BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-18
Company: Revolut Technologies Inc.
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On the XX/XX/, I got a call from an unknown caller saying He was from XXXX XXXX. He told me that someone has tried to use my account details for fraud. He said that he would have to move all my money from XXXX XXXX  to Revolut because my account is under investigation for fraud. He then had me download the Revolut app and sign up which I did. I believed him because he said he was from XXXX XXXX  and he was very convincing. He had me move my money from XXXX savings account into my XXXX current account and then he told me to move some money into the Revolut account ( first i transferred XXXX then he had me transfer another XXXX ( I have uploaded a picture ) Altogether I moved XXXX into the Revolut app account. 
When I realised that the balance in the Revolut account is XXXX and there has been a deduction of XXXX and XXXX and money had gone to a name called XXXX me XXXX XXXX, I realised it was fraud then I called XXXX XXXX  ( my bank ) immediately. Then when the caller realised I had XXXX XXXX  on my land line phone, he cut off the line. 
I contacted XXXX XXXX  and they told me to contact Revolut. I contacted Revolut to help me resolve the issue and they said they are unable to recover my money. They said the transaction is invalid which is unsatisfactory because I did not take the money from the Revolut account. The scammer took the money. The balance in the Revolut account is now XXXX. The money I transferred from my XXXX XXXX  into the Revolut account was taken by scammer. They used the name XXXX me XXXX XXXX. 
I have asked Revolut to recover my money but they said the transaction is invalid which is not true. I believe they can trace where my money has gone to but they are not doing that. 
which is why I am contacting you. Please can you help me look into this issue. 
Please can my money be refunded back to me as soon as possible. I need my money back. I dont have a job, I lost my job, I am unemployed. Please help me recover my money. 
I have also reported the case to the police. Here is my crime reference number : XXXX 

Thank you very much.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-16
Company: Williams & Fudge, Inc
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
This company called me in XXXX of XXXX and claimed that I have a debt for about {$1800.00} for tuition charges from a school I attended years ago ( prior to being married ). I was unaware of the charges and why I was being charged this amount from them and asked if there was a breakdown that I could be sent. The only & last phone call I received regarding this was in XX/XX/XXXX. I did not receive anything from them since. 

Today ( XX/XX/XXXX ) my husband received a phone call regarding the account charges and he was called 23 times BACK TO BACK. Our phone automatically blocked the call as a scam likely but they did notify us that they attempted to call with the time and phone number. My husband called the number and were told that they did not contact him but we have proof that they did. The employee continued to deny the phone calls until my husband ( who is a XXXX XXXXXXXX ) told them he would be filing a harassment report against the company. The employee than admitted to contacting him regarding my own personal account and continued to disclose my own personal information and why they were calling ( without my permission ). 

My husband was not on any of my contact numbers for school back than because I did not know him at the time. we have no idea how they would have gotten his phone number. I know it is illegal for them to disclose any of my personal information to anyone besides me if I don't allow it as well. We would like the company reported for harassment and for disclosing my information without my consent to an uninvolved party. I have attached screen shots of the calls to prove this. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-13
Company: WELLS FARGO & COMPANY
State: GA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
Interest high on the loan

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-15
Company: SYNCHRONY FINANCIAL
State: AZ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have no knowledge of this debt belonging to me. Letters have been written to this company requesting proof of debt owed. The company they are claiming to represent is Synchrony Bank JC Penney. I have not done business with JC PENNEY for over 8 years.

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 2023-09-09
Company: AMERICAN EXPRESS COMPANY
State: OH
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
So here we are again, Harrassing me once again with my account and taking the no preset limit away just as you did in XX/XX/XXXX. Your actions are uncalled for and your company is nothing but a disgrace. Let me tell you that out of all my creditors, I carry the AMEX cards, XXXX cards, XXXX and XXXX and you are the only creditor to ever give me a hard time. No other creditor has ever adjusted my limits. Its harrassment and it needs to stop. If you do not put my account back to no preset limit, i will find cause to sue you in a court of law. You did the same thing to me on my Delta Skymiles card. I used it for a {$38.00} purchase and you took my limit down to {$2100.00}. Do you think its cute that you can bother people like this. Im telling you XXXX XXXX XXXX XXXXXXXX right now, your going to knock this XXXX off. I am also telling you that I AM NOT PAYING YOU {$690.00} ANNUAL FEE TO CARRY A CARD WITH A {$4300.00} LIMIT. It is not happening. If you do not waive the fee for the 2 problems you have caused me in a 6 month period I will purposely default on my credit cards with you and I dare you to send me to collections or attempt to sue me. Just try me. I guarantee you, you will not win. I have so much evidence and proof of you being corrupt, making false statements, defamation of character, making false representations from my credit. You stated in a letter on XXXX that i had to many requests for credit. Again, the only Inquiry i have is from XXXX and due to fall off in XX/XX/XXXX. So there again, another lie. When i contact XXXX they tell me they have no idea where you are getting your information from. Therefore, I am unable to dispute anything because my credit report is completely accurate. I cant dispute inquires when i only have 1. As far as the payments made, you send me a bill with a minimum due on it, I pay that to satisfy that month, again your actions are absurd to treat and act this way to a good paying customer. The reason why people choose to quit paying you is when you start playing games such as this. Your no different then XXXX, XXXX or XXXX. In fact they know how to treat customers- WITH RESPECT. You are a woke, leftist organization with high crime on the inside with employee corruptness.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-28
Company: Carvana Group, LLC
State: NC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Confusing or misleading advertising or marketing

