BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-01-26
Company: I.Q. DATA INTERNATIONAL, INC.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
it was rent they said I owed, I paid amount of XXXX which I paid in two payments, which they I would be reported if not paid, this was in 2014, they did take out the correct one.i saw now they have someone elses debt showing on my XXXX and XXXX report showing I owed them such a big amount of XXXX. I call spoke to a guy call XXXX, he found it was wrong and it still shows. I need this corrected. I am so embarrassed, I been tryong to correct this. I don't get any where with them. The co- I Q DATA INTERNATIONAL, XXXX XXXX XXXX, XXXX XXXX WA XXXX XXXX # XXXX. PLEASE I NEED THIS CORRECTED. I hope you can help me. thank you.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-30
Company: Square Inc
State: KY
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
XXXX mistakenly tried to charge my Cashapp card for a order that was lost and refunded. I contacted XXXX and was told that it was a mistake and they would not charge me. A few weeks later I was charged again by XXXX. I contacted XXXX and was told that they did not charge me. They gave me a error code Transaction ID XXXX Status Error Ive contacted cashapp quite a few times to resolve this. Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-13
Company: WELLS FARGO & COMPANY
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
I am a small business accounter holder with Wells Fargo. On Tuesday XX/XX/2021 I've sent a wire to my supplier in XXXX XXXX. It was an online wire transfer like many times before. This time for some reason the intermediary Bank ( New York  XXXX  XXXX XXXX ) got the wire transfer information missing the account number of the beneficiary. New York  XXXX  XXXX XXXX contacted Wells Fargo asking for the missing information. As of today, XX/XX/2021 Wells Fargo has not contacted the New York  XXXX  XXXX XXXX with the missing information. Last Friday XX/XX/2021 after figuring out what was going on I contacted Wells Fargo with the help of my branch manager and they started a claim. Case id # XXXX and they told me it could take 5 business days. Today after calling they told me it could take 10 business days due to backlog. My complaint is that all I need is someone to contacted New York XXXX  XXXX XXXX with the missing information already provided. This would take a couple minutes. This was a mistake not caused by me but a glitch of some sort. I don't think it is fair that a wire of US {$34000.00} that is going to be used to purchase goods to be on hold just because Wells Fargo does not have the competency to fix a very simple to fix problem. Thanks for your time. Please help.

