BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-14
Company: Resurgent Capital Services L.P.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
My husband and I PCSd from XXXX to North Carolina in XX/XX/XXXX. We were both XXXX XXXX military at this point. I could not get a decent internet provider at our rental location so I called XXXX and asked if there internet was compatible with high speed streaming, playing video games etc. They said yes, so I proceeded with their service. Once we got service started up there was constant outages and very very slow speeds. I called and they told me I was on a plan that had a high speed data cap and after I used the high speed data we went to slower speeds. I was not aware of this when I signed the agreement and the internet was not compatible with video gaming as well. I called multiple times and after about XXXX months I decided to cancel service because my husband had got orders to skill bridge and we would be moving closer to my duty station. We moved shortly after and internet was provided through our rental agreement at our new location so we couldnt transfer our plan either. Sometime in the beginning of XXXX trueaccord, a debt collection agency, reached out stating I had a debt of {$480.00} and some change. I cant recall the exact number. I disputed the debt and never heard back. They are charging XXXX for not returning the equipment, and the rest is a charge for every month left on the contract. We have now PCSd to Florida and Resurgent, another debt collector, is now trying to collect on the debt. They reached out approximately in XXXX of XXXX. I have disputed it by sending proof of my husbands military orders, along with an XXXX XXXX memorandum for proof of my service and told them we are covered by XXXX and they will not dispute it. They constantly have issues finding my account. They argue with me saying XXXX only covers student loan interest rates. I have had someone from military legal reach out on my behalf and explain but now theyre saying they can not find any of the documentation I have sent in. I also returned the XXXX equipment through the box the equipment was sent to us in shortly after canceling service. Theyre requesting proof that we went it in but this has been two years ago so I dont have any type of documentation for that proof. I called XXXX months ago requesting my contract and they would not provide it to me. They sent me to viasat legal where they had an overall page of legal documents. I called again last week and after asking to speak to someone else they said they could send my contract to me in XXXX business days. I got my contract emailed to me XXXX business days later and have sent it to my lawyer for them to look over. I truly appreciate any help you can provide.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-09
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Confusing or misleading advertising or marketing

Complaint:
Experian markets their Experian XXXX feature to improve your FICO score. They say you can use streaming services as a metric for increasing credit scores. I have been paying XXXX premium since XX/XX/2018. They say they can't find a service to attach from my connected bank account to use to increase my score. This is false advertising and deceptive business practices. I also paid for the enhanced membership. This is just a gimmick to defraud XXXX and XXXX communities who are already marginalized in the area of credit reporting.

