BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-06-09
Company: Crossroads Systems Inc.
State: MS
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
I applied and was approved for an SBA PPP loan on XX/XX/2021 through this XXXX lender. Loan Number XXXX. This lender has reported the loan to the SBA the loan as actively disbursed. It was never deposited into my account. The companies listed address is closed. They do not answer then phone. I sent them a certified letter to make the deposit on XX/XX/2021. It was received at their closed office. As of today XX/XX/2021 this XXXX lender has not distributed SBA PPP loans to thousands of people. This company has committed fraud against me, has not communicated with me in any way about the loan since it was processed, and has not deposited the funds into my account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-07
Company: The CBE Group, Inc.
State: NY
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 aware that according to article XXXX, the assignment of a defaulted note is illegal. Both the assignee and the assigned are both liable for violations under 15 USC 1692 ( e ) ( 12 ). I am not validating any alleged debt with The CBE Group ) and my failure to dispute the validity of these alleged debts shall not be construed as an admission of liability. 
As of XXXX XX/XX/2023, I have not received any documentary evidence such as a trilateral contract giving The CBE Group any right to collect on this alleged debt. I have never received any documentation requesting validation from The CBE Group before they committed multiple violations under the FCRA & the FDCPA by furnishing this alleged debt to my consumer report including but not limited to 15 USC 1692 ( d ) ( 4 ) which the FTC defines as debt parking.

If The CBE Group can not provide me with proof such as a tracking number that they attempted to lawfully validate this alleged debt with me, the consumer, prior to furnishing this on my consumer report, this has been a fraudulently furnished account with forethought and malice as an attempt to bring harm to me and my financial reputation.

I am legally refusing to pay this alleged debt pursuant to 15 USC 1692 ( c ) ( c ). I am demanding a cease and desist of all illegal activities, any communication and collection activities of this and any alleged debt until The CBE Group can provide me with sufficient documentary evidence that I have any legal obligation to pay them. 
If this documentary evidence can not be produced and The CBE Group continues its collection efforts, I will file for litigation for actual damages caused and The CBE Group will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028a, extortion, theft by deception, securities fraud and mail fraud.

Upon receipt of the documents herein this notice, you are hereby notified pursuant UCC 1-202f. 
Your prompt attention and response are both requested and required.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-30
Company: Alorica Inc.
State: WA
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:
CFPB team, SST/XXXX XXXX Please remove the account SST/XXXX  for failing to provide the original signed the consumer contract per section XXXX ( a ) ( XXXX ) ( A ) of the FCRA. I have requested the signed original contract They have not sent me anything with my signature instead they have mailed me account statements which do not constitute as the signed consumer contract yet this company continues to violate my consumer rights. Please delete the account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-01
Company: WELLS FARGO & COMPANY
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint:
The company charge much higher interest rates for consumers with good credit my score was in the 700s. they charge fees to talk to some one fees to make payments, Fees if u make payments Im sure I had other products and services with Wells Fargo left due to the fees and high interest charges luckily was able to get financing else were, freeze peoples accounts if they didnt immediately set up security measures into compromise, locked out my accounts, it was always drama with Wells Fargo

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 2021-01-06
Company: TRANSWORLD SYSTEMS INC
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have written Transworld Systems Inc several dispute letters that I found online and they have never responded to me at all! They are reporting on my credit and they have not answered my mail! That is a violation of the FCRA, they are violating the FDCPA by not responding to my letters! PLEASE HELP ME!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
On Monday XX/XX/19 I discovered that Capital One had made an unauthorized ACH withdrawal of {$5000.00} from my XXXX XXXX  checking account. 

