BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-08-16
Company: CNG FINANCIAL CORPORATION
State: CA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Received call from XXXX  XXXX XXXX representative stating I did not pay for the loan that was taken out on XX/XX/2018. I have previously taken payday loans from this company and have paid for all of them but this one was not me. I did not receive any emails or notification that a loan was taken out and I checked my bank account and funds were not deposited into my account. I logged in to the website and the bank account associated to my account is not mine. I don't know how it was changed and advised the representative that this was fraud. They advised me to log into a website to submit a fraud request which I did. Within a week I received fraud paperwork which I filled out and send to them. On XX/XX/18 I received a communication from XXXX XXXX XXXX advising that this debt is now been acquired by another company and I am now receiving collection calls from a debt collection agency. I contacted XXXX XXXX XXXX on XX/XX/18 and advised I had opened a fraud case and of the communication I had received and they advised me they would have a fraud representative contact me in 48 hours. I have not received anything from them and continue to receive phone calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-29
Company: WELLS FARGO & COMPANY
State: GA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I was deceived into applying for a mortgage with Wells Fargo Bank on or about XX/XX/2018. I had previous experience with them as both a mortgage loan originator, and as a mortgage loan servicer, so I had no reasonable reason to believe that they would operate in any deceptive manor. 
I worked with Loan Officer XXXX XXXX XXXX ( NMLSR ID XXXX ), Loan Processor XXXX XXXX ( NMLSR ID XXXX ), and Sales Manager XXXX XXXX XXXX ( NMLSR XXXX  ). 
On XX/XX/2018 I was charged {$500.00} for what was supposed to be an independent appraisal that was supposed to be completed by a competent source, and was not to be controlled or influenced in any way by Wells Fargo Bank/Home Mortgage. 
That was absolutely not what occurred. Wells Fargo not only chose an unqualified and under compensated appraiser, they also put undo stress on the appraiser to control the outcome by limiting the appraiser 's ability to properly comp the property.

The Appraiser XXXX XXXX XXXX ( GA License # XXXX ) told the agent upon arrival that he hated doing appraisals for Wells Fargo, as they limited his scope, and they underpaid for the job. He was only paid {$280.00} for the appraisal, of the {$490.00} invoice. 
In turn, Mr XXXX XXXX completed the appraisal at a value {$170000.00} below sales price. 
At that point, I brought this information to the attention of the licensed parties at Wells Fargo, and filed a formal complaint with their Compliance team, only to be left hanging with no result. As they simply denied the accusations, and confirmed the value with their Appraisal Escalation team.

There have been 2 formal appraisals completed following this by other appraisers, 1 opinion of value completed by a 3rd appraiser, and 2 BPO 's completed by Agent/Brokers, all of which support the market value, and completely discount the appraisal completed by Mr XXXX XXXX. 
Wells Faro has refused to refund my money.

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 2018-07-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
I reached out to capital one in XXXX informing them that I wouldnt be able to pay my full car note each month ( {$220.00} ) and the agent told me that I didnt qualify for lower payments or for me to skip a month and that my only option is to pay {$100.00} minimum each month and that would stop my car from repossession. Around XXXX I believe I started to receive calls from their collection department and I told the agent was the previous agent told me and she said that was correct and that she would stop the calls. Fast forward to today, XX/XX/XXXX, I receive an email from capital one stating that my car is heading for repossession. So I called the finance department just to be insulted by the agent who stated {$100.00} isnt enough when will you get a job Im appalled by the practices capital one has chosen to take when Ive kept up my end of the bargain by making {$100.00} payments each month just to be told oh those only went towards XXXX and XXXX balances. I asked my options today just to be told there arent any and that I simply need to pay my FULL bill or my car will be repossessed. Lets be clear this car isnt even worth being financed. I am on my THRID engine with this car. Im too busy trying to repair it that I can afford repairs and the car note on top of loosing my job. Im just disgusted how they handled this entire Situation. Ive ALWAYS paid my car note in full and the one time I cant Im harassed with threats of repossession. Oh and since all calls are recorded please feel free to go back and listen to all three calls

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-07
Company: BARCLAYS BANK DELAWARE
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I received a letter from Barclays Bank stating they needed more information for a Master Credit card that I did not request and was a fraudulent ID theft using my personal information. I called a number of times in order to confirm by letter that the fraudulent account was not mine and that I would not be liable for the account and that it should be removed from my credit report. I have called countless times and wrote two letters to resolve this issue and I am still waiting for their response to this issue from XXXX XXXX, 2022.

