BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-27
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: CA
Product: Debt collection
Sub-product: Rental debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/XXXX I received an email stating they are trying to collect on a debt I owe to my former landlord. 

i gave them a call on Friday XX/XX/XXXX letting them know that I do not owe any debt and asked them to validate the debt. I also let them know that my landlord and I settled this debt as part of our settlement agreement to resolve the unlawful detainer case they filed in court and that there was a clause in the agreement that was a general lease, releasing both parties I was initially faced with an illegal eviction attempt by XXXX XXXX. Realizing that my relationship with the landlord had become toxic, I decided it was in my best interest to leave the property. After some negotiations, we both entered into a settlement agreement in late XXXX. The terms of this agreement required me to move out by a certain date, in exchange for the cancellation of debt I owed due to XXXX back rent. The agreement also included other promises, like conduct in public forums and a mutual release clause. I fully complied with this agreement by XXXX, a fact confirmed by an email from XXXX XXXX, XXXX XXXXXXXX XXXX attorney, dated XX/XX/XXXX. 

Several months later, XXXX XXXX approached me, demanding payment for a supposed debt that had already been considered and released during our settlement agreement. This isn't just a breach of our agreement; it also constitutes harassment and retaliation. After I refuse to pay the amount, they demanded the matter was forwarded to a debt collection agency that contacted me on XX/XX/XXXX. On XX/XX/XXXX I called them and asked them to validate the debt. I also let them know that the debt that they are trying to collect on has already been settled and let them know that I will provide them documentation. I never received any validation of the debt from them, and I provided them a copy of the settlement agreement in addition to recounting the story to them about the timeline of event, and I never heard back from them. I noticed on XX/XX/XXXX that my credit report showed a debt account in collections by debt collection agency and they reported my debt to a collection agency. I have tried to reach out to the debt collection agency to speak to them about this matter, and they have refused to speak to me, stating that I have some attorney representing me, which is not the case, and they refused to speak to me at all about the matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Received notification from all three bureaus that my car payment was 30 days late for XX/XX/2023 when we are currently in XXXX and the payment is not due until XXXX XXXX. They have also reported me 30 days late for XXXX even though they received the payment on the XXXX day and not XXXX in which they continue to break the Credit reporting law that 30 days not XXXX. 

Many customers are having this issue with this company as they are violating. They are reporting my account XXXX days late and it is incorrect and both XXXX XXXX AND XXXX, XXXX, TRANSUNION IS REFUSING TO CORRECT THE ISSUE. 

DUE TO THE NATURAL DISASTER IN FLORIDA AND MY BUSINESS CLOSED I CALLED XXXX IN WHCIH A REP STATES I COULD NOT GET A PAYMENT EXTENSION AND I HAVE UNTIL THE XXXX OF THE MONTH TO PAY AND NOT GO ON MY CREDIT AND I PAID THE XXXX. 

PLEASE READ ALL THE COMPLAINTS AS THEY ARE DOING THIS TO THOUSANDS OF PEOPLE AND THEY ARE WRITING THAT THEY REPORT 29 DAYS WHICH IS ILLEGAL.

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 2020-01-14
Company: Bridgecrest Acceptance Corporation
State: LA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem while selling or giving up the vehicle

Complaint:
On XX/XX/XXXX, I traded in a XXXX XXXX XXXX for a XXXX XXXX XXXX XXXX. I gave the dealership the pay off information for the XXXX XXXX XXXX with the company 's name which is Bridgecrest. When I was first contacted by Bridgecrest, I informed them the vehicle was traded in and it was in the hands of XXXX XXXX XXXX. I was asked by the caller if they were going to pay the vehicle off and I said yes they were. Then they pulled up my account and indeed saw a pay off request was done on the very day of the trade in. They also told me they would document the pay off date which was at the time good through XX/XX/XXXX. On XX/XX/XXXX, I was contacted again about payment and once again I told them the vehicle was traded in. As the caller went through my account, she indicated that XXXX XXXX did in fact contact them because they were sending them the pay off and the new pay off was good until XX/XX/XXXX. All I could tell them was ok but I no longer have the vehicle and if XXXX XXXX contacted you and told you they had the vehicle and they were paying it off, why call me? I was told I will still continue to receive phone calls until the pay off check was received. At this point, this is indeed harassment and it is illegal to harass someone after you were told and it's documented in the account that XXXX XXXX has the vehicle and they are sending you and pay off. Everyday, Bridgecrest continues to call and harass me and every single time, they indicate the vehicle is in the possession of XXXX XXXX and they are waiting for the pay off check but they have to continue to call me. No, you do not need to call me if the dealership told you they were paying it off and they are the ones in possession of this vehicle. I will be looking into speaking with an attorney regarding this harassment.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-15
Company: EQUIFAX, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
I, XXXX XXXX XXXX, am action on my own behalf and HAVE NOT hired a third party to settle this dispute. This dispute was not done in error.

Let this be known to all that I am, the consumer in fact, natural person, original creditor, lender, executor, administrator, holder in due course for any and all derivatives thereof for the surname/given name XXXX, XXXX XXXX XXXX and I have been appointed and accept being the executor both public and private for all matters proceeding, and I hereby claim that I will d/b/a XXXX XXXX XXXX and autograph as the agent , attorney in fact, so be it ; Whereas, I of age, of majority, give this herein notice to all, I make solemn oath to the one and only most high of creation only, whoever that may be, and I depose the following facts, so be it, and Fact, the Truth in Lending Act protects the natural person against inaccurate and unfair credit billing and credit card practices. Fact, the Truth In Lending Act Congress finds that economic stabilization would be enhanced and the competition among the various financial institutions and other firms engaged in the extension of consumer credit would be strengthened by the informed use of credit. The informed use of credit results from an awareness of the cost thereof by consumers. It is the purpose, to assure a meaningful disclosure of credit terms so that the consumer will be able to compare more readily the various credit terms available to him and avoid the uninformed use of credit, and to protect the consumer against inaccurate and unfair credit billing and credit card practices. Notice, it is a fact, affiant is aware, 15 U.S.Code 1637 ( b ) ( 2 ) ( A ) refers to a request to resolve a billing error, by providing all documentary evidence for clarification of who funded the account. Until that request is done XXXX XXXX can not report late payments in accordance with regulations of the Bureau,12 CFR 1026.13 ( d ) ( 3 ). If XXXX  XXXX reports late payments without meeting the requirements under 15 U.S.Code 1637 ( b ) this is a violation of 15 U.S.Code 1666b and all late payments reported associated with the account numbers XXXX Thank you, I swear to all information provided herein, I do so under the penalty of perjury that the information I affirm to be true, correct, accurate to my ability and knowledge, so be it ; I do not accept this offer to contract. I do not consent to these proceedings. I do not require subrogation of the bond to settle the charge.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-15
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/2022 I filed a claim with Wells Fargo, detailing every transaction that was unauthorized. The total amount for the claim totaled {$3100.00}. 
I explained to re representative that I spoke to over the phone, while filing my claim that I left my wallet in a different city and did not have access to my card during the time of the transactions I reported. 

I called back after the claim was filed to verify the amount was correct on the claim and the XXXX phone representative informed me the claim was only filed for a little over {$1000.00}. I asked her to correct it and she said she was not able to do anything to help. 

I called a third time on XX/XX/2022 and the XXXX representative said they can help me fix the mistake the XXXX representative made while filing the claim. They started a new claim including all the unauthorized transactions. 

On XX/XX/2022 I was informed by Wells Fargo that my claim was denied. So I filed my first report on CFPB. On XX/XX/2022 I received an email from XXXXXXXX XXXX  XXXX Complaints Management office at Wells Fargo executive office acknowledging my CFPB complaint. I spoke to XXXX XXXX on the phone about Wells Fargos decision to deny my fraud claim and she advised me to take legal action against the person who used my card without authorization and take them to small claims court. 

I believe Wells Fargo isnt protecting my money I trusted them with in my account and they handled the claims process very poorly and had multiple errors on their end. I believe I wouldve been able to catch some of these unauthorized transactions sooner if it didnt take days after they money was taken out of my account for Wells Fargo to update my account online. The unauthorized transactions were out of pattern with my regular spending habits on this account and I didnt receive any calls from Wells Fargo calling to verify any of these fraudulent transactions.

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 2023-10-28
Company: Block, Inc.
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Confusing or missing disclosures

Complaint:
**Copy the message to reply to the customer and insult the customer at will.XXXX 1. The account is registered ( deactivated ) in XXXX, and the payment terms of XXXX are applicable. Square binds customers to its XX/XX/XXXX updated payment terms. 
2. Your email customer promises to review and release within 90-120 days. You broke the contract without any results. 
3. The account did not trigger the 12 items you mentioned ( no customer refunds or disputes occurred ) 4. The account was delayed for 2 years. You did not contact the customer to propose a solution midway and deliberately delayed the process. Instead, after complaining to XXXX XXXX XXXX, it will be " permanently retained '' and based on your company 's payment terms XXXX ( it does not indicate that you have this authority ) ( or trigger Article 12 ) ) Summary : Square Company complained that the manager abused the terms, breached the contract at will, bullied consumers, and deducted customer funds at will. It is hoped that the relevant financial departments will intervene to investigate Square.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-15
Company: Cascade CISS Holdings, LLC
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I sent a letter to a company called XACTUS which is located at XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX. I have received a letter back stating that XXXX other parties issued the inquiry but those parties are not listed on my credit report in which XACTUS got the inquiry. ( the letter is attached to the document. ) I also explain to show validation of authorization with their response and didn't do so which in this case they should delete this inquiry which wasn't authorized by myself. ( the letter is attached to the document. ). 
XACTUS actually admits to getting this so call inquiry from third parties which are XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX and not an inquiry they obtain or authorized. 
I really hope you help me with this matter which has been undermined by XACTUS by using excuses to justify their cause. hope to hear from you soon, thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-30
Company: Coinbase, Inc.
State: AK
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I was victim of a scam via XXXX XXXX XXXX XXXX platform which stole the money and did not invest money as promised. I am trying to resolve this via Coinbase since much of the funds were sent through this platform and digital currency claims to be transparent.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-04
Company: EQUIFAX, INC.
State: NY
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:
the details are in the letter already please have time to review it cause i took time writing it as well. and i lost my SS card so i wasn't able to send you a copy of it but i ordered a new one as well it just may take time to arrived

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
It is not going on 90+ days since I have opened a dispute with Transunion , XXXX , XXXX  XXXX. 

I demand that these agencies deletes these negative and fraudulent tradelines from my credit profile. This has gone on for far too long. 

I had a CFPB complaint submitted on XX/XX/XXXX, and here we are 30+ days later and there still has been no change or updated to my consumer credit profile. 

Previous disputes : 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 2022-11-15
Company: WELLS FARGO & COMPANY
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
Wells Fargo has engaged in discriminatory practices by age, disability & financial status disallowing everyday checking accounts deposited and funded online with a XXXX check - Company has requested my personal information when they already could have dealt with the response- They have repeatedly sent physical mailings demanding I come into a branch! 


Some of us are antisocial and don't like having to talk to someone over the phone or in a branch. 

Stop this behavior & reflect on your autographs

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 2019-05-02
Company: Continental Finance Company, LLC
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I called yesterday to try to make a payment in full which is {$280.00}. But I have a recurring payment every month which is {$50.00}. So I called the customer service of the build company today to make sure they wont double charge my bank account. I found out the payment of {$280.00} didnt go through. They told me to call my bank which is XXXX XXXX XXXX. And I did. The bank said they didnt see any attemp or transactions from the build card company. So I called back n asked to speak to the supervisor. The supervisor said she cant collect the money either told me to call my bank. I already close the build card account, but today is the due day. If I dont pay it in full today, I will end up paying the interest tomorrow. This is is why I spent my day calling back n forth n still cant make the payment in ful. Funny, the customer service told me my recurring payment of {$50.00} dollars is going through tonight, but I cant make my payment in full. So I guess, the build card company just want me to keep on paying the interest every month instead of paying in full. It wastes my time of the day talking on the phone back and forth and still cant solve my problems.

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: Experian Information Solutions Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2022-02-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I, XXXX XXXX, am a victim of identity theft and attached below is my FTC Identity Theft Report. I fully authorize this notice and compliance. I have also mailed all respective CRAs my identity theft affidavit. I have never authorized or gave express written consent to any 3rd party affiliate CRA to furnish my data with the following companies, please be aware, no consent, is identity theft : Bankruptcy XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXI Late Payments from 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 2020-01-14
Company: Santander Consumer USA Holdings Inc.
State: NJ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I have paid this vehicle off in XXXX of 2019. They never applied my payment even though the copy of XXXX XXXX check was sent to them via fax, email, and certified mail. I was told by multiple agents, the last being XXXX in the executive office that it was received. They have constantly put my phone number on a do not call list when I never asked for that. I am doing all the calling. When I leave a message I leave a phone number and the best time to call as I can not have my phone on at work. They totally disregard my request for answers, then say they didnt receive information and assign my car for repossession. They have even changed my address for to unknown address even though I have lived in the same place for 10 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-27
Company: Experian Information Solutions Inc.
State: FL
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:
In accordance with the credit reporting act this creditor has violated my rights. Under 15Usc1681 sec 602 states I have the rights to privacy, 15usc1681 sec 604a sec 2 a consumer reporting agency can not furnish an account without my written instructions. under 15usc1666b a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX 30 days late XXXX date : unknown used card once 30 days late XXXX XXXX XXXX : XX/XX/XXXX 30 days late

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 2020-01-14
Company: EQUIFAX, INC.
State: NY
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:
I reached out to the credit bureau to remove unauthorized and unverified information on my credit report and they have not yet removed it.

Company response to consumer: Closed with non-monetary relief