BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-03-16
Company: TRANSWORLD SYSTEMS INC
State: AR
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Transworld Systems inc. 
XXXX XXXX  XXXX XXXX XXXX XXXX, Pa XXXX XXXX Date XX/XX/2018 our account # XXXX creditor XXXX XXXX XXXX XXXX 's Account # XXXX Current Balance {$360.00} Called them to tell them this bill was not mine. Told them that I own vehicles and do not owe this. Transworld wanted me to verify my information or give them my information and when I refused they hung up on me. This is a false claim against me. It is a scam and would like you to help me so this is not on my credit, and put this fake company out of business. They are scamming people for their information.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-17
Company: Diversified Consultants, Inc.
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Ive sent XXXX  a dispute letter in XXXX and the reached out in early XXXX but in that letter I told them to send me sign documentation bearing my signature in 30 days I didnt receive nothing. So finally after 60 days I recieved a bogus letter and account number they had to make up. Because if they had it, it wouldnt have took them so long its just not right. Thats why you hear so many bad things about them

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-17
Company: WELLS FARGO & COMPANY
State: GA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
Wells Fargo bank of XXXX Ga XXXX sent me an offer, letter and card that I was eligible for a loan. I have been doing business with them for nearly 30 years. My credit is good. I have paid for two houses and now paying for another plus I have paid off multiple trucks and almost have another one paid off. Also, I have a RV XXXX XXXX XXXX camper. All because of discrimination against another person that I signed with to help him build his credit they denied him ; and the next day I personally applied just for myself. I was denied. The bank loan officer had to get permission from a XXXX man manager before she would even talk to us. Then when my wife was going to put her mother 's dividends in my account he was very rude. She told them that she was her mother 's estate. Her mother has been passed away for 8 years. Everything went to my wife as she was the only child. The XXXX manager stood there looking at the checks as though they were counterfeit. He also was listening to the conversation and he did look at my wife. After a harsh discussion they finally accepted the money for deposit. The manager is very unprofessional and very rude. After talking to someone in Washington DC we were advise to give this a second chance. So my wife call the manager who is responsible for what goes on in his bank. He was very rude to her and hung up the phone during the conversation. That is a XXXX man discriminating against a white woman. There will be consequences to pay for this unprofessional and rude behavior. DISCRIMINATION!!!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
In XXXX of this year, I received an email from Capital One saying that my account has been restricted and to call the number provided to sort it out. I have called the number provided multiple times between then and now and each time they said that the investigator working on my case is still working on it. It has been 3 months and multiple escalations has been initiated but still no resolution has been made. I have since opened up an account with another bank so that I could still receive my direct deposits and pay off my bills. I am just extremely extremely extremely frustrated with the seemingly lack of initiative with the investigator. 3 months is an extremely long time to not have access to my own money.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-26
Company: Navient Solutions, LLC.
State: IL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
Stated that they were unable to lower the interest rate. Stating its a government loan and theres nothing they can do about it. Also stated you are the one who took out the loan in the first place. Also stating the co-signer makes enough money.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-26
Company: WELLS FARGO & COMPANY
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Apparently someone try put money in account. They said didn't know where came from.Except money good and sent me a check. They said they closed my account. Yet didn't and didn't sent me my {$50.00} deposit. Told me try wells fago easy pay card. But wont me get cuz apparently this account open but it isn't. And apparently i got to wait 10 years open new one. When i did nothing wrong and apparently money was good.

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 2019-09-26
Company: MoneyLion Inc.
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem when making payments

Complaint:
I opened an account with different options for this financial service ; 1. the deduct Money monthly and distribute it to different funds based on my risk election 2. The lend money through small installment loans that were first of all not to suppossed to be attached to credit On the 2nd option I paid off my first loan no problem, the 2nd time around they stopped taking my payments however they were taking them just not accounting fro them and one day they closed my account, they continue to take money out of my account and I can not put a stop to it, nobody answers their phone and this is becoming a nightmare that is now affecting my credit and they continue to take money from me ...