I had previously used Capital One 's XXXX app to set up automatic payments of {$500.00} per month from my checking account ( which had functioned properly to execute a {$500.00} AutoPay withdrawal on XX/XX/19 ). However, when I checked the AutoPay settings after the {$5000.00} withdrawal, instead of being set for a " Fixed Amount '' payment of {$500.00}, it was set to pay the entire " Last Statement Balance. '' I NEVER SET AUTO PAY TO PAY THE " LAST STATEMENT BALANCE, '' nor would I ever do that because I had a balance of more than {$5000.00} and I generally don't have that much in the checking account the ACH was set up to draw from. 

I immediately called Capital One ( on XX/XX/19 ) to have the payment reversed and was told by a supervisor named " XXXX '' that he could not reverse the unauthorized withdrawal, nor could he do anything else to help me. I asked him to escalate the call to his supervisor and he told me that his supervisor does not take calls from customers. 

Even if I had made an error and somehow accidentally changed the AutoPay setting from " '' fixed amount '' to " last statement balance '' ( which is not what I believe occurred ), when I notified them immediately that I did not authorize a payment in that amount they should have reversed the transaction and, at most, charged a nominal transaction fee for the reversal. 

I have to believe that Capital One 's outright refusal to correct an unauthorized withdrawal from a customer 's checking account is prohibited by federal and/or state law, and refusing to allow customers to speak with anyone higher than a first-level supervisor is not only unconscionable but, from a customer relations standpoint, downright idiotic.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-12
Company: Resurgent Capital Services L.P.
State: TX
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 have asked on multiple occasions that LVN remove me from their records and to provide me with written proof in accordance to the XXXX and FDCPA of any original wet ink written agreements of me entering into contract with LVN. To show provide proof that I gave my written consent to them to report any positive or negative items on my credit profile and to show any proof that I owe them any debts related to services Ive accepted from them. LVN continues to harass me with threatening language via mail, phone calls, and text. They are damaging my reputation and continues to use my name fraudulently. I have asked them to remove this account and any all negative information associated with my name, the likeness of my name and any addresses current or past

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-13
Company: LOBEL FINANCIAL CORPORATION
State: AR
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I owed one payment and was a couple days late. I called on a Tuesday to inform them I'd pay on Friday. The next day a " repo man '' arrived at my home. The car was not operable and when asked to remove my belongings I declined and requested the address of the tow yard it was going to be taken to. I was given what was later determined to be a false address. After making the final payment calls to the company were ignored for approximately two weeks. Finally I was told the car was sold the previous day at an auction. This all tool place in XXXX or XXXX. Last year, XXXX, I received two judgements against me. The first in XXXX XXXX County, the second in XXXX County resulting in a wage garnishment. I have not lived in California since XXXX and had no idea these claims were filed therefore I was not allowed to respond.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-07
Company: BARCLAYS BANK DELAWARE
State: AR
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
XXXX XXXX uses a third-party financial servicer, Barclay, to facilitate payments. The two entities appear separate, and do not share information about account transactions and payments in real-time. I have noticed a pattern of consistent over-charge of interest as a result, which usually is most apparent when I pay my balance in full and receive a statement that I owe additional fees/interest after-the-fact. I believe this practice is deliberate, and contrived to passively retrieve more than agreed upon interest fees in the credit contract. I have to call every time this happens and request the interest fees be reversed. The fact that the company readily acknowledges the error of additional charges and reverses the fees without question leads me to believe that they are aware, and that many other consumers may just be unknowingly paying these fees without question. I have expressed to Barclay ( in these phone calls ) that this practice is patterned, unethical, and illegal and that someone should correct the error in the system. Today I am filing complaint in hopes that an outside investigation into their practices will bring them into compliance of federal fair-trade practices.

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 2023-01-15
Company: EQUIFAX, 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX : XXXX, XXXX XXXX XXXX, BANK OF 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  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 XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2023-11-07
Company: U.S. BANCORP
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I signed up for US Bank checking account with {$400.00} bonus in XXXX I took a screenshot as the proof that I put the promo code when I opened the account, I finished the required direct deposit as the requirement for the sign up bonus. And I contacted them in XXXX to see why I haven't received the sign up bonus they said they will create a case but I never hear from them after receiving my bonus.

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 2019-02-12
Company: EQUIFAX, INC.
State: LA
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:
On or about the XX/XX/XXXX2019 I sent in a letter asking Equifax for validation of a few inquiries on my report. I received an email on XX/XX/2019 I received an email from Equifax stating they received my letter and issued me a dispute # of XXXX. On XX/XX/ 2019 I received a email stating my dispute was complete. Upon review of my credit report I found the results of their investigation had nothing to do with the inquiries in the letter they received on the XX/XX/XXXX 2019.  I called to explain this to them but was given several vague security question. Unfortunately i was unable to get help from the representative. 

I also noticed that the investigation they conducted was a bankruptcy in which they obtained according to them validated information threw a third party. The third party in which they validated the information with has an active suppression on my file dated XX/XX/XXXX 2019. this means that they were able to obtain information without my consent in writing and while my file was suppressed with the company verifying it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-12
Company: United Acceptance Inc.
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Loan sold or transferred to another company

Complaint:
I bought a car from buy here pay here, I paid on the car for so long and was on time and they seen that I was a great creditor always paid on time and sometimes more, I was told that my long was being turned over to a bank, so I signed the papers thinking that that would help my credit but it was turned over to a finance company, my interest rate went sky High and turn to a upside down loan on the vehicle, then the vehicle was no longer drivable, as long as I was with the company they would fix it because they wanted their money, but once I was on my own with the finance company, I was stuck with a used vehicle that had been bought from an auction, It finally costed me a little over {$1400.00} to fix it and it costed me {$1400.00} to pay it off, so I requested that they come and secure their property there was no way that I could fix the vehicle and make payments at the same time so the best thing for me to do was to ( surrender ) relinquish the vehicle, they sold the vehicle for {$300.00}, I had {$800.00} worth of tires on the vehicle because I kept the maintenance up I want to road ready, brand new starter, brand new battery, all the whole works brand new rims, brand new rotors all the way around, they never contacted me to negotiate how we could resolve the issue they just sold the vehicle and I was stuck with the balance and I didn't sign up for my vehicle to be sold to a finance company I thought I was with a bank and I would have went the whole 100 with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-17
Company: Paypal Holdings, Inc
State: IN
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unexpected or other fees

Complaint:
On Tuesday XX/XX/XXXX Paypal tried to deduct {$250.00} from my debit card stating I signed up for auto add money feature which I never did. My bank denied the transaction. I called Paypal and they told me it was a glitch and no money was attempted to be withdrawn and it wouldn't happen again. Tuesday XX/XX/XXXX, XXXX, and today the XXXX they tried to take it but this time from my bank account. My bank denied it all three more times. I reached out today where the service rep was rude and wouldn't give me any answers other than " we'll contact you after we investigate and close your account ''. So my account is being closed for asking why they are trying to take {$1000.00} from my account monthly? And I'm not sure but possible illegaly I never authorized any money to come out of my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
Transunion has fail to reply within the 30 days pertaining to the inaccurate information place on my credit report please look into this matter And adjust Accordingly Thank you

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 2019-02-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
TransUnion XXXX. XXXX XXXX, XXXX, CA XXXX XXXX XXXX. XXXX XXXX, XXXX, TX XXXX XXXX   XXXX XXXX XXXX, XXXX, GA XXXX Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ALSO THESE INQUIRIES ARE NOT MINE XXXX XXXX XXXX, XXXX Inquiry from XX/XX/XXXX Automobile Dealers, XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX XXXX, XXXX Inquiry from XX/XX/XXXX Automobile Dealers, XXXX XXXX XXXX XXXX Inquiry from  XX/XX/XXXX All Banks XXXX XXXX  Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX XXXX, XXXX XXXX Inquiry from XX/XX/XXXX The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims credit reports, blocking fraudulent information from appearing in victims credit reports Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXX, XXXX XXXX SOC SEC # XXXX DOB XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL 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