BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-21
Company: Phoenix Financial Services LLC
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Hello We're not sure what this debt is nor can we verify any of this information as it's not a medical location we have visited. Given this is the first we've heard of it -- and they are claiming it's from XXXX of 2020, we are thinking it's fraudulent. 

This is the only blemish on our credit report, and having this debt collection company hang up on us when we asked questions, then just send us a letter doesn't feel like it's credible. 

We would like this debt removed since they have been unwilling and unable to provide any further information and we have no records ourselves of this supposed " bill ''.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-24
Company: Telsa Motors Inc
State: FL
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
We purchased a car from Tesla and went to their dealership to order the vehicle. The sales rep took us on their website. We calculated the payment to $ XXXXmonth with {$22000.00} down. Their website stated that the payment includes Includes Destination & doc. A fee of {$1200.00}. Once we ordered the car, paid them {$250.00} as a deposit, and the documents were sent to us days later within their portal, the car payment jumped to $ XXXX/month ( $ XXXXmonth increase ). When we confronted them on the discrepancy, they told us that the website was false and, in their own words, " we are not a big fan of our payment calculator on our website. '' When I confronted them that this is a bait and switch, they retracted their statement and started to justify the mistake by stating their website doesn't include ANYTHING in their payment, no interest, no fees, no taxes, etc. How is one supposed to know what the total payment is if the interest on the car is not added when they're presenting the payment and selling the vehicles to their consumers? And there are other hidden fees on top of the {$1200.00} they have shown? This is a 31 % increase in payment from what was told to us at the time of the sale!

Financing a car or a mortgage is no different. If a mortgage company were showing payments on their website that didn't include the APR, Fees, and Taxes, they would be shut down by the CFPB and FTC for false advertising. Still, a car company like Tesla can advertise payments to people and switch on them without any recourse??? This is a double standard in the finance industry and unjustified! 

After canceling the order, they removed the contract on their website which you couldn't even download!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-08
Company: Resurgent Capital Services L.P.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
After receive a default judgement from this company on XX/XX/XXXX, I started to do some research and found that the company has filed several small claims law suits on me without proper notification. I recently sent the company a debt validation request and the information that I received was not the proof of evidence that I requested. I request for the company to send me a signed contract or agreement bearing my signature indicating that I agreed to make payment to them or I even owe the debt. However, I did not receive the documentation I requested. I was sent credit card statements instead. 

What is more disturbing is I found a court document on XXXX Co. Clerk of Courts website with a signature forgery. I didn't signed this document and has never seen it before XX/XX/XXXX. Nevertheless, someone signed my name to the document and filed it with a court of law. This company has committed fraud against me and I will be filling a complaint with the XXXX  and the Office of Attorney General. I am further contemplating contacting a law to represent in a case against this company and it's affiliated partners for unethical and unlawful practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-23
Company: EQUIFAX, INC.
State: NJ
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:
Below is the follow inquires that I did not authorize Equifax XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ) XX/XX/XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Auto ) XX/XX/XXXX XXXX ( Bank ) XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-23
Company: National Credit Systems,Inc.
State: IN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I rented an apartment at XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, indiana XXXX from XXXX XXXX. They agreed to let my ex wife continue my lease when I moved out XX/XX/2021. My ex wife and son moved in the next day. I paid a {$620.00} deposit and they are suing me for {$460.00} because they said I broke the lease. I had a verbal agreement with them. National credit systems now has this on my credit report. My ex wife can verify the dates. I do not owe this money.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-01
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: IL
Product: Consumer Loan
Sub-product: Installment loan
Issue: Problems when you are unable to pay

Complaint:
I have tried to work with the lender directly in terms of paying off my loan at the correct remaining balance for a few months. 

Since then, my lender is attempting to delay communication in order to continue charging an outrageous amount of interest at the rate - 33.498 %, and recently put me on an interest-only bearing term which I was unaware of. The lender has charged me unreasonably high penalties for failure to keep up with repayments and took advantage of the fact I was unemployed for a year. 

The lender has told me they will not be able to work with me until my account goes to collection because I do n't have an attorney.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-26
Company: BARCLAYS BANK DELAWARE
State: VA
Product: Credit card
Issue: Bankruptcy

Complaint:
Barclays Bank continues to report bad information on a Credit Card that I was merely an authorized user on when my XXXX, who the card belonged to, had the debt discharged in bancruptcy.

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 2023-01-25
Company: Cedars Business Services, LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I paid for my stay with XXXX with my XXXX XXXX card. 