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-12-17
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: Information belongs to someone else

Complaint:
After checking my credit I realize that I have been victim of identity theft, An identity theft report had been filed with the FTC and a police report had been filed. As require by FCRA any nformation reported as fraudulent should be removed from the consumer credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-21
Company: CURO Intermediate Holdings
State: NV
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
I went into the store on Friday, XX/XX/XXXX and informed the manager that I would not be able to make the proper payments for my loans and needed to set up a payment. She said that the store does not allow payment plans unless in default of your loan. I asked how long that takes and she said I would have to wait no less than 30 days after the day of my first missed payment in order be considered in default status of my loan. She said she turned off automatic payments for my loans and to call customer service to follow up with setting up payments. On Saturday, XX/XX/XXXX I spoke with Customer Service and confirmed that automatic payments were no longer being authorized, which was on a recorded line. I told them that I come into the store to make a partial payment of {$25.00}. They told me that collection calls will continue. They attempt money from one of my bank accounts without my consent, which is clearly an FDCPA violation and breaking anti-trust laws. If they continue to break the law and violate such regulations I will be forced to take this to proper authorities and file sanctions against this company. It is always breaking the law when charging a persons account without their consent. If they want this debt to eventually be settled, then will stop attempting to charge my account without my consent. I still have yet to speak with any district level management or regional management to settle this dispute in very diplomatic way, but to no avail. I do not wish or have any intentions to taint or tarnish this companies name in any way, shape, or form. However, I am only trying to set up a form of payment schedule to pay my debt off as fast as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-02
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 sent several letters disputing a couple of accounts that I have one was with XXXX XXXX in XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX and the other with XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX. 
With XXXX XXXX I called them and due to me losing my job I was not able to make the payment on time and asked for a deferment which they agreed to and said they would not report me late. The other was with XXXX XXXX and due to covid was also not able to make the payment and I called them and requested a deferment and they also had agreed and they have both reported me late. 
I know about the CARES Act and want to see if you can help me with getting this resolved. 


Section 4021 of the CARES Act amends the Fair Credit Report Act ( FCRA ) to address coronavirus-related accommodations made by furnishers. New FCRA 623 ( a ) ( 1 ) ( F ) requires a furnisher making a COVID-19 related accommodation on a consumer 's loan account to report the account as current unless the account was delinquent prior to the accommodation.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 have reached out to XXXX XXXX XXXX to send me Validation of this account. not verification but Validation with my original contract with my signature on it. This company is highly negative on my credit report. I am request that they remove this account from my credit report. I called XXXX and spoke with XXXX on XX/XX/2018he informed me that this company no longer have information on this account that it was sent to a collection agency. Please remove this unverifiable account 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
Consumer complaint received 2018-12-17
Company: Diversified Consultants, Inc.
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Just got and owe amount from a employer I use to work for saying I owe a bill I never receive that I owed an amount and its not because I moved because we transferred out mail with us weeks before we moved now I I owed I would paid but I never received anything in the mail and still Havent. But a debt showed up on my credit report thats not right without not receiving the proper documentation. Theres no account number or reason why just sad and Pathetic

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-19
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: LA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
OnXX/XX/XXXX, USAA Savings Bank deactivated/suspended two of my checking accounts and referred both accounts to their Financial Crime Unit ( Fraud Department ), and when I contacted USAA on XX/XX/XXXX, the bank representative told me that my accounts are under investigation for fraudulent activities by the financial crime unit. I have been a customer at USAA bank for six years and have a direct deposit account. Because my accounts are freezed, I'm having hard time using my funds.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-26
Company: TD BANK US HOLDING COMPANY
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Yes there was a issue with my td bank account. I talk to the associates to unlock it and they said they did so, Yet they didn't. I told them to close my account.And send the money left in account which said they would. Almost a year ago. I reopen account. I love TD Bank. But yet no access online due to first account. When clearly they should took care of problem. Now call them and went in to to clear this account. So not sure why never got check of the amount had in account and closed that account so i can have online access to new account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-26
Company: Experian Information Solutions Inc.
State: NY
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:
I noticed XXXX XXXX was reporting my wife and I 30 days late in XXXX. I verified with my bank that the car payment was made on time. I sent proof of the payments to XXXX XXXX but they ignored me and continue to report me 30-days late. I then notified the 3 credit bureaus of the error and also provided them the same proof. They also ignored my dispute.

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 2019-09-26
Company: LEXISNEXIS
State: OR
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 a bankruptcy showing on my credit report showing as discharged when it in fact was dismissed/revoked. 

Per XXXX they stated they verified this information from the courthouse. They did not. per PACER my disposition shows as " discharge revoked '' which means i should not have a bankruptcy on my file. 

I have frozen Lexisnexis as well because they are reporting inaccurately too. 

If you call the bankruptcy hotline you will see it says my bankruptcy is revoked. PACER shows Revoked.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
My name is XXXX XXXX, There is no third party involved I attached my Id docs so you will know who I am. This is not someone else is filing this complaint on behalf of me. And please do not mail me anything else saying I need ID docs. I am filing this complaint about misleading false reporting information.

