BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-09
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
This refers to the news release from CFPB regarding the refund or share on the XXXX XXXX settlement by Wells Fargo. As stated, the bank says they contact directly to the consumer. I called the bank and told me they don't know a thing. I think I deserved to get paid as I have filed a complaint regarding the illegal activities of this.bank on overdraft fees ( XXXX ), which they continue to do. Not to mention that they hold the deposits if you have negative balance so they can charge you more, instead of recovering they kick you when you are down.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-30
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Equifax and XXXX  are reporting incorrectly that I am ( 120 ) days late on USD/XXXX  partial account numbers ****XXXX ; ****XXXX  and ****XXXX. ( Please see pages attached from my credit report. ) These accounts report a  {$0.00} balance and {$0.00} past due. I am not disputing any prior late payments however, these accounts are being reported as if I am past due in present day. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due. This false reporting of lates is seriously harming my credit score and these line items needaf to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-05
Company: Receivables Management Partners, LLC
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
To Whom It May Concern : On today, XX/XX/21, at XXXX PM, I received another one of many repeated telephone calls from FNC Control SVC XXXX. The call originates as a pre recorded message stating this is an attempt to collect a debt. You are not given any information as to the amount of debt, type, who the debt is owed to, nothing. It does offer a number to call for more information or " Press # 1 '' to speak with someone now. So today I decided I would do just that and try to stop the calls. However, upon pressing 1, it just disconnects the call. I have no outstanding debt that I am aware of. We do have debt don't get me wrong. I have a mortgage, credit card, etc., but they are all paid on time. These calls are relentless and typically right as we are about to sit down to have dinner. I am registered on the do not call list which doesn't seem to help entirely. If there is anything that you can do I would greatly appreciate that. I know they have a job to do and it isn't the middle mans fault but these calls are beyond a nuisance. Thanking you in advance.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-26
Company: TRANSWORLD SYSTEMS INC
State: VA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
On XX/XX/XXXX, I spoke with XXXX XXXX from Transworld collection agency and he was rude and would not allow me to speak or ask questions. He specifically stated in my first call with him if youre not calling to pay, then you dont need to be calling. I called to make an arrangement to pay a SIF of {$5300.00} and I called on XX/XX/XXXX to advise that my check may not be available to pay the full settlement on this Friday due to my withdrawal n to pay this being a check that is in the mail. I do not have control over when I will receive this check in the mail. I then spoke with XXXX and asked that he reach out to the lender for an extension because I have every intention to pay the settlement of {$5300.00} when my check comes in that I have taken out to pay this loan off. This company acts as if they can not work with the consumer and makes speaking with them and paying this debt very hard. It feels like I am dealing with the mafia and they are making this process difficult.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-05
Company: MVBA, L.L.C.
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
I received an unsolicited text message from ( XXXX XXXX XXXX. The sender represented themselves as being from MVBA and working with several cities and courts in the State of Texas. I am attaching a copy of the text message which appears to be attempting to contact a XXXX XXXX XXXX. That is not me and I have no idea who it is. I do use ID protection software, and have received notifications that associate my phone number with this individual in XXXX VA. 

I called the XXXX number listed in the text message, but no one answers.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-11
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX XXXX set me up with equipment that raised my bill and failed to fix a problem for 7 months, and had me renew my contract under false pretences by sending a technician to my home and tricking me into believing that my service issues were resolved, and they were not. So I cancelled the contract under false representation of their service. XXXX is trying to charge me an early termination fee for which I dispute being I would not have renewed with XXXX if they would have fixed the issue with my boxes buffering. While we are still in the process of negotiating a fair price XXXX reported a collection on my credit in an attempt to denigrate my character. I have not had a late payment or collection on my credit in over 15yrs. And the final decision had not been communicated to me as a matter of fact no manager has called me back as of date. Nor has their been any attempt at reimbursing me for the 7 months that my service was not working. The collection has not been resolved yet XXXX reported to the credit agencies without attempting to return my 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 non-monetary relief
Consumer complaint received 2021-04-05
Company: Square Inc
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
On XX/XX/2020 I initiated a transfer of {$9000.00} from my Cash App balance to my linked external bank account. The funds were never transferred and I was subsequently unable to access my Cash App account, having received notifications that my mobile number and email address had been unlinked. Upon contacting their support, I was only informed that my account had been closed. As per terms and conditions set forth by Cash App, the money transfer must be made. I have incurred substantial expenses as a result of their failure to complete the transfer in the timeframe specified. Screenshots showing my balance and transfer to my external account are attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-26
Company: Resurgent Capital Services L.P.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint:
COLLECTION AGENCIES DEMAND PAYMENT ON ACCOUNTS OUTDATED PAST STATE OF CALIFORNIA STATUE OF LIMITATION 4YRS OPEN ENDED/ CREDIT CARD ACCOUNTS ... SINCE XXXX XXXX, 2015 OVER 5YRS OLD AND NOT MY ACCOUNTS/ NEVER DONE BUSINESS WITH COMPANIES : " XXXX XXXX XXXX XXXX, RESURGENT CAPITAL SERVICES/ XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX ''

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-23
Company: MoneyLion 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: Account information incorrect

Complaint:
I have been dealing with a loan that I had with MONEYLION INC . I went through a debt settlement program with a company named Settle It. The loan that I had was settled by them and paid as agreed via a company named XXXX XXXX  XXXX. This is the company that actually paid MoneyLion Inc. MoneyLion Inc. REFUSES to acknowledge that this loan has been settled and PAID. I have copies of the settlement agreement as well as the copies of the payments made to MoneyLion Inc . I have sent this documentation to all three credit bureaus and MoneyLion insists upon not acknowledging that the account is settled in full!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-08-12
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
This is an unfair system to be ignored and taken advantage of while plenty of laws are broken due to malpractice and the severity of not taking my situation seriously. Has caused Financial injury and defamation of character along with 60 plus days of no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-24
Company: CITIBANK, N.A.
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: Account status incorrect

Complaint:
We have had this dispute with Citi for over a year. We assumed this issue was taken care of because we didn't hear from them anymore. We had an issue with Citi saying we owed them {$6200.00}. We told them that XXXX which our balance transfer went through had a positive balance of the {$6200.00}. It was a long drawn out process but XXXX finally released that money back to Citi in XXXX. Now you would think this story is over since Citi now has that negative balance paid off. It's not. I thought my credit score would have gone back up after paying off that balance. I use XXXX XXXX  and there was nothing on there that had Citi on there anymore. It was like it never existed. Which is what we wanted, but my score remained the same. When I contacted XXXX  they told me I have a {$6200.00} balance with Citi. I said, no, that was paid off in XXXX. They said, no sir, it is on there. XXXX XXXX doesn't show it you need to go directly to us to see it. Now I call Citi to see what happened now. It's been over a year of phone calls. Well evidently they put me on a, " do not communicate status. '' I am not sure what they even means but the girl on customer service said, we are not to talk to you about this account. I didn't even know what was a thing. So now I am sitting her with this hurting my credit score. I have a company that put me on a do not communicate with this customer. That means they haven't sent an e-mail, a letter, or anything telling me that my account still has a balance. They closed this account. I want this taken off my credit report. I am trying to not have to take legal action again to get this resolved. If that is what they want to do, then they have to let me know. I know XXXX thing, they will not be getting any payments from 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 2020-09-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 am writing to delete the following information attached to my file. The items I need expunged are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be removed to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible.

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 2019-08-28
Company: ERC
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XX/XX/2019 Creditor XXXX XXXX XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX XXXX XXXX Account number XXXX Amount of Debt {$820.00} Reference Number XXXX ERC XXXX. XXXX XXXX XXXX, FL XXXX I don't recognize this account. Someone stole my identity. I have never open this account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 reached out over a month ago and have never received any response

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 2020-11-04
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Problem with a trade-in

Complaint:
To whom it may concern, I moved to California from XXXX due to a job relocation on XX/XX/XXXX. Coming from a different city and originally located in the XXXX XXXX, I carried with me only my personal belongings. Therefore, once I arrived to XXXX XXXX, XX/XX/XXXXdue to the transportation being mainly here with a personal vehicle I prioritized this task first. I went to many dealerships and just when I was about to give up I went to XXXX XXXX. There on the evening of XX/XX/XXXX ( I remember because it was my Mothers Birthday ) the sales man showed me the XXXX  XXXX. They told me that this was basically the car to have, that I would be able to drive in the carpool lane alone, that it has no emissions, seat warmers, keyless entry, navigation ( GPS ), bluetooth, leatherette seats, auto-brakes, blind-spot warning, etc ... But one of the most important things is that the car would hold its value and that they would give me a card with $ XXXX to be used on fuel for the next 3 years. I purchased the vehicle for $ XXXX ( If I recall correctly ) and I gave $ XXXX down payment. 

Fast forward to XX/XX/XXXX, after the pandemic hit I have to make the hard decision to leave from California ( due to the pandemic ) so I went in to XXXX  XXXX again since the fuel for this Car is only in California I can not take it with me ( its liquid hydrogen - fuelcell XXXX - so I was hoping that I could trade-it in for a car that uses gasoline. The sales man was about to trade it for a XXXX when his boss came to speak to me to give me the terrible news that they can not accept my car as a trade-in. I was like, what?! Why?! ... They said that the car lost so much value that they could only accept it if I gave $ XXXX cash. Which it is just unreal. I bought the car, certified pre-owned from XXXX which typically already it had lost the biggest amount of value but now they are telling me that a car that I bought less than a year ago and which I still owe $ XXXX on it its worth around $ XXXX - I bet you can feel how ripped off I feel by the company. Not only that, they are still selling this car for more than $ XXXX which is the worst part since I feel that not only me but they are fooling other people. 

Now I am extremely frustrated that such a big company with a strong reputable brand played me for a XX/XX/XXXX and now I owe a car that I can't re-sell and they wont trade-in for a car that I can use out of state. 

This is why I feel like my only hope is to file this complain through you with a huge hope that you can help me find a solution to this terrible mismanaged situation as a consumer I have been robed, this is just not acceptable and they are still doing this to other consumers. I have the car loan with them - Toyota Financial. 

I humbly ask if there is something you can do to help me and also help others avoid this scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-20
Company: Convergent Resources, Inc.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX said i owed them money but I didn't because XXXX XXXX XXXX was suppose to send them money for a buyout program and XXXX XXXX XXXX never did sent money or phones that I turned into them for the biyout program and they never sent any money to me and they said they did but I got any money from them so XXXX put the agaist me and turned me into collection and it went on my credit report well I pay them in full {$1200.00} witch I should have never been responsable to pay that fee but im trying to buy a house and i need this deleted from my credit report. So can you help me get this done. 


.

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 2019-06-01
Company: BB&T CORPORATION
State: VA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
The problem is I will talk to someone at Regional acceptance and made payment and they will continuously keep calling. They call me up until XXXX at night. I asked them not to call me after XXXX because I am in bed and they said they have a right to call me up until XXXX XXXX. After I told them that continuously called me until XXXX with several back to calls. This at XXXX they started again with at least four calls in a matter of 2 minutes. I told them XXXX said she was my account Representative and they refused to listen. They call me from different phone numbers. I am getting interest everyday I am at XXXX for two car payments regional acceptance charges interest daily.

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 2020-05-27
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
Someone got hold of my credit information for XXXX XXXX, XXXX XXXX XXXX and used my cards which Ive contacted the company right away and they removed the negative items from my credit report and now its back

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-11
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XX/XX/XXXX EXPERIAN XXXX. XXXX XXXX XXXX, TX XXXX To whomever it may concern, I noticed that my credit report pulled through freecredit.com has many errors and inaccurate reporting. I believe you have them listed erroneously and I would like to have them removed immediately. Below are the accounts you have listed. 

1 ) DEPT OF XXXXXXXX XXXX {$7900.00} This account is not late and is showing on Experian only as late payments 2 ) XXXX   XXXX {$1500.00} COLLECTION ACCOUNT SHOWING AS A REVOLVING LINE OF CREDIT WITH PAYMENTS SHOWING I'VE NEVER PAID THIS AS I DON'T OWN THIS DEBT SO HOW CAN THEY REPORT THAT I MADE ANY PAYMENTS?? DOBLE JEOPARDY DOUBLE REPORTING 3 ) XXXX   XXXX {$380.00} COLLECTION ACCOUNT SHOWING AS A REVOLVING LINE OF CREDIT WITH PAYMENTS SHOWING I'VE NEVER PAID THIS AS I DON'T OWN THIS DEBT SO HOW CAN THEY REPORT THAT I MADE ANY PAYMENTS?? ALSO ISNT THIS A DUPLICATE UNDER DOUBLE JEOPARDY MUST BE REMOVED 4 ) XXXX XXXX XXXX THIS DEBT WAS REMOVED BECAUSE IT IS NOT MINE WITH A LETTER FROM XXXX XXXX SENT TO ME AS I WAS NOT RESPONSIBLE THIS WAS NOT MY ACCOUNT 5 ) XXXX XXXX XXXX XXXX {$940.00} THIS IS NOT AN INSTALLMENT ACCOUNT IT IS A COLLECTIONS ACCOUNT I DO NOT OWN THIS DEBT SO IVE NEVER MADE PAYMETS TO THEM HOW CAN THEY REPORT LATE PAYMENTS ON A DEBT THAT ISNT MINE? 
6 ) XXXX XXXX XXXX/XXXX XXXX {$3900.00} SHOWING 3 MONTHS OS LATES THESE ARE REPORTED WRONGLY 7 ) XXXX XXXX XXXX   XXXX XXXX THIS IS NOT LATE THIS CAR WAS TOTALED IN AN ACCIDENT AND INSURANCE PAID THEM LATE REMOVE THE NEGATIVE REPORTING 8 ) XXXX XXXX XXXX TIME SHARE LOAN WE HAD REMOVED FOR FRAUD BACK IN XX/XX/XXXX REMOVE THE LATE STATUS I HAVE THE PROOF THEY NEVER RESPONDED TO MY DEMAND TO PROVE LETTER. 

Please remove these accounts immediately. I understand that, by law, you have 30 days to complete your investigation of these errors. I trust that you will provide me with the procedure that you used to verify the accuracy of the information listed above. 

Thank you for your time. 
Sincerely, 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 explanation