BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-09-01
Company: FC HoldCo LLC
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
At the end of XXXX early XXXX I contacted my lender Flagship credit and advised that my husband was not working and that he was diagnosed with XXXX and that it was affecting our family. They agreed to take the rest of XXXX payment and place to the end of the loan. If i could set up payments to take care of XXXX payment. I agreed. I made one payment over the phone with the rep and he set up the second half of the XXXX payment for XX/XX/XXXX. I listened to a recording and agreed to the terms of the extension. Fast Forward.. The second half of the XXXX payment was taken out on XX/XX/XXXX. 

On XX/XX/XXXX. They called me and say I owe XXXX and that my account in 29 days delinquent. I told them about the extension. The rep said the extension was denied and that I should have called back.. Really! I was approved over the phone. I asked to speak to a supervisor. He or she never came to the phone!! These people are liars! Please help 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 2020-05-16
Company: Atlanticus Services Corporation
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
In XXXX of 2019 during all of this Covid 2019 pandemic a later payment appeared on my credit from this company I have never been late making a payment with them last 30 days not to mention their online account access never worked for me to process payments so as a courtesy they would send me text to make the payments because of the inconvenience with their online portal but then stopped sending the text which was negligent on their part. The last message I received to make a payment was in XXXX. Allowing for limited options for payments however I still made the payments. In Addition to that our country is in the middle of a pandemic which we were all affected by. I tried reaching out to the company but no resolution to the 30 day listed on my credit. Ive done some research and have seen reviews on this company and it appears Fortiva does this very often to clients and its not okay. They are very unprofessional and robbing innocent people during such trying times. Ive paid this account off in full.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-09
Company: WELLS FARGO & COMPANY
State: AL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I have had so many problems with Wells Fargo bank that it sad that Wells Fargo bank are taking advantage of the consumers that has trusted Wells Fargo bank with their money and especially mine I am XXXX and I thought that this banking institution would help me succeed and help me to become financially stable surely this is not the case. As a Wells Fargo bank instead of helping the consumers to become financially stable it has caused even the bankers at this institution to force those bankers to open up fake accounts with the consumers permission. With out authorization from the consumers knowledge. It's a total disgrace for this institution to take advantage of the consumers as well as my self taking advantage of me as a Wells Fargo customer. This is not professional by any means. This institution has been sued for discrimination and has been sued for forging people names on documents opening fake accounts with out the consent of those consumers knowledge. So after all of these things happening with these banking institutions to this by no means this should be justified and in all reality this is how the consumers are as well as myself being taken advantage of by these banking institutions and I know that slot of bankers are up under pressure to open 8 accounts with out the authorization of the consumers knowledge. The consumers has lost confidence with these bankers at Wells Fargo. Surely if a person is XXXX and maybe suffers with XXXX  and XXXX  XXXX that no consumer should be treated unfairly and to be taken advantage of by these banking institutions. Now we see and are in a pandemic now this institution is waiting to bring their families problems to work and to treat the consumers any kind of way. And taking their problems out on the consumers. Saying that they are not the one and gagging up on the consumers in their ears. And maybe trying to how hard they can be to the consumers and maybe the bankers at Wells Fargo bank is trying to impress a female banker or a man at Wells Fargo bank. Maybe this how these institutions are making their money by taking advantage of me And other consumers. Now I just want to let you all know that Wells Fargo bank sent me {$25.00} cashier 's check and I haven't signed the check because if I would have cashed that check it will be like that I have given them the permission to take that {$290.00} cents for that checking account. I know that maybe this institution may think that I am XXXX or maybe even slow or maybe this institution may think I am XXXX  and maybe they think I am a alien or whatever. But I do know this I know when I am being taken advantage of just like the other consumers as Wells Fargo bank has done me And other consumers 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 monetary relief
Consumer complaint received 2021-03-25
Company: T.S. Holdings
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
on XXXX : XX/XX/XXXX IQ on the data responded to a dispute. in their letter they stated " We collect amounts owed to rental properties, and our records reflect your account was placed with our agency on XX/XX/XXXX, to collect {$2700.00} owed to our client, Icon on the XXXX XXXX. Initial notification, with instructions to dispute or make payment, was mailed on XX/XX/XXXX, to the address that you submitted with this complaint which was not mail-returned and deemed received. " which is a violation under 15usc 1692e ( 14 ) The use of any business, company, or organization name other than the true name of the debt collectors business, company, or organization., The original creditor is not IQ data Also they stated because i didn't respond to their letter they alleged sent out they proceeding to harrass and abuse through unfair debt collection practices by contacting me monlthy on my consumer report since XX/XX/XXXX under 15usc 1692 g ( c ) Admission of liability The failure of a consumer to dispute the validity of a debt under this section may not be construed by any court as an admission of liability by the consumer. 