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 2018-03-19
Company: CITIBANK, N.A.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Received a letter from the magistrate court of XXXX  County stating that XXXX XXXX XXXX XXXX XXXX was suing me as the assignee of CITIBANK.

Form states that it is a " PLAINTIFFS APPLICATION FOR DISBURSEMENT OF FUNDS ''.

The following wording is noted : " NOW COMES the Plaintiff in the above styled case and files this Application for payment of all funds due Plaintiff paid by Garnishee after such time as the Clerk determines that no claim has been filed and no Traverse has been filed with twenty ( 20 ) days after Garnishee 's Answer was filed.

Moreover, Plaintiff states Garnishee and Defendant will be properly served with the Garnishment pursuant O.C.G.A XXXX and that proof of such service will be filed with the Court prior to any disbursement of funds. '' This letter is signed by XXXX XXXX XXXX XXXX XXXX, Georgia Bar # : XXXX   The law firm that sent the letter is XXXX XXXX XXXX XXXX XXXX  The APH File number is 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 explanation
Consumer complaint received 2017-11-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
XXXX XXXX deposit was made on my account, which was returned due to NSF. Immediately after, replacement check was mailed out, which cleared to the account. 
After the check was returned, restrictions were placed on my account and I was asked to contact Capital One 360, which I did number of times. I have left voice mails, as well as, sent a letters and email, though no correspondence/call was received by Capital One. 
During this time period, I received a letter by Capital One advising that I might be a victim of ID Theft, which I sent correspondence stating that I was and sent in all supporting documents. After long argument with customer service, I was able to get hold of the correct department, where I was asked what I would like to do with account and my correspondence was that I would like to continue having account with Capital One and take care of the restrictions on the account, which at that point there should have not been any issues with the account. Representative responded that they have already made their decision to discontinue the relationship. I requested to have the remaining balance in the account to be sent to me, when representative advised me that I will need to contact the third party and dispute the transaction on their end, which I do not believe is the right procedure when the bank closes someones account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-11
Company: Paypal Holdings, Inc
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
I have an account with Venmo , LLC that was created with my old cell phone number and my existing email address. When I created the account I linked it to my primary bank account ( which is still on the account ). The handle is XXXX XXXX 

On XX/XX/XXXX a family member paid {$110.00} to this account ( Payment ID : XXXX ) but I am unable to access my Venmo account and my money because I do not have access to the cell phone number I had when I created the account. I have the correct login credentials ( login and password ) but Venmo is requiring a two-factor text to verify my identity. 

I contacted Venmo to help me reset the account. I provided my email address and banking details at their request ( which is supposed to unlock my account ). 

Venmo is insisting that I provide a scan of my face and Government ID to reset my account. They specifically said not to omit or cover any information on your ID. I think I should not have to hand over this personal data to this company since I have no assurances they will use it responsibly. 

I find it very disconcerting that they do not have a process to unlock my account without providing them with a scan of my ID and my face. They also have no way of reaching customer service except for submitting a case through their website and waiting for someone to correspond via email. Most responsible financial institutions have a process to establish identity by answering security questions or identifying past financial transactions known only to the real account holder ( old address, mortgage lender, etc ). Its almost like they are capturing my money by design.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-26
Company: Santander Consumer USA Holdings Inc.
State: VA
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Company requested additional information because they cant find the account. The account number is XXXX Santander sold the repossessed vehicle for under market value ( {$3000.00} ) and inflated a demand for payment to {$13000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-17
Company: Nationwide Recovery Systems, Ltd
State: AZ
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I recieved a notice on my credit report in XXXX That i owe an amount I never recieved a noticed and first of all I havent been to a doctor in years, years and we all know when we do go to a doctor they have us sign a document that says our information cant and will not be sent to a third party. But you lied they say I owe XXXX this need to be removed off my report ASAP because its not right why have a law if we not going to abide by it? Its a crime and I know if I submit a crime Ill be in jail right? Ok then I dont even have an account number with them

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-19
Company: Pendrick Capital Partners Holding, LLC
State: TN
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I recieved bills from a collection agency on XX/XX/2018. I called them and tried to figure out where these bills were coming from they refused to tell me over the phone. A week later i found out that they are not licensed in the state of tennessee to collect the debt. And i habe also requested validation of the debt. I have not heard from them. I just want to see why and how they can collect a debt in a state that they are not licensed in when they have to be licensed and bonded in the state of TN according to TN CODE - TFDCPA 62-20-101 and 105 thru 127. The company is XXXX XXXX XXXX.

Company response to consumer: Closed with explanation