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 2018-08-16
Company: Zenith Financial Network Inc
State: CA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Received call from XXXX XXXX XXXX representative stating I did not pay for the loan that was taken out on XX/XX/2018. I have previously taken payday loans from this company and have paid for all of them but this one was not me. I did not receive any emails or notification that a loan was taken out and I checked my bank account and funds were not deposited into my account. I logged in to the website and the bank account associated to my account is not mine. I don't know how it was changed and advised the representative that this was fraud. They advised me to log into a website to submit a fraud request which I did. Within a week I received fraud paperwork which I filled out and send to them. On XX/XX/18 I received a communication from XXXX XXXX XXXX advising that this debt is now been acquired by another company and I am now receiving collection calls from a debt collection agency. I contacted XXXX  XXXX XXXX on XX/XX/18 and advised I had opened a fraud case and of the communication I had received and they advised me they would have a fraud representative contact me in 48 hours. I have not received anything from them and continue to receive phone calls.

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 2021-09-01
Company: Convergent Resources, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
The company XXXX has put my debt In collections. I open it XX/XX/2019 & paid off any debt i owed. This new debt that is in collection I have no knowledge of. I left the company with everything paid off. Now I have a negative balance under my credit & I cant open any phone line. Im going through financial stress because of this & need it remove. I dispute the issue at-least once a month with no solution. I want to fix this issue as soon as possible. The amount is {$1500.00}. The collection agency the debt is in is called consumer outsourcing inc. this is very unfair & is a billing error.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. See the documents attached. 
XXXX XXXXXXXX XXXX XXXX .... Date opened XX/XX/2012 Balance : {$5000.00}

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 non-monetary relief
Consumer complaint received 2023-05-11
Company: I.C. System, Inc.
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: Information belongs to someone else

Complaint:
I have three accounts on my credit report that I have not authorized. The following accounts are : XXXX XXXX ( {$430.00} ), XXXX XXXX ( {$1800.00} ), and XXXX XXXX ( {$260.00} ).

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 2018-07-18
Company: MARINER FINANCE, LLC
State: NJ
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
I recently went on XXXX XXXX XXXX beginning XX/XX/2018. I purchased insurance with my loan that will cover XXXX XXXX XXXX when I first opened the loan. Mariner Finance requested I send medical proof. I sent medical proof. I was advised by Mariner Finance that they wanted the same medical proof two weeks later. I provided that proof. In the meantime I get a letter from the insurance company advising they approved my claim and I spoke to a  representative who advise me they paid out my loan till XX/XX/2018 and due for XX/XX/2018 and that action has been completed. Mariner representative in the XXXX office is claiming I need to keep sending medical proof every few weeks and won't apply a full monthly payment but rather pay partial payment for one month. Insurance advised they no longer need any proof. Mariner keeps advising that insurance company needs proof every two weeks. I don't agree or think its lawful and fair business practices to ask for medical proof every two weeks and not apply the funds the insurance company, I pay, approved to my company upfront till XX/XX/2018.

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 2018-07-18
Company: LEXISNEXIS
State: OK
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 filled out an application for a contruction loan and a consolidated credit report was pulled from all 3 credit bureaus. I was asked by the bank about a judgement that showed active on the report. I asked him which bureau it was and he said he did not know. I then proceeded to pull all three of my credit reports and it showed no judgements on them. I called the bank back and asked about the report he pulled that showed the judgement. He said that the company was Lexis/Nexis. I never heard of them before. My complaint is that if my credit worthiness and score is being pulled from the combine of the three recognised bureaus, then why is this company ( Lexis/Nexis ) able to interject their own information gathered onto my report. To make things worse, the information was out of date and I had to file yet another dispute with a company that I bet no one has heard of. Sounds as if they are trying to weasle their way into the system as another credit bureau. Please, help clear this up for me. I think that they should not be aloud to add stuff that is not being reported by the 3 original bureaus!! Thank you for your help with this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-07
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: Their investigation did not fix an error on your report

Complaint:
XX/XX/2023, I sent a letter to the courthouse asking do the report bankruptcies to the credit bureaus and I got a letter stating They do not report any bankruptcies to anybody. So if thats the case. How did the credit bureaus verify my bankruptcy as 100 % Accurate. They never did a fair investigation according to the 15 USC 1681.

15 USC 1681 section 603 ( 3 ) ( E ) States ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

They also violated my rights numerous times. 