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 monetary relief
Consumer complaint received 2018-02-01
Company: URS Holding, LLC
State: NC
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/XXXX I sent a letter to XXXX, XXXX, and XXXX  for this inaccurate account that I found shockingly showing on my credit report. XXXX  could not verify the account with the third party collector to be valid so they removed the item. XXXX and XXXX   responded that they verified the account and all of it's information as 100 % accurate, 100 % timely100 % verifiable, and fair based on the FCRA. I also contacted the collector at the same time directly to ask for validation of the debt per section 809 of the FDCPA and to date have not received any literature or correspondence back from XXXX the collection agency as well and it is not XX/XX/XXXX. That's well over the 30 days for validation by a collector. How is it that XXXX could not verify the debt and I can not get the debt validated by the actual collection agency XXXX  but XXXX, and XXXX claim they did a honest investigation and found the debt as verified on all level of compliance according to the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-05
Company: Innovis
State: RI
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 checked my Innovis, XXXX XXXX XXXX and XXXX reports and i noticed accounts on there that don't belong to me and addresses as well. 
Accounts. 
1 ) XXXX XXXX XXXX {$560.00} opened in XX/XX/XXXX 2 ) XXXXXXXX XXXX {$72.00} opened inXX/XX/XXXX 3 ) XXXX XXXX XXXX XXXX  date opened XX/XX/XXXX{$860.00} 4 ) XXXX XXXX XXXX XXXX date opened XX/XX/XXXX{$870.00} 5 ) XXXX XXXX XXXX  `date opened XX/XX/XXXX{$620.00} 6 ) XXXX XXXX XXXX XXXX date openedXX/XX/XXXX {$400.00} 7 ) XXXX XXXX XXXX XXXX XXXX opened XX/XX/XXXX {$400.00} wrong addresses 1 ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 2 ) 1XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 3 ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 4 ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX 5 ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX0 6 ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX 7 ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX wrong phone numbers 1 ) XXXX 2 ) XXXX 3 ) XXXX 4 ) XXXX 5 ) XXXX  Inquiries I didn't allow 1 ) XXXX 2 ) XXXX/ XXXX XXXX  3 ) XXXX XXXX XXXX 22 4 ) XXXX XXXX XXXX 5 ) XXXX XXXX XXXX XXXX 6 ) XXXX XXXX XXXX   7 ) XXXX XXXX XXXX XXXX  8 ) XXXX XXXX XXXX 9 ) XXXX XXXX XXXX 10 ) XXXX XXXX  11 ) XXXX XXXX XXXX 12 ) XXXX XXXX XXXX 13 ) XXXX XXXX XXXX   14 ) XXXX XXXX XXXX  15 ) XXXX XXXX XXXX 16 XXXX XXXX XXXX XXXX XXXX 17 ) XXXX XXXX XXXX XXXX 18 ) XXXX XXXX XXXX  19 ) XXXX XXXX 20 ) XXXX XXXX XXXX 21 ) XXXX XXXX XXXX  22 ) XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-05
Company: LEXISNEXIS
State: RI
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 checked my XXXX, XXXX XXXX XXXX  and lexisnexis reports and i noticed accounts on there that don't belong to me and addresses as well. 
Accounts. 
1 ) XXXX XXXX XXXX  {$560.00} opened in XX/XX/XXXX 2 ) XXXX XXXX {$72.00} opened inXX/XX/XXXX 3 ) XXXX XXXX XXXX XXXX date opened XX/XX/XXXX {$860.00} 4 ) XXXX XXXX XXXX XXXX  date opened XX/XX/XXXX {$870.00} 5 ) XXXX XXXX XXXX `date opened XX/XX/XXXX {$620.00} 6 ) XXXX XXXX XXXX XXXX date openedXX/XX/XXXX {$400.00} 7 ) XXXX XXXX XXXX XXXX date opened XX/XX/XXXX {$400.00} wrong addresses 1 ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX 2 ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX3 ) XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX 4 ) 1XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX 5 ) XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX 6 ) 2XXXX XXXX XXXX XXXX XXXX XXXX  02909 7 ) XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX wrong phone numbers 1 ) XXXX-XXXX-XXXX  2 ) XXXX-XXXX-XXXX 3 ) XXXX-XXXX-XXXX 4 ) XXXX-XXXX-XXXX 5 ) XXXX-XXXX-XXXX Inquiries I didn't allow 1 ) XXXX  2 ) XXXX/ XXXX XXXX 3 ) XXXX XXXX XXXX-XXXXXX/XX/XXXX 4 ) XXXX XXXX XXXX 5 ) XXXX XXXX XXXX XXXX 6 ) XXXX XXXX XXXXl 7 ) XXXX XXXX XXXX XXXX 8 ) XXXX XXXX XXXX  9 ) XXXX XXXX XXXX 10 ) XXXX XXXX 11 ) XXXX XXXX XXXX  12 ) XXXX XXXX XXXX 13 ) XXXX XXXX XXXX   14 ) XXXX XXXX XXXX  15 ) XXXX XXXX XXXX  16 ) XXXX XXXX XXXX XXXX 17 ) XXXX XXXX XXXX XXXX  18 ) XXXX XXXX XXXX 19 ) XXXX XXXX  20 ) XXXX XXXX XXXX 21 ) XXXX XXXX XXXX 22 ) XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-26
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I have sent several letters to Equifax and XXXX requesting for them to remove the reporting of Bankruptcy on my credit file. I have sent letters to the Courts and they have advised me they do not report to the credit bureaus. XXXX has already deleted this information upon my request. The bankruptcy was filed in XXXX and dismissed in XXXX. These credit bureaus have purchased from my information from a 3rd party company such as XXXX XXXX without my permission. This information should be deleted. I have sent 3 certified dispute letters each to both XXXX and Equifax on XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX and they keep coming back saying Verified which is in violation of the Fair Credit reporting act.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-19
Company: Experian Information Solutions Inc.
State: MI
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:
Attached is the Identity Theft Report. Companies refuse to remove.

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 2019-07-05
Company: Paypal Holdings, Inc
State: VA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
Paypal ingores and refuses to remove a payment method, even after requests, from an account that does not and should not be associated with the payment method.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-01
Company: Weinberg Mediation Group LLC
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
Weinberg mediation group continues to call me even after sending them a letter asking for a validation debt letter. I also sent them a Cease and Desist letter. 

Weinberg Mediation Group XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-05
Company: AES/PHEAA
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
There are three loans on my credit report that have the same opened day as my real loans. The account number, lenders information and term length are not the same. The debt amount is off by a few dollars. 
The name of the lender is listed as the Department of Education but the address XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, VA XXXX Does NOT belong to them. Its belongs to XXXX, a software company. 
I have called the department of education but they do not do anything because they dont look past the fact that I do have loans with the same start date. Borrowers Defense denied my claim despite proof from my student loan account records showing an amount for twice my student loans. The financial records show double the amount but my XXXX only list three which is correct. I wasnt charged at an interest rate of 100 % in a time span of XXXX ( which is when they appeared ).  They do say that the loans are from being transferred as a result of defaulting. They were on deferment as I was having an economic hardship. I was in the midst unemployment which resulted in an eviction. The default was a surprise. What they ignore is the fact that last year alone, disbursements were made for about {$30000.00}. I only owe {$14000.00}. Two of the loans were issued for a year I never applied to. I attended XXXX XXXX XXXX and was told to give one of the financial aid workers my application and they would help but I didnt hear back from US Dept of Education. Even my statements listed another company as the lender. The school said I would owe them. I also reported this but no one has ever taken it seriously despite proof. Is it not illegal to ask someone to pay a debt that was fraudulently acquired or isnt theirs?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-26
Company: BMW Financial Services NA, LLC
State: TX
Product: Debt collection
Sub-product: Auto debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I keep getting calls from XXXX ( XXXX ) XXXX. Multiple times a day, all times of day. They keep calling to my work line. Whenever I pick up, they hang up immediately, but still continue to call throughout the day. I finally called back to find out it was a number associated with BMW financial. I do not own a BMW, and have been at this same work line for over two years. This is the first time I have gotten calls from this number. I finally was able to speak with somebody around XXXX on XX/XX/XXXX to ask them to take me off of their list. I explained that this is a work number, it is my direct line, and I have nothing to do with a BMW, and never have. I asked them to quit calling me, and again told me to take them off their list. They said my direct line is associated with an account they have. I explained to them that there is some sort of mix up, and that somebody gave them a wrong number, and they need to quit calling as this is a business line, and the person they are trying to contact is not at my work line phone number. She said they would make a not on the account. I asked to speak to a manager and she said she did n't have one. 

I came into my office this morning, and low and behold there were another two missed calls from the same exact number XXXX, from XXXX XXXX the night before. After I spoke to the person that said she would put a note on the account. Please stop these calls, this is a business line and incredibly unprofessional to be harassed constantly with these phone calls.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-26
Company: CITIBANK, N.A.
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
My wife and I both have checking accounts with Citibank. Citibank freeze our accounts for no reason. They do n't have office near my home. I call Citibank and sent letter to Citibank center. But they refuse to unfreeze our accounts. We have total {$3200.00} in the 2 accounts. Please help us to get our money back.

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 2018-01-26
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: LA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Portfolio say that they reached out to me in XX/XX/2017 of having bought this alleged debt ending in XXXX. Do they have a signed mail return receipt? NO. i found out about this alleged debt in XX/XX/2017, I sent dispute letter to them. Threy broke the following laws 1. Did not notify me of this alleged debt prior to reporting 2. Did not mark my account disputed with in 31 days of receipt of this dispute letter. 
3. Did not COMPLY with sending me a COPY of MY AGREEMENT ( which I do not have a signed contract with them ) NOR a signiture, per requested. They have ignored ALL of my request UNTIL i got BBB involved now you CFPB and Attorney General. 

Which by LAW they are REQUIRED to follow.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-26
Company: BMW Financial Services NA, LLC
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Problem with additional add-on products or services purchased with the loan

Complaint:
I bought new XXXX XXXX XXXX at XXXX XXXX XXXX XXXX at XXXX GA USA. On JXX/XX/XXXX. Finally we agreed all the price I went to finance room and he try to charge 5.89 % APR and that is the best interest rate to my credit ( its XXXX credit score ) can not lower it. But later he said le can lower it to 3.89APR if I purchase interior protection and Lo Jack and charged {$1900.00} for both. And then he offer me additional maintenance plan of 4 year 50K miles for {$4900.00} then he can lower the APR to 1.89APR. And I accept that because it was almost XXXX XXXX  and I can not spent another hours for dealing with that. 

But the problem was happened after that. 
When I signed paper I trusted him but it was totally over charged. 
I called same dealer today and spoke one of the sales person because it was too high for does extra charges. And his name was " T .... '', I asked him, I plan to buy XXXX XXXX and what is the additional charge for extended maintenance plan, and he said I dont know and I have to check. So after he checked he call me back the extended maintenance plan for 4 year 50K is {$2400.00} and 5 year 75K is {$3300.00}. I got evidence he said that. So I text financed person regarding that and he refused to fix this issue And never explain why it was charged double. 

After this issue, I am worry about all other charges, look like all other charges, Lo Jack, Interior Protection, Gap Insurance look like over charged too. 

Totallay charged additional {$7700.00} for additional service purchase

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 2019-07-05
Company: CFW Holdings LLC
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Repeated phone calls to my place of employment despite repeatedly being told I was at risk of being fired from my job by receiving such calls at work.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
On or about XX/XX/XXXX, I pulled my credit report, going over, I found out multiple accounts that did not belong to me, knowing this I started to do my own research to know how to remove the accounts that did not belong to me. on XX/XX/XXXX, I started disputing the incorrect information using different types of letters. After been disputing wrong information on my credit report for about a year, the accounts that were not mine were removed from my credit report, but, no too long ago I received a collection letter from XXXX XXXX XXXX trying to collect on Behalf of XXXX, one of the accounts that were included on my identity theft package, after disputing the account via CFPB, they removed the account, unfortunately, just a few days ago, after checking my credit report, I found out that a new collection ( XXXX  XXXX ) came up collecting on the same account. 

Attached is my Affidavit of Identity theft package for your reference.

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 2020-10-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I have tried numerous times to review my credit report online at Transunion 's website, I have logged in as a member and with no prevail has Transunion allowed me to view my credit report as I am in need to do so since I have obtained an identity theft affidavit report from the FTC. On XX/XX/XXXX I sent Transunion a copy of my Drivers license with my current address and social security number card as prove of my identity. On XX/XX/XXXX and XX/XX/XXXX I called Transunion costumer service department directly, Transunion representatives verified my identity both times over the phone, Transunion representatives stated both times that I would be able to view my credit report on the Transunion website, and jet I haven't been able to successfully view my credit report. I have also tried to obtain my credit report with XXXX XXXX XXXX and Transunion was the only agency not to release my credit report, the XXXX XXXX XXXX website states that XXXX  XXXX  Transunion are giving free weekly credit reports until XXXX of XXXX and the FTC website states that under the Fair Credit Reporting Act I am able to get a free credit report if the consumer becomes a victim of identity theft, I have obtain a identity theft affidavit report from the FTC website and I am in need of my Transunion credit report to identified any potential identity theft accounts. I pray the CFPB can help me resolve this issue thank you in advance.

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 2019-01-02
Company: Ability Recovery Services, LLC
State: NC
Product: Debt collection
Sub-product: Federal student loan debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
XXXX called relatives phone at approximately XXXX XXXX twice and stated they were Process servers for NC and VA.XXXX  called and stated they were with the IRS and they had a file on me.

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 2019-07-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have been trying to log a dispute with Trans-Union for the past two months. The website has been reporting " Technical Difficulties '' for the entire duration. I have searched message boards regarding these " Technical Difficulties '' and it appears that this problem has been going on a lot longer than two months. It is my belief that Trans-Union has purposely disabled the credit dispute portion of their website.

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