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 2023-01-31
Company: Experian Information Solutions Inc.
State: CA
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 is my 2ND Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are require to remove/block any items which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information are not relating to any transaction by the consumer XXXX XXXX XXXX XXXXXXXX Balance - ; XXXX XXXXXXXX Balance - ; XXXX XXXX  Balance {$320.00} ; XXXX XXXXXXXX XXXX XXXX Balance {$0.00} ; XXXX XXXX XXXX Balance XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance XXXX {$0.00} ; EXXXX XXXX XXXX Balance : {$0.00} ; Bankruptcy XXXX XXXXdismissed Filed on XXXX XXXX XXXX Reference number XXXX XXXX ; XXXX XXXX  : Bankruptcy Date Filed XXXX XXXX XXXX Reference Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  CA XXXX XXXX XXXX XXXX XXXX XXXX  XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX NXXXX XXXX  Inquired on XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX Inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX  Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX 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 2023-05-08
Company: Stuart-Lippman and Associates, Inc
State: NC
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XX/XX/XXXX I refinanced my auto loan through XXXX XXXX XXXX in XXXX, NC. My previous auto loan servicer was XXXX XXXX XXXX. I decided to refinance with a different lender based on my credit ratings and to get a better interest rate. The refinance was done over the phone and via e-mail with the payment being deducted from my account weekly in the amount of {$95.00}. On XX/XX/XXXX my daughter had an accident in my vehicle which resulted in a total loss of the vehicle. I didnt find out until the day of the accident that I didnt have full coverage on my XXXX XXXX XXXX XXXX I was insured by XXXX XXXX with full coverage on my vehicle up until XX/XX/XXXX. The coverage was dropped & changed to just having liability on the vehicle due to my driving history. Not realizing that this had happened since my payments were on auto pay. I decided to refinance my vehicle with XXXX XXXX XXXX 6 months later since they were offering a refinance special for their members. After the accident I contacted XXXX XXXX XXXX and spoke to the loan officer about my options going forward. I called XXXX XXXX and they insured me that there was nothing that could be done on their behalf and to call my lender to see if they had a force placed policy on my vehicle. The loan officer stated that they didnt have any insurance of that type on my vehicle. At this point my only option was to surrender the vehicle because it wasnt drivable. I called and they had a tow truck to come out and pick up the vehicle and I had to stop payments on my account after I no longer had the vehicle. On XX/XX/XXXX I received an email from the loan officer about the final details on the auto loan. It stated that the car sold for {$3700.00} and their XXXX insurance paid {$10000.00} and it left a balance of {$810.00} on the loan and was asked would I like to setup a payment plan to get it paid off and that we could do {$25.00} a week. My ending balance on my auto loan was {$14000.00}. Two weeks after I no longer had possession of the vehicle. In XX/XX/XXXX I received a hit on my credit report for a collection added in the amount of {$11000.00} from a collection agency XXXX XXXX and XXXX. After finding out that it was XXXX XXXX XXXX that sent my account to collections Ive tried contacting them to see why my account was in collections for an amount that was different than what was discussed. From the 1st day that I signed this contract I was in breach and I was never notified about not having the proper insurance and that I had a force placed policy on my auto loan. I feel like Im having to suffer from the lenders carelessness with my auto loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-09
Company: WELLS FARGO & COMPANY
State: MN
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
My estranged spouse and I XXXX XXXX XXXX XXXX and had a joint business account with Wells Fargo. We both went in to the branch together and set up the account, we are both owners of the business. 

After he had to leave the home due to XXXX XXXX issues he went into the branch, the banker removed me from our account without my knowledge or permission. I am not only off of my business account, I am not even a customer at the bank now. I can not even access any banking records from before I was removed without consent. My husband is now in full control of the business finances, and not paying taxes. I have been completely destroyed by this and my credit and future are in serious danger, I am getting letters from the state and IRS and have no way to even begin to deal with the tax issue because I cant access any records. He was also allowed to open up a new account where I believe he hides the business income. 

I have made contact with several people at Wells Fargo and they all seem to know how bad this mistake has been and just seem to pass it along until they have now stopped returning my calls.

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 2023-06-22
Company: WELLS FARGO & COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
This is regarding a complaint I have submitted before this XXXX and this is the complaint ID : XXXX I was told that the company which is Wells Fargo XXXX XXXX working to resolve my issue which is absolutely not true. 

Wells Fargo representative called and told me that they cant see to fix or help with my case and he hang out immediately not letting me explain or even see whats going on. 

My issue was back in XX/XX/2022 my parents bought me an XXXX  and XXXX  XXXX from XXXX XXXX and charge was XXXX total and they used my caro to do so. At the same month I returned the items because I didn't like them and I wanted to use the money to treat mom and dad for vecation. Mom returned my items and XXXX XXXX employees told her you should get your money with in couple of days. It was on Friday so weekend make it take longer than usual. Couple of days passed and still I havnt received my money. 
Contacted XXXX XXXX and told me oh there was an error, please contact your bank and see what's going on. I contacted wells. Wells Fargo messed my accounts, first they did it under fraud. Then they changed it a month later to dispute then back to fraud then back to dispute. It's been XXXX  months and I got a letter saying my dispute is denied. I been a customer for over 20 years. 
Never ever had a bad experience like this. I want my money back and I don't know what to do. 
Wells Fargo not helping, XXXX XXXX saying contact your bank and my bank telling me to contact XXXX XXXX Please help me out

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 2022-08-15
Company: PENTAGON FEDERAL CREDIT UNION
State: MN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
Someone fraudulently Opened Line of Credit Account on mane that worth of {$500.00}, Checking and Saving Account. The Bank name is XXXX XXXX XXXX this Account was opened XX/XX/2022, the Bank Address and phone number is. 
XXXX XXXX XXXX XXXX, VA XXXX ( XXXX ) XXXX I already called pentagon Federal credit union and they said they will close the Accounts and the Accounts are still Open.