IQ data also stated " Our office was unable to find any calls or written contact from you on your account since XXXX of XXXX '' failure to to produce a valid contract under 609 ( A ) ( 1 ) ( A ) Copies of copies are not valid the contract must be an original consumer contract with wet in signature

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: KS
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I transferred money into my capital one 360 checking from my XXXX because the two were linked. Then when I tried to move the money from my capital one account it said there was a problem. I called them and they were kind of rude and told me I needed to verify who I am through a series of multiple choice question about me. I said sure and after I completed the questions and passed they told me they were still going to close my account cause I was high risk or something???? Who knows with that. My credit score is great I've never been in trouble pay all my bills on time and have a job.. Anyway they said they were going to send me a check of the money in my account and that was 5 months ago.. I called one more time 3 months after the first call and they said, yeah the check wasn't cash, asked me my address and I asked to talk to someone who can help me understand cause he wasnt helping. He said ok one second, put me on hold the phone started ringing and I got an answering machine.. XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-10
Company: Convergent Resources, Inc.
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have sent convergent multiple letters I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. 

Convergent has sent me a billing statement showing a balance of XXXX when the credit report shows XXXX this is inaccurate information therefore i am requesting validation of this debt bearing my signature

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 2020-05-18
Company: EQUIFAX, INC.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is the first time my identity has been compromised. I don't understand why this happened to me. Please remove these fraudulent unknown accounts from my report as soon as possible. They are not mine. These accounts were open without my consent. 

US DEP ED  XXXX {$34000.00} XXXX XXXX {$5700.00} XXXX XXXX XXXX {$2800.00} XXXX XXXX {$7100.00} XXXX XXXX XXXX XXXX XXXX XXXX {$480.00} BANKRUPTCY CHAPTER XXXX XXXX {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-15
Company: AR Resources, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I contacted The company by certified mail in regards to a collection listing on my credit report. I had no knowledge of this collection so therefore I wrote a debt validation letter to the company on XX/XX/XXXX in  regards to the collection being reported by them in the amount of {$2200.00}. Company replied by mail dated XX/XX/XXXX well after the 30 day limit to reply to debt validation request. Company did not provide me with proper validation of this debt. As per the FDCPA companys debt validation letter is to inform me that I have 30 days to dispute this alleged debt. The Company was also required to also provide me with a statement that if I dispute the debt in the given 30 day time frame that their company will then mail me verification of the alleged debt or a copy of the judgement against me. Company did not provide me written notice of either of these required statements. I then replied to the companys recent communication on XX/XX/XXXX asking them to cease and desist all collection activities due to their failure to properly validate this alleged debt and failure to comply with FDCPA regulations. Company has yet to reply.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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:
XXXX XXXX sent me an email that it looked like my personal data may had been compromised. I opened it up and reviewed everything and there was several unknown inquiries and accounts that certainly did not belong to me. I pulled my credit to make sure, and these accounts I am reporting are definitely not mine. Please remove these items from my report.XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX {$600.00} XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX {$16000.00} XXXX XXXX XXXX XX/XX/XXXX {$110.00} XXXX XXXX XXXX XX/XX/XXXX {$590.00} XXXX XXXX XX/XX/XXXX {$230.00}

