BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-11-05
Company: Aqua Finance, Inc.
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
I filed a complaint about this on XX/XX/21 because I have never gotten a monthly billing statement yet they continue to take money out of my account each month as the payment is due. My responsibility is to make the payment and I am but they arent doing their part by sending a statement. Their original reply to my complaint is that they have been sending statements and its not their fault if the mail causes me to not receive it. 

I just called them today ( XX/XX/21 ) because I still have no statement and spoke to XXXX. He told me that my statements werent toggled on to actually have one sent to me and that he fixed it. But they lied in their first response to my complaint and have violated the fair credit billing act.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-11
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit reporting act, the list of accounts and inquiries below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 : Accounts 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX These have violated my rights. 

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

15 U.S.C. 1681 section 604 A Section 2 states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C. 1681c ( a ) ( 5 ) states no consumer reporting agency may publish any 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 ) states that 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 2021-07-02
Company: Credit Corp Solutions Inc.
State: FL
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
Im XXXX, I purchased a XXXX vehicle that was stolen the insurance paid it off, also the gap insurance cover for the debt. Contacted XXXX several times and no response they said that I owed money even though I receive letters from XXXX credit and my insurance XXXX specifying it was paid off, they sold the so called debt to Credit Corp solutions all my information without my permission or authorization, they send out a post card on XX/XX/XXXX, I called them several times and they never answer my phone call, I just received a letter that i am being sued by them. How is this legit im retired and XXXX men, they got the money paid off, and now they trying to ruin my credit and my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-02
Company: I.C. System, Inc.
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
In XXXX of XXXX, I was lied to about internet service speed received from XXXX XXXX XXXX. Was told that they had the fastest internet speed in the area, but was not true. TV service stayed in buffer mode 95 % of time. Called to cancel service within 30 days and was advised that they do not have a customer guarantee program, but due to false advertisement of their internet speed in my area ( which interfered with my ability to watch TV free and clear of buffering ), I would only have to pay {$90.00} of the bill and they would credit off the rest due to the poor service received. I paid {$90.00} on-line. A few months later, derogatory information appeared on my credit report and I was contacted by a collection agency. I disputed and provided payment information and my credit report was corrected immediately. Now, 2 years later, XXXX XXXX XXXX has hired another Collections company to come after me. I disputed again and the results came back that the debt is valid. I also called XXXXXXXX XXXX XXXX regarding this and was advised that they would get back with me in 7 to 10 days. I am still waiting. The agent advised ( when I called to question the collection activity ) that they do have record of the {$90.00} payment I made with the transaction number. At this point, I am getting the run around and being harassed by XXXX XXXX XXXX about a debt I do not owe.

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 2021-07-02
Company: CNG HOLDINGS INC
State: TN
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:
They have not sent me anything in the mail or any other correspondents to verify a debt which violates my federal rights according to Fair Credit Reporting Act and FDCPA. I want to exercise my right to lawful question the validity of a debt from a company that is not even allowed to collect anything in the State of TN. They are not licensed & bonded as required by State of Tn.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-29
Company: TransferWise Ltd
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
We were trying to send money ( {$2000.00} ) from US to XXXX for medical purpose. XXXXe, Online Money Transferring vendor, on website promised that the money transfer will happen in just XXXX hours if I allow the site to access our Bank Information and that's what I did. Once the information is collected, the ACH debit immediately happened and money went out my account right away and then confirmation message said It's all set and the money will be available after 4 days instead of XXXX hours. We checked at the receiver end and confirmed that it was not received after 4 days. 

After 7 days, I logged into the website just to check what happened and realized that they have not processed yet waiting for me to answer two inappropriate questions to be answered for the transfer to start. I called up the Help Desk with XXXX and the support user promised that this case will be expedited and the person will be sending a confirmation email at the end of the day, which I have not received even after 10 days. That shows failure in providing a satisfied Customer service. 

I made a second call with Help Desk just to realize that my money is still not gone any where. So asked to get the transaction cancelled which will take another XXXX working days. XXXX was at least helpful to send an email confirmation of the discussion that I had. 