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 2023-05-17
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: Reporting company used your report improperly

Complaint:
In accordance with Fair Credit Reporting Act, XXXX  Account XXXX XXXX  XXXX XXXX account number # XXXX ( {$1500.00} ), Has violated my rights. 
15 U.S.C. 1681 section 602 ( a ) : states I have a right to privacy.

15 U.S.C. 1681 section 604 ( a ) 2 : states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
This is the 3rd time I request that they report the account with a XXXX  balance.

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 2021-08-24
Company: Freedom Mortgage Company
State: GA
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
I BECAME XXXX IN XX/XX/2019 AND ENDED UP IN A VA XXXX AND THEN A VA XXXX XXXX. UPON, MY RELEASE FROM XXXX, I CONTACTED MY MORTGAGE COMPANY ( FREEDOM MORTGAGE ) ; TO INQUIRE ABOUT A LOAN MODIFICATION, DUE TO MISSING A FEW PAYMENTS. I WAS SENT THE INFORMATION TO FILL OUT AND RETURN, WHICH I DID. I HAVE BEEN TRYING FOR 2 YEARS ALMOST FOR THE LOAN MODIFICATION. I HAVE COMPLETED SEVERAL PACKAGES DUE TO FREEDOM MORTGAGE CLAIMING A DOCUMENT IS ALWAYS MISSING OR SEVERAL ARE MISSING. I FINALLY GOT THEM TO ACCEPT A PACKAGE ONLY TO BE TOLD THAT ONE OF THE FORMS FOR ME TO SIGN XXXX OBSOLETE. THEY SENT ANOTHER FORM TO SIGN AND I EMAILED IT TO FREEDOM MORTGAGE. WHEN I CHECKED ON THE STATUS BECAUSE I HADN'T HEARD FROM FREEDOM MORTGAGE ; I WAS TOLD THE EMAIL WAS RECIEVED IN XXXX, BUT THEY COULDN'T READ IT. SO, I REPLIED WHEN WAS SOMEONE GOING TO CONTACT ME AND THEN I WAS TOLD THAT I WOULD HAVE TO START A COMPLETELY NEW APPLICATIOON. THIS MATTER HAS BE STRESSFUL AND VERY DISCOURAGING. FOR 2 YEARS I HAVE BEEN CHARGED LATE FEES AND INTEREST ON THE LATE PAYMENTS. IT HAS WENT FROM A LITTTLE TO A LOT OF MONEY. I FEEL, THAT I AM BEING DISCRIMINATED AGAINST, DUE TO MY XXXX ( XXXX MAN AND BEING A XXXX XXXX VETERAN ). " I KNOW I AM NOT THE ONLY TO GO THROUGH THIS. I KNOW I WON'T BE THE LAST TO GO THROUGH THIS, BUT AT LEAST I WANT ELSE TO UNDERSTAND THAT THIS IS UNFAIR AND THIS IS NOT RIGHT. JUST 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 2023-09-14
Company: Resurgent Capital Services L.P.
State: OH
Product: Credit reporting 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 have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715,719, I presume that no proof of alleged debt, nor therefore any such debt, in fact therefore exists. I asked this company to dispute this unauthorized information off my credit report. Ive asked for verification that its my debt and they cant provide proof because it is not mine. I am a victim of identity theft. Ive filed police reports and sent my proof in and this is still on my credit unauthorized. It has to be removed by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-24
Company: Block, Inc.
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble closing card

