented a property together in XXXX. My dad fell ill with a XXXX and his doctor ordered that he be placed in a XXXX ( XXXX ). My dad actually qualified for the property due to his financial status. However when my dad moved, so did most of our resources, leaving me with my income to care for the household. I got behind 45 days and received an eviction notice. I concurred with the eviction and vacated the property in XXXX XXXX or XXXX XXXX. Homeless, my XXXX kids and I stayed in a motel.To make a long story short, in XXXX of XXXX, out of NOWHERE, i received a letter from National Credit XXXX from the property management company saying I owe {$7900.00} for various damages. I left the property clean with no damages. I have been away from this property for over a year and some months!!! I paid {$50.00} to speak with an attorney for 30 minutes. He stated that " a landlord/property management company have 30 days to go after a tenant for property damages in the state of Georgia ''. I already have a charge of {$1000.00} plus {$1900.00} for the eviction and whatever else, on my credit report from them. Please help, I do n't have money for an attorney to help me get this off my credit reports.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-13
Company: Experian Information Solutions Inc.
State: NC
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:
RE: Unverified inaccurate items:FED LOAN  XXXXFED LOAN  XXXXFED LOAN  XXXXFED LOAN  XXXXFED LOAN  XXXXFED LOAN  XXXXFED LOAN  XXXXFED LOAN XXXXFED LOAN  XXXXFED LOAN  XXXXI have been back and forth with XXXX and Experian for several months about how they continue to report incorrect information that does not reflect my true accurate credit report. I have supporting documentation from XXXX where I disputed several items XXXX XXXX) that were being incorrectly reported and XXXX completed investigation results came back that these  were unverified accounts and they were deleted from my credit report. I also sent XXXX and Experian a dispute as well around the same time disputing these incorrect items. Their investigations came back Verified. When I sent another letter asking for their verification process method with detailed questions that I wanted answers and documentation proof; I did not receive anything from XXXX and Experian. Yet til this day Transunion and Experian are continuing to report these inaccurate unverifed items on my credit reports. I am uploading supporting documentation from XXXX showing that these items were deleted because they were unverified and inaccurate. XXXX and Experian need to follow suit and delete the abovementioned incorrect items from my credit reports immediately.They must be removed in order to show my true credit history, as these items should not be on my credit report Pursuant to the Fair Credit Reporting Act. I expect this to be completed within 30 days.Please send me an updated report as soon as soon your investigation is complete.

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 2022-03-28
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: Credit inquiries on your report that you don't recognize

Complaint:
I previously opened a case regarding fraudulent credit inquiries appearing on my credit report from XXXX XXXX. The previous CFPB case was case # XXXX. XXXX XXXX promptly investigated my claim and found that these inquiries were in fact not authorized by me and requested that the credit bureaus remove them. XXXX and XXXX promptly removed the inquires. Equifax did not. I contacted Equifax directly through the CFPB and attached the letter from XXXX XXXX stating their intention to have the inquiries removed. Equifax responded to the CFPB and told the CFPB that they would investigate my claim. Equifax did not investigate the claim. Equifax opened a dispute which they close a few hours later and responded to the dispute stating that inquires were a matter of fact and that they would not remove them from my credit file. I am requesting that XXXX XXXX once again reach out to Equifax and request the removal of the fraudulent inquires. I have attached a copy of the letter from XXXX XXXX regarding the inquires which states the inquire ID and the date of each fraudulent inquiry to this complaint. I would also ask that the CFPB take action against Equifax for not following the request of XXXX XXXX and my request to investigate and remove the inquires. XXXX XXXX requested the inquires be removed in XXXX and it is now the end of XXXX and the inquiries remain on my credit report. I have copied XXXX XXXX and Equifax on this complaint. I have also attached screenshots of the inquires still showing on my credit report as well as screenshots from Equifax 's online dispute system showing that they opened and closed the investigation into these dispute within a few hours, did not actually open an investigation and denied me my rights under the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-06
Company: Central Business Funding
State: FL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
Originally contacted on XXXX/XXXX/16 from a man claiming to be XXXX XXXX from XXXX XXXX. He said I owe a debt to Central Business Funding in the amout of {$2100.00}. He said if I do not pay this debt with in 10 days he will have no choice but to take legal action against me. He said that he will attach my bank accounts and my pay. He also stated that I would have to pay all legal fees. This company has to date sent me any kind of written notification except in an email. I asked for them to send me verification in writing that this is in fact my debt. I have not received anything. On XXXX/XXXX/16 I again received a phone call and an email from this company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-05-22
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: TX
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
One Main Financial uses deceptive practices in the way it displays payment due information via their website. Their online " Account Summary '' and " Account Details '' page will show that there is zero due for the upcoming month, yet the online statement itself ( if you download it ) will show a payment due for the upcoming month. I have screenshots and downloads where their website clearly shows my next payment is due on XXXX XXXX, 2016. Yet my statement shows a loan payment due on XXXX XXXX. 

I have relied on their online information for the month of XXXX which showed I had zero payment due. I believed I had paid in advance. Yet I started to receive calls from the company asking why I had not paid my XXXX payment, and when I logged online to check, the online view had been updated to match my statement - after the fact. I though I had made a mistake, but this month when I view my online balance and my statement itself, I see evidence of their deceptive billing practices and I am attaching the screenshots I took as evidence. 