Complaint:
On XX/XX/22 I reached out to Carvana via their website to start the car purchasing process. I was instructed to download their app which I did. One of the first questions for new customers is whether your current vehicle is leased, financed, or owned outright. Carvana does not allow trade ins on leased vehicles which mine is. They did not need to pull my credit which is a hard inquiry to know that they would not be able to complete my request. This information should have been shared with me and this company should have been transparent with these facts as soon as they were given the information regarding my current lease. This was deceptive, and manipulative and I was told everything but the truth outright by this company. 

On XX/XX/22 I contacted Carvana and told them I did not wish to move forward and to void my purchase order. I also contacted XXXX and was told that I would have to reach out to Carvana to have the inquiry removed. I reached out to Carvana and they gave me a void transaction letter but told me that they would not be able to remove this inquiry. This has been a terrible experience that I would not wish on anyone.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-29
Company: LoanCare, LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
LoanCare , LLC did not take care in handling my insurance premium. 

Around XX/XX/21, I received a copy of my homeowner 's premium and annual renewal bill from XXXX. I immediately uploaded a copy for LoanCare using their online portal. It took them a while to get the new premium reflected. The premium was due on XX/XX/21. As we approached the month of XXXX, I called LoanCare to inquire on when they would pay my premium. They assured me they would pay at least 3 weeks prior to the due date. In this case, three weeks prior is XX/XX/21. On XX/XX/21, I called LoanCare to inquire why my premium still had not been paid. According to the online portal, they had no issued a payment to XXXX from my escrow. The lady on the call also confirmed that. At that point, I demanded she issue a check. She agreed. My online portal account reflected a payment for {$1800.00}. Unfortunately, I waited about 2-3 weeks and XXXX had not received the payment. On XX/XX/21, my premium remained unpaid. XXXX said I either need to make payment on my own or face cancellation of my policy. In this case, I had to make my own payment as LoanCare was unable to pay the bill. On XX/XX/21, I call LoanCare to inquire on what happened to my payment. They pretty much explained to me " you happen to fall through the cracks and are an extremely rare exception ''. So they admitted they were guilty for not paying. I was pretty frustrated, so XXXX ( insurance supervisor ) said I could drop my escrow account if I would rather I make timely payments. I filled out the online form per his advice. I submitted the online escrow cancellation form on XX/XX/21. Never received any updates via email. So I called on XX/XX/21 to inquire. They said it was being processed and a decision would be rendered on XX/XX/21. On XX/XX/21, LoanCare made no attempt to call or email me. I called them on that date and the customer service reps along with the supervisor said " they can not tell me what happened '' but a letter is being mailed via XXXX. Agent tried to spin it as the letter would be there in 2-3 days. Letter arrived on XX/XX/21. Letter stated that escrow account would be closed on XX/XX/21. As of XX/XX/21, escrow account remains still open with a balance. I called LoanCare on XX/XX/21 and they said they may start the processing on XX/XX/21, which contradicts the letter sent. In summary, a ) LoanCare does not make timely escrow payments and maintain accurate records of insurance payees b ) LoanCare fails to communicate status of a ticket opened via the online forms c ) LoanCare does not process requests on dates promised.

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 2023-04-05
Company: EQUIFAX, INC.
State: MD
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 NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX, XXXX, XXXX XXXX, XXXX, XXXX  XXXX XXXX XXXX, MD XXXX XX/XX/2022 XXXX XXXX Balance : $ XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$1300.00} XXXX XXXX XXXX Balance : {$160.00} XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 one of my numerous complaints that I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. The account I am disputing does not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. This account is unknown to me. Also, the information you provided on some account is DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some account is a mystery to me. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. 