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 2020-05-25
Company: CITIBANK, N.A.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I have a Sears Mastercard and was given a 6 month promotion for a purchase of {$1000.00}. 
The promotion was due to expire on XX/XX/2020. 
I always make full payments on my currant charges for the prior month to avoid interest charges. 
My last statement payment was due on XX/XX/2020 and I made a payment to cover all charges, {$910.00}, made on this statement. 
The credit card company applied my payment to the promotional balance instead of my currant charges despite the fact that the promotion did not expire for 30 days. 
I even took the additional step of calling the credit card company 10 days before the XXXX payment was due to make them aware of how the payment was to be allocated, and was assured by their representative that the entire payment would go to the currant charges and not the promotional balance. 
By applying my payment to the promotional balance I am being charged a very high interest rate, 25.25 %, for a minimum of 2 months on all my purchases. 
This is the second time I have been subjected to this deceptive advertising practice by Sears Mastercard.

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 2021-08-09
Company: EQUIFAX, INC.
State: LA
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 submitted a dispute to the credit bureaus on XX/XX/2021 and still haven't received a response by mail. It has been over 60 days and i will not wait another 45 days for no response. I will file a complaint with the XXXX XXXX XXXX  and the Federal Trade Commission since i am not aware of these accounts. This has caused stress to my life. Please remove these account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-01
Company: Experian Information Solutions Inc.
State: AR
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:
Every time I get a quote for insurance either I was ineligible, or it was too high. I would always ask what the reason for this and I was always get told that it could be because of my credit. I decided to pull my credit and I am extremely shocked on the outcome of the report. The things I have listed on this application are not mine. Please remove these items from my report. XXXX XXXX {$500.00} XXXX XXXX   XXXX {$660.00} XXXX XXXX XXXX {$1200.00}

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 2018-07-15
Company: COMMUNITY CHOICE FINANCIAL, INC.
State: CA
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:
On XX/XX/XXXX, I obtained a free annual credit report from XXXX. It showed a hard credit pull that I did NOT authorize, from a company I have NEVER had contact with and have NEVER requested to do business with. 

The unauthorized pull was by XXXX XXXX on XX/XX/XXXX. I did NOT initiate any type of business transaction with this company. I XXXX them and they are a payday lender. I have NEVER requested a payday loan. I did NOT initiate any lending requests or loan applications in XX/XX/XXXX or the months immediately prior. 

The XXXX credit report shows XXXX XXXX XXXX contact info as XXXX XXXX XXXX, XXXX, OH XXXX, phone number as ( XXXX ) XXXX. The credit report shows that this hard pull would remain on my credit report until XX/XX/XXXX. However this is ABSOLUTELY an UNAUTHORIZED hard pull that I did not request.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-20
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: Account information incorrect

Complaint:
Credit File : XX/XX/XXXX Confirmation Number # XXXX CFPB Complaint # XXXX XXXX XXXX XXXX XXXX is not showing on my credit report as stated by Equifax there was no reply back from Equifax since XX/XX/XXXX needing more time So what is XXXX XXXX XXXX XXXX saying on something not on my file.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-31
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-06
Company: Experian Information Solutions Inc.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I, XXXX XXXX, checked my credit report and noticed some fraudulent and inaccurate accounts and inquiries on my credit report. I reached out to the credit bureaus to remedy the situation but they would not help me to remove these fraudulent 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 explanation
Consumer complaint received 2018-07-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/2018 I purchased merchandise from XXXX XXXX store for the amount of {$220.00}. I never received the merchandise that was paid for even though the tracking shows it was delivered I never got it. I never signed for anything. Nothing. The merchant failed to send a replacement so I was out my money and no merchandise. 

This is when I contacted my credit card company, Capital One. I started a dispute for this transaction stating the above. They had me sign a form and send back with all the information they asked. I submitted as they asked and they denied my claim when they are supposed to protect me as their customer because I never got my merchandise so i was charged for something I never received.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-08
Company: Experian Information Solutions Inc.
State: CT
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:
My name is XXXX XXXX . I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS, INQUIRIES, AND INACCURATE ADDRESSES from my credit report immediately.

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