Complaint:
I lost my cash app card and had an available balance of over {$400.00} on it. Cash app refuses to give Me access to my funds because I dont know the card number ( even though its lost so I dont have it ) I have verified my name, email address, home address and phone number attached. I even was able to provide a multi authentication code that was sent to my phone number. I was advised to create a new cash app account and they would be able to transfer the funds from the old account to the new account, however after doing so they say they are unable to. There has been purchases made on the account since the card has been lost but cash app refuses to send me a new card, or close the account or even suspend it to prevent additional purchases being made on the card. I have been calling since XX/XX/2022. They refuse to let me speak to a manager to try and resolve and at the end of each call I am advised to call back and speak with the next agent. This is now 5 months and I am unable to get my funds from cashapp My old cash app account that has the funds in it is XXXX XXXXXXXX the phone number associated with it is XXXX the new account is XXXX XXXXXXXX with the email associated XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-17
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX  # XXXX XXXX, VA XXXX XX/XX/1987 XXXX Equifax XXXX XXXX XXXX XXXX TX XXXX To whom it may concern : I am writing to you because you are reporting collections on my credit report that I do not recall. Please see items listed below : XXXX {$590.00} XXXX XXXX XXXX {$630.00} XXXX XXXX XXXX {$200.00} XXXX XXXX {$290.00} Please forward me any documentation providing proof I applied for credit with this creditor. If you can not provide such documentation, then please remove this inquiry from my credit file immediately. 


XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-08
Company: HYUNDAI CAPITAL AMERICA
State: OR
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
I financed a vehicle with Hyundai Motor Finance ( HMF ) at 0 % interest. I have since moved states and my new state requires I re-title the vehicle in my new state before I can register it. I first attempted to follow HMF 's directions online to upload a request for XXXX XXXX to title in a new state in XXXX. After several days of delays, they updated the online status to say the XXXX address was invalid ( it was not, but it is a newer DMV office ) and that they needed a completed Title Application. I completed that and uploaded it on XX/XX/XXXX. The status changed to " Pending '' with no additional notes or information. I finally called on XX/XX/XXXX after not hearing anything from HMF, and was advised they needed me to mail the physical copy ( despite this not previously being a requirement ). Considering this information was never relayed to me, I asked for a supervisor for further clarification and why two and a half weeks had passed and he said HMF asks all customers to call them for a status. This is not stated anywhere despite his insisting that it is always requested. This is exactly what they display online : " We are processing your state title transfer. Please reference the status tracker and checklists below to stay up to date on where we are in the process. Expected timeframes can vary. Please allow 6-8 weeks for the process to be completed. For more information please visit our FAQ section. " At this point it feels like they are purposely delaying assisting me with my state title transfer in hopes that I'll pay off my 0 % loan so I can get my title and register my vehicle.

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 2022-05-21
Company: CITIBANK, N.A.
State: MD
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
On XX/XX/2022 I received a text from Citibank as follows Did you make a wire transfer for XXXX from acct ending XXXX on XXXX? Yes=1, No=2 or call XXXX. Reply STOP to Opt-Out I called the number as soon as I read the text. I spoke to someone named XXXX XXXX who said the money was already transferred and there was nothing she could do. She gave me the number to the fraud department. I asked if she could tell me what bank the money was transferred to. She told me the money went to a XXXX XXXX XXXX  account # XXXX in the name of XXXX XXXX. I told her I didnt know anyone by that name. She gave me a claim number XXXX and told me I needed to go to my Citibank branch at XXXX XXXX XXXX to file an affidavit of forgery. I filed the affidavit of forgery as I was instructed to and expected that my funds would be returned to me but instead, I got a letter of denial stating the decision was based on You did not take adequate steps to safeguard your account information and directly contributed to allowing the transaction ( s ) in question to take place After this initial denial, I filed 2 more claims and got the same response. At this time, I simply want my funds returned to me. I have worked hard over the years to save this money and now it was all just taken from me and I now have to wonder about my bills and other commitments being paid this emergency fund just vanished because they did not protect my funds ; no one called me when such a large transfer was initiated from my account. Of note, on XX/XX/XXXX there was an attempt to transfer XXXX from my account and that transaction was aborted since I didnt verify information that was requested on the phone when someone called saying they were calling from Citibank . I called the Fraud Department today XX/XX/XXXX and the person with whom i started a conversation hung up the phone on me. I have been to the branch several times and no one has done anything to return my money to me. It is almost impossible to speak to a live fraud investigator. I have gone to the police but I was told this is not a matter they can investigate. I need your help to get my money returned to me. I have worked many years laboring hard to earn and save this money.

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