So we will lose a total of 14 days on a money transaction and caused delay in the medical treatment for a XXXX patient. 

I have done multiple transactions in the past with other companies, with no issues. I would definitely want XXXX to look into this and provide us a with a good compensation for the poor customer service and a failed transaction service.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I, XXXX XXXX, have communicated to the Credit reporting agencies that a collection account they are reporting has been paid in full. I have attached the Release letter from XXXX. The following account is to be removed from my credit report within 14 days : XXXX, XXXX ( Original Creditor : 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 2023-01-23
Company: MIDFIRST BANK
State: LA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I was told that I was appointed for a loan but instead of moving coming on my card XXXX came off

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 2023-02-16
Company: ENCORE CAPITAL GROUP INC.
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
The original debt was from an old Capital One Credit Card Account. XXXX XXXX XXXX XXXX was not the original credit card company nor were they represented as a collections agent for Capital One, even though they say they are. Capital One confirmed that XXXX XXXX management is not the debt collector on this account. XXXX XXXX purchased this debt from Capital one and then sued me saying that I owed the money, even though I did not have any credit or an account with them. 
I went to court and explained the situation but the court said that even though they aren't the creditor and are not the collection agency for Capital One, hey have the right to sue me anyway. 
This was on XX/XX/2021. 
I have paperwork that shows that the amount that the court decided that I owe is {$2000.00} which is the amount that I owed Capital One. I have legal paperwork from the court that is notarized by the courts, which shows this amount. 
XXXX XXXX XXXX insists that I owe them {$2700.00} and that they are not honoring the agreement because no such agreement exists. They claim that the court awarded them {$2700.00}, even though the notarized paperwork says {$2000.00}. 
They are fraudulently trying to get me to pay more than I owe, and are constantly harassing me and threatening to sue me again for even more money plus court fees. They even hired the XXXX XXXX XXXX XXXX Department to serve me paperwork stating that I need to list all my assets that the XXXX XXXX Department would confiscate and surrender to XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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 strongly desire not to have this appear on my credit report. I earnestly implore you ; this does not belong to me ; it is a clear case of fraud. Please take appropriate action regarding these inaccurate accounts.

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 2022-04-29
Company: Experian Information Solutions Inc.
State: TN
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:
I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.

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 2021-11-16
Company: Receivables Performance Management, LLC
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have no knowledge of this debt, and can not resolve the issue with the company directly so here I am. 


Receivables Performance Reported a collection on my credit account that I have no knowledge of. 


I have requested that receivable performance 1. Indicate when and where the alleged debt originated with the original creditor, when the alleged debt initially went into delinquency, and the complete payment history, the requirement of which has been established via Spears v Brennan 745 N.E.2d 862 ; 2001 Ind. App. LEXIS 509 2. Evidence proof of the alleged debt, including specifically the alleged contract or other instrument bearing my signature 3. Letter of sale or assignment from the original creditor to your company. ( Agreement with your client that grants you the authority to collect on this alleged debt. ) Coppola v. Arrow Financial Services, 302CV577, 2002 WL 32173704 ( D.Conn., Oct. 29, 2002 ) states information relating to the purchase of a bad debt is not proprietary or burdensome. Include the source of this alleged debt, the amount paid for the alleged debt, and how the amount sought in collection was calculated 4. Intimate knowledge of the creation of the alleged debt by you, the collection agency 5. Proof of the alleged debt acquired from the original creditor, as mandated by the FDCPA 809 ( B } As stated in the FDCPA 809 ( B }, you are not allowed to pursue collection activity until the debt is validated. You should be made aware that in TWYLA BOATLEY, Plaintiff, vs. DIEM CORPORATION, No. CIV 03-0762 UNITED STATES DISTRICT COURT FOR THE DISTRICT OF ARIZONA, 2004, the courts ruled that reporting a collection account to the credit reporting agencies constitutes collection activity.

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 2021-09-13
Company: WELLS FARGO & COMPANY
State: UT
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
As of XX/XX/2021 my father passed of XXXX XXXX while visiting XXXX. I am the executor for his annuity account and all of his financial affairs. I contacted Wells Fargo Bank on or about XX/XX/2021 to have the funds from his annuity account disbursed to his surviving children. I have filled out forms, faxed paperwork, met with personal bankers, etc. I was told that the funds would be disbursed to me by XX/XX/2021. After dozens of phone calls, multiple appointments Wells Fargo informed me that on XX/XX/2021 they had sent the paperwork to the liquidation department aka XXXX XXXX XXXX XXXX XXXX XXXX XXXX and that the funds would be processed and disbursed with 10-15 days. This was the fourth or fifth time that Wells Fargo promised a disbursement to no avail. Within two weeks I followed up with Wells Fargo who said I was missing paperwork. I have scanned and sent them a report of death from a foreign country ( issued by the U.S. State Department ), paper from the court assigning me as executor, and a permanent visa. They are now asking for airline tickets, passport, an obituary, and a questionnaire that needs to be completed XXXX XXXX XXXX. They didnt send the questionnaire, they are unwilling to accept the documents that I have sent them multiple times and almost 120 days after beginning this process I have not yet received this disbursement for myself and my siblings. The documents that were sent to them both via fax and email- have been accepted by OPM ( Office of Personnel Management for federal employees ) the Social Security data system, the military system since my father was a veteran. They are still claiming these are not legal documents as well.

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 2023-02-23
Company: EQUIFAX, INC.
State: PA
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:
I declare under penalty of perjury ( under the laws of the United States, If executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18U.S.C1001.Additionally, these misstatements are punishable as perjury under 18 U.S.C 1621. This collection found within my credit report is not related to any transaction that I made. I am alleging that a person or company -without my authorization -used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All are being investigated by the FTC Also Known As : XXXX, XXXX, XXXX Previous Address ( es ) : XXXXXXXX XXXX XXXX  XXXX, PA XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, PA XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XX/XX/XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Opening an account
Sub-issue: Confusing or missing disclosures

Complaint:
On XX/XX/XXXX2019 I picked up a bank of America letter/ package that was a response to the cfpb complaint I submitted. The package/did not have a bank of America letter of response to my cfpb complaint as stated to the cfpb that they were not going to send it thru the cfpb due to privacy issues BUT IT DID ENCLOSE the attached information letter regarding a insurance policy thru XXXX XXXX XXXX XXXX XXXX Main street FOR XXXX and XXXX XXXX XXXX NC It stated special homeowners policy. 
So here is my response attached that would not go thru dated XX/XX/XXXX2019 to bank of America screenshots of what I wrote. 
This again is combining my personal info with other unauthorized persons by Bank Of America. I request a response from Bank of America regulatory XXXX XXXX XXXX XXXX XXXX to explain to me why they would do this to me again. I am also making a monetary award of XXXX milkion dollars under the Gramm Bliley act of 1999 for Bank Of Americas failure to protect both my monies and my personal information. I reserve my legal rights in this matter. 
XXXX XXXX XX/XX/XXXX 2019 2019

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 2023-10-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts. I am never been late on this account.

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 2021-07-02
Company: EQUIFAX, INC.
State: GA
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:
XXXX XXXX XXXX Opened XX/XX/2021 {$130.00} Original creditor : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Opened XX/XX/2021 {$77.00} Original creditor : XXXX XXXX XXXX XXXX There are no valid claims ... accounts were settled with original creditors and has been confirmed, grave errorsfalse claims and reportingRe-inserted without notification, F.C.R.A. violation. I want these accounts removed immediately or litigation may follow. Debts can not be reported incorrectlythis is unlawfulDebts can not be collected twice Yet again, you continue to report this and failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested. Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they " verified '' without providing any proof, bearing my signature. 
As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification.I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount.Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed items are inaccurate and incomplete and represents a very serious error in your reporting. 
I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General 's office, should you continue in your non-compliance of federal laws under the Fair Debt Collection Practices Act, the Fair Credit Reporting Act, and the corresponding local state laws. I further remind you that you may be liable for your willful non-compliance. Failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature will result in a small claims action against your company. I will be seeking a minimum of {$1000.00} in damages per violation

Company response to consumer: Closed with explanation