The service was not as described the unit did not have air conditioning so after trying to resolve the matter with the merchant and get a refund to no avail, I had to file a chargeback with XXXX. 

This is when XXXX sent my account to collections *while the chargeback investigation was ongoing*. The Debt collection agency Cedars Business Services sent the validation letter to the XXXX apartment address on XX/XX/XXXX, knowing they I did not occupy this address any longer as I had moved out. This was even after I had sent them via email on XX/XX/XXXX explaining my new address. Fortunately I knew enough about credit protection laws to dispute the debt without the validation letter. However, this was intentionally misleading behavior from both XXXX and Cedars Business Services. 

The XXXX chargeback did not reverse the payment ; I have already paid the debt. So now XXXX is trying to double collect that money from me, while also engaging in questionable debt collection tactics. This is anti-consumer behavior : XXXX is breaking the Fair Credit Billing Act, which states that while a chargeback investigation is ongoing, the issuer XXXX not attempt to collect the disputed amount or treat it as delinquent. 

The company is intentionally intimidating me not to exercise my chargeback right as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-04
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I received a copy of my credit reports and noticed only on Equifax XXXX accounts that did not belong to me XXXX # XXXX AND XXXX # XXXX. I initated a dispute and 30 days later Equifax claimed they verified the information was correct. This is impossible since I called both companies and neither has record of me on file and wont release any other imformtion at my request. Please remove these accounts that do not belong to me ...

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-10
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : 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 XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-01
Company: NAVY FEDERAL CREDIT UNION
State: VA
Product: Money transfers
Sub-product: Domestic (US) money transfer
Issue: Other transaction issues

Complaint:
Using the Navy Federal Credit Union App, I accidentally transferred {$570.00} to the wrong member. The Credit Union has made attempts to contact the member, but has not returned my money. I would like to have the funds returned.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-05
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account name : XXXX XXXX XXXX  # XXXX, Account name : XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Account name : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2017-03-16
Company: BARCLAYS BANK DELAWARE
State: VA
Product: Credit card
Issue: Billing disputes

Complaint:
BARCLAYCARD WILL NOT CREDIT MY MASTERCARD FOR APPROX {$990.00}, that was charged by a vacation planner " XXXX '' in XX/XX/2016. I tried to redeem my vacation weeks in XXXX in XX/XX/2016, the company disappeared ... no phone, no email, no websites. When I called to file a complaint with BARCLAYCARD, XX/XX/2016 they immediately refunded the charges, pending their investigation. They were unable to locate the vendor then re-charged my account the original amount. They stated that because I filed a FRAUD vs DISPUTE case I was not eligible for a refund and my case window had closed! I had no knowledge of their internal classification of complaints ... .I simply told my story to several customer service reps 10+ times. Each call was a repeat of previous conversations. My most recent calls followed their instructions to fax my contract to them. 18 pages followed circa XX/XX/2016. They told me that I should continue " communications '' with the company because they perhaps, may refund or redeem my vacations in the future. Clearly they have me on the " slow roll '' placing useful idiots with poor language skills in my path. What is my next step? Can you help 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 monetary relief
Consumer complaint received 2023-07-14
Company: WELLS FARGO & COMPANY
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other service problem

Complaint:
On XX/XX/2023, my personal friend XXXX XXXX XXXX attempted to send me {$660.00} + {$130.00} via XXXX to reimburse me for our upcoming leisure trip to XXXX, CO. I had paid all the expenses ( hotel, flight, car rental, concert tickets, etc. ) on my card, and he was reimbursing me for his half of the expenses -- all allowed under XXXX 's Terms of Service. My Wells Fargo Checking account ( tied to XXXX ) was immediately frozen, flagged for closure, and my XXXX access was suspended. I was instructed by Wells Fargo to visit a Wells Fargo branch with two forms of identification. I did so, and Wells Fargo Loss Prevention Team 'retained " my Wells Fargo Checking account. Wells Fargo also, after verifying my identity, initiated an internal escalation to restore access to XXXX. After attempting to enroll in XXXX with XXXX XXXX XXXX, I am told that my XXXX profile is still restricted. XXXX is unable to assist, as I signed up to XXXX via a partner bank ( Wells Fargo ). Wells Fargo is unable to assist, as they claim they have unlocked my XXXX access on their end. XXXX XXXX is unable to assist, as they claim the suspension is from Wells Fargo. No party is willing/able to help me. I have always used XXXX in accordance with the outlined Terms of Service -- only sending & receiving to/from friends and family for non-commercial payments.