XXXX 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 non-monetary relief
Consumer complaint received 2023-03-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Transunion is not providing proof of their investigation. 

See attachment.

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 2021-06-29
Company: VW Credit
State: TN
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
To whom it may concern, or XXXX, My father passed away XX/XX/XXXX, age XXXX. All his assets were in a living trust, and or a family trust. One such asset is a XXXX XXXX XXXX that was leased in XXXX of XXXX set to expire approximately XX/XX/XXXX. The lease was paid for by trading in a XXXX XXXX, and a onetime check. Which turned into a second check when downgraded to an XXXX because of XXXX  XXXX. After his death we parked the car and notified the insurance company. They said they would be glad to add me to the policy as soon as the vehicle registration or lease paperwork showed my name. Im successor trustee. First thing we did was to send my husband with a POA to the XXXX County clerks office. He presented the current registration, death certificate, and successor trustee paperwork. The clerk refused to change the registration because both the XXXX XXXX XXXX living trust or XXXX XXXX XXXX '' were on the registration. My husband tried to explain that the or XXXX XXXX XXXX was the trustee designation, but they said no, and wanted paperwork from Audi Finance. 



Audi finance probate division can only be reached through regular mail or Fax XXXX. On XX/XX/XXXX we faxed the death certificate, and successor paperwork. 

They have yet to contact me. I have called in several times. I have had one customer service rep tell me It was necessary for me to get a court order to change trustee designation. The state of Tennessee, and XXXX County do not require a trust to be processed through the courts. So far, Ive dealt with Life insurance, Annuities, banks, Brokerage accounts, and CDs. All have required the same paperwork, and all have complied and reimbursed interest back to my Fathers date of death. He did not spend thousands of dollars with attorneys setting up these trusts just to hire another one for this car. 

The living trust paid for 36 months of use, and Audi Finance has prevented its legal use. This was a time sensitive deal, and the remaining time from my fathers death to the end of the lease adds up to more than a couple thousand dollars. A nephew has shown interest in buying out the lease at the end of the term, but his parents have requested a copy of the contract which we have been unable to find. 

The XXXX  dealer, and or Audi finance have yet to supply us with one. 

XXXX XXXX vin # XXXX Title # XXXX I understand you have limitations from a legal standpoint, but there must be some law, rules or regulations that compelled all the other financial institutions to act in a responsible manner, but Audi Finance seems to be above following said rules. 



Thank you, XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-09
Company: Bread Financial Holdings, Inc.
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
Comenity Bank offered/advertised {$120.00} in promotional Sony Rewards credits upon satisfying the terms after opening their credit card. I opened my card in XXXX of 2022 and satisfied the terms in XXXX of 2022. After having not received any information about the promotional credits, I contacted them in XXXX via electronic message and phone to explain to them the issue, and they stated they had opened a ticket. I contacted them again by phone in XXXX and they were not able to provide me with further information other than sharing that they had escalated the issue. The could not provide me with an estimated date of resolution or when I would receive my promotional credits/rewards. I contacted them again in XXXX and they provided me with no further information. After contacting Sony Rewards, they explained the Comenity Bank had an issue with their system that tracked purchases for the purposes of the promotional credit/rewards and that they were working through it. However, it has been months since I have reached out and I still have no further information. Based on this, I feel as though Comenity Bank used bait and switch tactics by advertising promotional rewards and incentives to open a credit card with them and are now not offering the rewards which they advertised and they seem to be making no good faith efforts to provide said promotions.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-26
Company: EQUIFAX, 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:
This is the second time that I discovered that some of the information on my credit report was incorrect. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-28
Company: Experian Information Solutions Inc.
State: OK
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
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 XXXXXX/XX/XXXX They violated my rights by including inquiries, late payments, charge-offs, write-offs and collections. They violated my right to privacy and they stole my identity.

15 U.S.C 1681c ( a ) ( 4 ) 15 U.S.C 1681c ( a ) ( 5 ) 15 U.S.C 1681a ( 2 ) ( b ) 15 U.S.C 1681a ( 2 ) ( i ) 15 U.S.C 1681 ( a ) ( 4 ) 15 U.S.C 1681b ( a ) ( 2 )

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 2022-02-28
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX Data breach and may have got into the hands of the wrong person.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-11
Company: EQUIFAX, INC.
State: PA
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:
My name XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation