BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-06-11
Company: ADP Inc.
State: DC
Product: Credit card or prepaid card
Sub-product: Payroll card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting a working replacement card

Complaint:
I have been requesting my prepaid payroll card from XXXX XXXX  They charged me 3 times to get my card shipped out and they sent it to my employer instead of me. I asked my employer did they receive my card and they told me they haven't. I requested that my card be sent to my home address at XXXX XXXX XXXX XXXX XXXX XXXX Washington D.CXXXX They sent my card to XXXX XXXX md according to the XXXX website. When I requested my card again they continue to hang up on me and they never sent my card. I have a balance of {$750.00}. I previously had {$850.00} before they started charging me shipping fees and did not send my card. I am requesting that they issue me out a check and send it to my home address and cancel and close the account. If they can't do that I am requesting that they issue me another card and send it to my home address.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-06
Company: National Credit Adjusters, LLC
State: CA
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:
this collection agency never sent me any written notification that the debt was the debt was valid and not outdate. possible violated FCRA

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-04
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: NE
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
Regarding my account with XXXX XXXX for a lease on the XXXX XXXX XXXX. 

XXXX XXXX added sales tax to my monthly payment in error. In the state of Iowa, you pay the sales tax for the year when you register the vehicle. They mistakenly, retroactively added sales tax to my monthly payment amount with out notifying me. I did not realize this until I logged into my account online and noticed they were claiming I was behind on my monthly payments. My monthly payments were taken automatically out of my checking account. 
I asked the rep two questions : 1 ) Why was the auto payment not adjusted accordingly so it at least did not appear I was late on my payments. They said there was a glitch in the system and it should have adjusted.
2 ) Why was I not notified of a change to my monthly payment amount so I could dispute it. No explanation could be provided. 
I was told on this call that they would confirm the vehicle was in fact registered in Iowa and would issue me a credit on my account. The credit was issued at a later date. 
I asked them if they would also correct my credit as they reported me late to the credit bureaus. I was told this would be done, but I see it has not as it still shows I paid 30-60 days late. 

I would like this reflected accurately on my credit report as I never made a late payment to XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-04
Company: EQUIFAX, INC.
State: CA
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: Didn't receive services that were advertised

Complaint:
I am a victim of EquiFax cybersecurity incident., and have tried at least on 40 occasions to sign up for the Trusted ID service they are providing to all the victims. and have not been successful to complete the process. I have gotten as Far as establishing a signing Id and password, but can not complete the sign up process, i have created case number ( XXXX ) which they have closed. I have emailed them and called all the phone numbers they provided. They answer is always the same, The website is down, My computer is not working, Hang up, transfer back to the Q..and so on. Equifax have wasted lot my time by having me wait on line for 10-40 minutes each time to just tell me : callback, or just hang up, put back on the Q or the website is down of all the times I have tried to contact them, i was successful once when I to talked to some one who helped me establish an ID and password for the service. But can not pass that step at all. 
I wish that the FEDS would just shut then down, they should not be in business if they can securely handle consumer 's information I can be contacted by phone ( XXXX ) XXXX, or Email : XXXXXXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-01
Company: EQUIFAX, 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:
I am XXXX XXXX and I am submitting this complaint myself. These items are reporting late, yet it is closed and the balance is zero as reported in Equifax. Lets correct this immediately. Equifax is required to verify for themselves, but they failed to neither verify nor update me about these complaints. 

( XXXX XXXX XXXX ...., XXXX XXXX XXXX .... )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-25
Company: Early Warning Services, LLC
State: VA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
Zelle user and transaction fraud/scam. XX/XX/2022, I was in contact with another person from the app XXXX in regards to XXXX pair of pants bundle for {$30.00} she was interested in buying. She was unable to pay via XXXX  through the app and asked to pay through other ways. She mailed a check and it was the amount of {$1400.00}. I only wanted {$30.00} and wanted to return the {$1300.00}. This person asked for me to send the remaining amount of money through a third party ( her attorney ) as thats where the additional money originated from. Check was deposited into my bank account on XX/XX/2022 and was approved. Money was sent through Zelle XX/XX/2022. XX/XX/2022 Check was bounced back and additional {$1400.00} was taken out of my account. Person will not answer me on all emails and phone number. I ended up loosing {$1300.00}. Attached included fraudulent account holder for Zelle XXXX XXXX XXXX ) and her information, as well as fraudulent check.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-04
Company: Medical Data Systems, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I do not have a signed contract nor any contract with Medical Data System. I have never done business with this company. I am not liable for collection from this debt from XXXX XXXX XXXX XXXX. I am not responsible for this debt with Medical Data System. Also upon further review of my own I discovered this company is not licensed nor bonded in the state of Florida to  collect any debt. 

I am in receipt of my credit report dated on XX/XX/XXXX. I disputed this collection agency back in XX/XX/XXXX and it was deleted on XX/XX/XXXX. Since obtaining my credit profile once again on XX/XX/XXXX I came across this account that does not belong to me. I sent MEDICAL DATA SYSTEMS certified letters and have not received a response from them regarding inaccurate marks on my credit report. I am for certain that I do not owe your company any money. For starters, I have never done business with you. In fact, I had never heard of your company until having received my credit profile. What I find strange is your attempt to settle the debt with me when I do not owe you any money in the first place! Please see this as me disputing once again this alleged debt with your company as well as requesting debt *VALIDATION*. You have more than enough time for you to send me and CFPB legal supporting documents bearing that I 've done some type of business with you, *HENCE OWING YOU MONEY*. This is not my debt. Since this " UNKNOWN '' debt appears to have been sold to a collection agency anyway. The contract should be CANCELLED!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-26
Company: Convergent Resources, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I purchased the XXXX XXXX XXXX from XXXX back in XXXX XXXX, 2015. I received a bill XXXX XXXX, 2015, for the amount of {$240.00}, which was paid in full right after purchasing the phone in full payment. Coming to realize that, XXXX has put a {$530.00} credit debt on my credit which does not belong since everything was paid 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 2021-06-11
Company: EQUIFAX, 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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNT 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/2008 with a balance of {$0.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-26
Company: EQUIFAX, INC.
State: IL
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 XXXX XXXX on XX/XX/21 sent a 609 letter to Equifax, XXXX, and XXXX regarding inaccurate things on my credit report. It has now been over 110 days later and I have not received a response yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-01
Company: Chime Financial Inc
State: TN
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
It began I was on the road a friend needed help with a car payment since there was no contact I was to far away to give cases I put money on a cash app card and sent her {$600.00} later in she said she never received the funds so I XXXX cash app number and was put threw a rep I wanted my funds returned gave information to my account they had me download an app for them to refund the funds they took {$2.00} out without permission they told Mr to calm down that they were going to be longer than usual I was getting angry they told me to call back in XXXX min and number was not active I immediately contacted chime they told me they said they would looking into it closed account down my blocked me and I still had {$500.00} in account several weeks went on got a letter in mail stating that account closed they said it was my fault so help from chine my number is blocked when I call to find out about my account and how is it my fault can't get answers for months I need my hard earned money back my sister did all foot work to investigtion and got more info on situation please help single mother work hard for my money Thank you and God bless

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-11
Company: CITIBANK, N.A.
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 am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.

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 2022-04-06
Company: Experian Information Solutions Inc.
State: IN
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 credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2017-12-26
Company: WELLS FARGO & COMPANY
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I owed a debt in XXXX to Wells Fargo Bank. I was contacted by XXXX XXXX, XXXX ( XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX CA XXXX ) demanding {$1100.00} by XXXX/XXXX/XXXX. This was sent in and this collection agency sent me a letter showing I had a XXXX $ account balance and that I was Released from all claims and liabilities pertaining to the above referenced account. I recieved a phone call last week ( XXXX/XXXX/XXXX ) from the XXXX XXXX XXXX XXXX ) XXXX attempting to collect the same debt from five and half  years prior, for which I have the written proof that it was paid. I have a message from them stating they were planning on taking me to court and if they did not hear back from me they would talk to my HR dept to garnish wages. When I called XXXX XXXX, the paralegal reported that a letter was sent 45 days prior ( which I never received ) though when I asked for a tracking number she said it was not sent with one. I then submitted copies of the documentation showing payment in full from XXXX to a paralegal I spoke to at XXXX XXXX. She said I would be contacted by one of their attornies in 2-3 weeks supposedly to confirm the documentation. When I asked for a confirmation letter from her, the paralegal said one could not be furnished. I also tried to contact Wells Fargo overdraft collection delartment MULTIPLE times ( 8 times over the course of the morning/ early afternoon ) on XXXX/XXXX/XXXX ( XXXX ) XXXX ( XXXX ) XXXX. I was disconnected or told to call back at a later time. I also on the same day ( XXXX/XXXX/XXXX ) tried to get their collections dept. to help me which they could/ would not. My goal was to get this confusion taken care of. I tried calling the original collection agency from XXXX ( XXXX XXXX, XXXX ) however the numbers on the paperwork are out of service. The whole situation is disconcerting ; i would hope a large corporation like Wells Fargo would keep more accurate records. It feels as though they are trying to take advantage of me. I am now concerned because Im afraid the new collection agency is going to say because the original collection agency is now longer around, that i still owe the money. Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-08
Company: CITIBANK, N.A.
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
On Friday, XX/XX/XXXX my XXXXyear-old child received a promotional flyer from Citibank advertising a generous cash bonus if s/he opened a new checking or savings account and maintained a balance of {$50000.00} or {$15000.00} for 30 or 60 days, respectively. 

The flyer was addressed to my XXXX-year-old with the exact spelling of his/her name and exact address. 

Neither my spouse nor I have a current Citibank account. I had a XXXX credit card but that account was closed approximately 5 years ago and I have a different last name than my child. 

My child does not have a savings or checking account with any bank, does not have a college savings plan, or any other financial products. S/he does not have an email address or any online presence. 

When I called Citibank to get information about why my XXXX-year-old was receiving promotional material, I was told by someone in " Client Relations '' that my complaint was being " forwarded to a 'back-office team '. '' They could not give me an estimate on how long the investigation would take or when I should expect to hear back. They could not or would not give me a number I could call to follow up except for the general customer relations number. 

When I emphasized that it is illegal for minors to open checking or savings accounts without the consent of a parent and asked for more specific information on what Citibank was going to do to resolve my complaint, they stated they could not do anything else. 

I restated what I had been told. That my complaint was forwarded to a " back-office team '' who would investigate it and get back to me in an unspecified timeframe and that the only possible way to follow up was to call the general customer relations number. The response to that was " that is the proper expectation. '' I demand to know how Citibank got my XXXX-year-old child 's information and why they are sending promotional material to a minor.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-02
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
On XX/XX/2022 please be sure to enter dates that all letters were sent. 

I sent disputed to XXXX, Equifax and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 60 days and have failed to respond. I am attaching a Copy of all letters sent below. 

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-08
Company: EQUIFAX, INC.
State: AZ
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:
There's an account from XXXX XXXX XXXX that is reporting as an unsecured loan to my credit report which I never received from them. Equifax is reporting this loan despite the many disputes and fraud packet that I have sent to clarify that this is a fraudulent account. XXXX  has deleted the account for fraud before but has now re-inserted the information back to my credit report. Both CRA state that they received information from XXXX XXXX XXXX which says that the loan is mine but refuse to forward the information to me the consumer. XXXX XXXX XXXX does not have any promissory note for me with my signature for a loan. Also, a fraudulent address is on my credit report and both Equifax and XXXX won't remove the fraudulent address from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-01
Company: EQUIFAX, INC.
State: PA
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 recently pull my credit report and I've noticed a handful of account on my report that i have absolutely no knowledge of. Before contacting XXXX, XXXX and equifax i call each company that the fraudulent account was open and they could not verify any information that linked to me. I have never done business with these companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-11
Company: LD Holdings Group, LLC
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
In early XX/XX/2021, l told my mortgage company that l wanted to come off the covid19 forbearance. They advised me that because l had an escrow shortage of XXXX}, if l did not pay it in full, my payments would jump to {XXXX} from the {XXXX. So on XX/XX/2021, l paid them XXXX} to be applied to the shortage. Unbeknownst to me, they never applied it to the escrow shortage. They then told me that my next payment was due on XX/XX/2021. They then sent me an agreement, whereby some XXXX} that had accrued during the Covid19 forbearance would be added to the back end of the loan balance. 

On XX/XX/2021, l sent a payment of XXXX for that month 's payment. They then advised me that my first mortgage payment post forbearance was due on XX/XX/2021. I asked them to apply the XXXX they received on XX/XX/XXXX to my XXXX payment. 

On XX/XX/2021, l sent a payment of XXXX for that month '' s payment. Then l get a letter on XX/XX/2021, advising me that l owed XXXX and XXXX 's payments. I then called and spent almost 2 hours on the phone with them seeking clarification. They then advised that l only owed XXXX 's payment, because the XX/XX/XXXX payment could not apply to XXXX because it was made before the finalization of the forbearance settlement. 

Then they referred me back to the Escrow department. After much wrangling with them, a gentleman finally agreed to ask that the XXXX} apply to the escrow shortage, thus reversing my monthly payments to {XXXX}. That was after some 8 calls to them and more than 10 hours on the phone. When l asked him about the {XXXX} total payments they were holding, he told me he could only talk about escrow and referred me back to the previous department. 

There, after another marathon conversation, the gentleman told me that if l did not make a payment for XX/XX/2021, l would be reported to the credit bureaus. Mind you, they still haven't accounted for the XXXX} l paid in XXXX. When you factor the XXXX} l paid in early XXXX, l would need to make a second {XXXX} payment in XXXX to preserve my credit score. This is highway robbery. I want them to apply the XXXX} payment l gave them in XXXX to the XXXX payment and apply the payment l made in XXXX, to the XXXX payment

Company response to consumer: Closed with explanation