The credit bureaus violated my given rights under 15 USC 1681.

According to : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

According to : 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions According to : 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-01-26
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
XXXX XXXXXXXX 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 XXXXXX/XX/XXXX XXXX XX/XX/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 2018-08-16
Company: Experian Information Solutions Inc.
State: MO
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: Problem with personal statement of dispute

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, 2018 {$320.00} XXXX XXXX XXXX XXXX, OH XXXX ( XXXX ) XXXX This is a collection on my Experian credit report that is so in actuate, that it is fraud. I never had treatment from this Dr., nor do I owe any money. This Company " XXXX XXXX '' tried to hit my other credit reports with the same charges and they where removed indefinitely. And placed under fraud. Please help thanks

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 2018-08-16
Company: ECMC GROUP, INC.
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
XXXX XXXX has been calling me at work over a debt of taxes from Indiana Department of Revenue. XXXX XXXX has been paid in full. This week XXXX XXXX put a levy on my bank account with XXXX fraudulently. 

XXXX XXXX is nothing but fraud. All the payments that they collected from the State of Indiana has never been transmitted to Indiana at all. XXXX XXXX obviously kept the money for themselves. I have proof from the bank that all funds were transmitted to them. I have shown them. Plus XXXX XXXX was licensed in Arizona in XXXX ; they debt goes back 15 years in XXXX therefore they don't have the license to collect the debt either.

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 2017-09-20
Company: TCF NATIONAL BANK
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
ON XXXX/XXXX/XXXX GATEWAY ONE LENDING APPROVED A AUTO LOAN FOR {$28000.00}. THE AUTO WAS INVOLVED IN AN ACCIDENT WHERE IT WAS PAID OFF BY XXXX XXXX AND US WARRANTY ( GAP INSURANCE ). 
GATEWAY ONE LENDING HAS REPORTED THE ACCOUNT AS A CHARGE OFF ACCOUNT. IN THE CREDIT REPORT IN THE REMARKS SECTION IT REPORTED " UNPAID BALANCE CHARGED OFF '' FOR {$5900.00}. I CONTACTED THEM AND THEY SAID THAT BECAUSE THE US WARRANTY PAID LATE THAT THEY REPORTED THE CAR LOAN AS A CHARGED OFF. I STATED TO THEM THAT I MADE MY PAYMENTS UNTIL THE CAR WAS PAID OFF. I HAVE TRIED EVERYTHING TO GET THIS RESOLVED BUT NEITHER GATEWAY ONE LENDING, US WARRANTY, OR XXXX HAVE A CORRECT ANSWER OR SOLUTION TO THIS PROBLEM. 
THE LAST PERSON THAT I TRIED TO CORRECT THIS PROBLEM WITH WAS A : XXXX XXXX, XXXX. THIS REPORTING IS AFFECTING MY CREDIT SCORE AND I HAVE ALREADY LOST XXXX JOBS DUE TO THIS INFORMATION. THIS IS NOT FAIR.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-18
Company: PNC Bank N.A.
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On Tuesday XX/XX/XXXX through a XXXX ad I bought tickets to a XXXX XXXX concert. After speaking to XXXX on the phone he told me to send him the {$300.00} using XXXX. 

I have never used XXXX before but figured since it was through my park PNC I would have protection from a scam. 

I was wrong I wired the money to XXXX XXXX XXXX He accepted my money and my tickets never showed up. 

My number was blocked from calling his and the ad was still on XXXX. My stepmom even contacted him and he did the same speech to her. She three-way me in the call and I asked for my money pack and he hung up and blocked us both. 

I immediately called PNC to stop the transaction but XXXX had already accepted and the transaction was pending. 

I was told to wait until the money posted to file a claim. Tuesday evening I called my police office and filed an incident report. 

I called PNC on Wednesday the XX/XX/XXXX and was told there is nothing they can do since I authorized the transaction. There is no scam protection. And even though I called the day it happened they could not put a hold on the money even going out of my account

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-26
Company: WELLS FARGO & COMPANY
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Excessive fees

Complaint:
Wells Fargo has charged me for overdraft fees and overdraft charges for bill pay.

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 2020-04-04
Company: Credit Control, LLC
State: FL
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:
Hi, I have a problem ... This company say I owe them money??? ... How when I'm in XXXX Florida?? Also I meet people in person ... Also they call me asking if I'm this guy or that guy?? 
I don't know these people nor ever delt with them

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