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 2022-02-23
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:
I XXXX XXXX recently gained a copy of my credit report and noticed inaccurate and unfair accounts that are hurting my general reputation as a consumer. I demand these bureaus to delete said accounts and I am seeing monetary remedy and deletion for the anguish and pain it has caused me in my life. These accounts are hindering me from moving forward in my field of work and also from obtaining mortgage loans amongst many other things. Please help resolve this matter because it is illegal to report these accounts without my written signature. 

I DEMAND THESE COMPANIES TO REMOVE THE ACCOUNTS IMMEDIATELY!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-15
Company: ENCORE CAPITAL GROUP INC.
State: GA
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Midland Funding is trying to collect a debt they bought from CA and they are not licensed to operate in my state.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-02-24
Company: First Recovery Solutions, Inc.
State: CT
Product: Debt collection
Sub-product: I do not know
Issue: Taking/threatening an illegal action
Sub-issue: Sued w/o proper notification of suit

Complaint:
This company keeps calling me asking for money. Will not tell me where they 're from or what company they represent. They keep telling me to get a lawyer. They want money pay them and they wo n't sue me.

Company response to consumer: Untimely response
Consumer complaint received 2023-08-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This Inquiries is not mine and it's totally Fraud, I'm not aware with those Inquiries.

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 2023-04-04
Company: Experian Information Solutions Inc.
State: AZ
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:
XXXXXX/XX/XXXXAccount numberXXXX  {$1000.00} XXXXXXXX XXXX XXXXXXXX {$600.00} XXXX XXXXXXXX {$720.00} Addresses XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX My consumer right has been violated according to 15 us code 1681 .... inaccurate which should be deleted immediately...

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 2017-03-07
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
I have been at arms with Experian for the better part of three months regarding the removal of a fraudulent/incorrect item from XXXX. I sent all XXXX credit bureaus the same evidence and the other XXXX removed the issue without any further hassle. When I contacted Experian regarding this in XX/XX/2017, I was instructed by a representative that they were going to remove the item without anything else needed on my end and that the process would take 3-5 business days. 7 business days later, I contact again to find this was a misrepresentation and that they did not remove the item. I requested contact by a supervisor and for them to report my issue as a formal oral complaint. To this date, I have never received acknowledgment of my complaint nor did I receive a call from a supervisor. I continue to be misled and completely lied to by this organization and they continue to hold my credit hostage by not accepting the evidence from the XXXX XXXX. I request formal contact and swift remediation of this issue including removal of this fraudulent negative item. I have included the letter from XXXX XXXX specifically absolving me of any type credit issue.

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 2015-05-13
Company: Mobiloans, LLC
State: CA
Product: Payday loan
Issue: Payment to acct not credited

Complaint:
they are rip-me off for this loan. 
my loan amount was {$1000.00}, they charged me {$1500.00}, even I extend few times. 
I made few times paid {$300.00} and they credited for only $ XXXXthis things happened XXXX.

Company response to consumer: Untimely response
Consumer complaint received 2023-12-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
Product: Credit reporting 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 please remove this fraud inquiry 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 non-monetary relief
Consumer complaint received 2023-11-21
Company: Data Mortgage Inc.
State: WA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage
Sub-issue: Trying to communicate with the company to fix an issue with the application process

Complaint:
Without question working with Essex has been the most reprehensible experience of my life. My family and I began the process of a loan modification even though we had not missed ANY payments but were in an extremely bad financial situation. This was approved and then went through to a payment plan that could then become a modification if fully completed. We never missed a payment ( still never have ) and we were supposed to receive paperwork to make it permanent. Ok, great. Except, in the process Essex switched service providers and apparently lost every record in the entire world in the process. So Essex has sent us letters saying we owe anywhere between XXXX months additional mortgage payments ( we do not owe any ). Even worse every single time I call to make our housing payment ( which is XXXX because you can never connect with an actual service rep ) I ask about our modification paperwork and each rep tells me they dont know why it wasnt sent blah blah blah. I give them a record number and they cant locate it. We are going on 5 times asking for the paperwork. Never received it. In the meantime they reported to our credit that we are XXXX months behind ( again WE ARE 0 MONTHS BEHIND ). So finally we get a letter from Essex, saying that were rejected for the loan modification because we have no outstanding loan balance???? So what is it actually then Essex if we dont have any outstanding balance and that disqualifies us, then great but fix our credit for the love of XXXX. And if not then good lord send us the paperwork. Essex I hope you get in contact with us ASAP to resolve this, because truly if we dont find a resolution we will absolutely seek legal action. This is the WORST mortgage company, do NOT go through them.

Company response to consumer: Closed with explanation