Sincerely, XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-10-27
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: OH
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
I took a loan out for {$3600.00}. 
My bank deposited the check in another 's persons account. 
Once they corrected the problem I had lost out for the reason I needed the money for ... So I repayed the {$3600.00} before the first due date ... Now the institution I borrowed the money from says I owe them {$340.00} by XXXX ... that 's only 7 days they have me to pay the {$340.00} when I just payed {$3600.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
Accounts on my report I do not recognize

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 2015-08-31
Company: Mid-Atlantic Consumer Services
State: UT
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint:
I received a voicemail from XXXX which in number search appears to be a cell phone. The message left states the following ( the beginning appears to have been cut off ) : '' ... office of MACS. This call is in regards to a possible check protest claim that is scheduled to be placed against your name and social security number. If placed, it could affect any current banking you may have. Please take this opportunity to fix the matter as once it is placed it can not be retracted. Our phone number XXXX. Once again the number XXXX. " I have reported this to the local news authority that keeps track of consumer scams. I have read information online that seems to point this out as an identity theft scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-04
Company: American Coradius International LLC
State: NY
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint:
XXXX sent me a letter offering to charge-off and settle my account. I paid them the requested {$2900.00} and the check was cashed before the expiration date of the offer. I have now been turned over to a debt collection agency ( American Coradius International ).

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-12
Company: HUNTINGTON NATIONAL BANK, THE - FIRSTMERIT BANK, N.A. BRANCH
State: OH
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
On XXXX XXXX, 2014, I was unable to leave the property of First Merit Bank, XXXX XXXX, XXXX XXXX, Ohio because of a bank XXXX. I complained to the bank employees who did nothing. I was trapped at the bank. I filed a written complaint with the bank the very next day, including the following : " Because of this terrible situation I experienced at FMB, I tried to contact the offices of its XXXX, XXXX XXXX, to inform headquarters. I called the XXXX customer number. To my disappointment, XXXX would or could not give me contact information for the Bank 's corporate offices in XXXX. I then called the XXXX XXXX branch. To my continued amazement, teller XXXX had never heard of XXXX. ( Does n't the Bank educate its employees about such a simple piece of information? ) Nor could she tell me how to contact the Bank 's corporate offices. All she would say is call customer service. I informed her that I already had. XXXX had nothing more to add. '' No one from the bank ever responded. I resubmitted the complaint on XXXX XXXX, 2014. Still, to date no one from the bank has contacted me about being prevented from leaving the bank 's property, It is now more than half a year without the bank acknowledging the customer service problem, let alone apologizing or taking action to correct its mismanagement. It is against public policy and the public interest to be held 'captive ' by a bank and its contractors. And, just as bad is the inability or the intention of the bank 's customer service department to provide access by a current customer to the bank 's corporate staff. How can the public complain to headquarters when the lower ranks are a hindrance.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-07
Company: Reliant Financial Corporation
State: CA
Product: Consumer Loan
Sub-product: Title loan
Issue: Charged fees or interest I didn't expect

Complaint:
Payments sent each month to vendor : XXXX XXXX to XXXX XXXX XXXX, XXXX, CA XXXX before date ( due XXXX of month, sent by XXXX of month ). In XXXX no billing, telephone call 1 week later of no payment ( said mail returned - I do not believe ) sent Post Office Money Order same day Priority 1 day mail with tracking. Call today money not received - late fee is now applicable ) Checked USPS tracking : Money Order delivered XXXX Post Office Friday XXXX XXXX, 2016 at XXXX. Telephoned back Worker argued not there therefore what do you want me to do? Asked me to call back in 3 days. Explained tracking has money order there and I am NOT responsible for when they pick up mail. Asked for Supervisor who took tracking number, money order serial number and amount and said she would reverse late charge. I am afraid they will continue to do this to accrue late charges and late fees for saying that they did not receive payments. I send money orders because they are a shady group and do not want to give access of checking account. No online access, and interest rate at 95 %. Trying to pay off asap. I believe they are cheating people giving late fees because they fail to pick up mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-21
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: Investigation took more than 30 days

Complaint:
The credit bureaus have been very negligent and taken longer than 30 days to investigate my original dispute was XX/XX/2020. The information On my credit reports is causing irreparable damage and none of the information has been officially verified. There are unverified names and accounts on my credit reports. I cant get approved for anything, not a car or even an apartment to live in.

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 2022-08-30
Company: EQUIFAX, 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: Reporting company used your report improperly

Complaint:
XXXX XXXX XXXX has violated my privacy rights according to 15 USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without written instructions 15 USC 1666B : A creditor may not treat a payment on a credit account under an open end consumer credit plan a late payment for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-30
Company: EdFinancial Services
State: PA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
Edfinancial Loan provider needs to be looked into. People are requesting refunds for payments made during the covid lockdown, including myself, which we are entitled to. These refunds are taking up to 150-200 days with no email or paper trail confirmation. 

Many people are getting their refunds much faster with other loan providers, but Edfinancial services is completely unacceptable. We need to get these refunds processed before the end of the year and our money back into our accounts. 

Please if anyone is reading this I'm sure there are other complaints about Edfinancial services. 

HELP US PLEASE

Company response to consumer: Closed with explanation