BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-01-29
Company: WELLS FARGO & COMPANY
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Their investigation did not fix an error on your report

Complaint:
ALERT ALERT FRAUD ADDRESS OFFICIALKY STATED IN WELLS FARGO BANK XXXX XXXX financial crimes investigator for wells Fargo bank Well Fargo bank Customer assistance center XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NCXXXX FACTS I sent 20 faxes to invalid faxXXXX given to me by XXXX XXXX ( recorded with XXXX paid fax service ) I requested XXXX XXXX to fax her identification and a copy of the XX/XX/2019 dated wells Fargo letter of my identity theft caseXXXX and fraud and forgery case XXXX as per XXXX at wells Fargo. Recorded with wells Fargo. And required forms for my legal records. NO RESPONSE FROM XXXX. PERIOD. 
I refaxed all 20 faxes to wells Fargo bank XXXX XXXX XXXX XXXX XXXX va XXXX XXXX to forward all info to XXXX XXXX AT THAT FRAUD ADDRESS on the WELLS FARGO dated letter attached.. XXXX did not advise me from last weeks communication that the address was not valid. 
I notified XXXX XXXX XXXX # attached screenshot ..at Wells Fargo of the events and to advise me IF there was a XXXX XXXX . No response from XXXX XXXX in this matter. 
So again Wells Fargo bank from my initial in persons reports of fraud activity done in my names reported since XX/XX/XXXX-XX/XX/XXXX-XX/XX/XXXX @ XXXX XXXX XXXX XXXX XXXX XXXX .va has not responded appropriately ALL MY PERSONAL INFO WENT TO A WELLS FARGO BANK FRAUD ADDRESS that I was specifically instructed to do so by a wells Fargo bank financial crimes investigator by the name of XXXX XXXX . Letter attached. Mr XXXX phone # attached. 
I called wells Fargo bank again today and spoke to XXXX AT XXXX XXXX XXXX XXXX XXXX va. And XX/XX/XXXX confirmed that the address WAS NOT A VALID WELLS FARGO LOCATION. PERIOD

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 2018-03-09
Company: CITIBANK, N.A.
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
We have been great Citi card users for the past 5 years and have not been notified of any issues. The account was active as of 2 days ago. However, yesterday during a purchase at a local XXXX, the card was declined. We called Citi customer support and they mentioned that the account has " sensitive '' information that they can't see any additional information and instead asked us to write a letter to a XXXX XXXX XXXX XXXX . 

We elaborated that we were never notified of this through any means ( phone, text, etc. ) and suddenly the account was closed and in XX/XX/2018 - is now asking us to write a physical letter ( turnaround time ~weeks ) to find out more information. XX/XX/2018 - where the advertisement is Citi access through my phone, XXXX, XXXX, online, that we have to now write a letter to find out more is ridiculous on such an urgent matter.

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 2018-03-11
Company: Paypal Holdings, Inc
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
The Bad Guys are Paypal!!!!!! Thank you for contacting us about your recent PayPal XXXX XXXX transaction in the amount of {$74.00}. 

We are researching the transaction but need you to send us the following statement, in its entirety, to assist with the dispute : Please reply by XX/XX/XXXX. You can simply reply to this email, send the information to XXXX, or fax it to us at XXXX, Attn : DC Chargebacks. Make sure that you include XXXX in your subject line or on the coversheet. 
Transaction Date XX/XX/XXXX, Transaction Amount - {$160.00} USD, Merchant Name XXXX & XXXX XXXX  XXXX - Transaction Date XX/XX/XXXX  Transaction Amount - {$22.00} USD, Merchant Name XXXX XXXX XXXX XXXX - Transaction Date XX/XX/XXXX, Transaction Amount - {$11.00} XXXX, Merchant Name XXXX XXXX  XXXX XXXX NY - Transaction Date XX/XX/XXXX, Transaction Amount - {$14.00} XXXX, Merchant Name XXXX FILL XXXX XXXX NY - Transaction Date XX/XX/XXXX, Transaction Amount - {$67.00} USD, Merchant Name XXXX XXXX XXXX - Transaction Date XX/XX/XXXX, Transaction Amount - {$12.00} USD,  Merchant Name XXXX XXXX HA - Transaction Date XX/XX/XXXX, Transaction Amount - {$9.00} USD, Merchant Name XXXX XXXX # XXXX XXXX - Transaction Date XX/XX/XXXX, Transaction Amount - {$3.00} USD, Merchant Name XXXX XXXX XXXX XXXX  also have to pay out {$75.00} in late payment fees in all of my bills and utilities and student loan payments and car payment along with rent! because the bad guys shut the account because i told them the truth! 

*I did not authorize the following transaction : XX/XX/XXXX XXXX {$74.00} *The transaction is unauthorized because : From The Bad Guys

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-02
Company: EQUIFAX, INC.
State: AL
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:
( 1 ) On XX/XX/2018, a XXXX XXXX representative ran a credit application without my consent, which caused me to have an unauthorized inquiry on my credit report. I contacted XXXX XXXX, they did their internal investigation and confirmed that the application was unauthorized. They indicated that they would contact Equifax per their protocol to confirm and follow up with a written statement stating that it was a fraudulent issues. ( copy attached ). 

( 2 ) On XX/XX/2018, someone opened a XXXX cellphone account in my name. the phone was sent to me. I contact XXXX and informed them of the issues and indicated that I did not attempt to open a new account with XXXX. The cellphone was returned as instructed and after they completed their investigation they too confirmed that the account was a fraudulent account. They indicated that they would contact Equifax per their protocol to confirm and follow up with a written statement stating that it was a fraudulent issues. ( copy attached ). 


I have filed disputed with Equifax at least XXXX times regarding these issues and attached copies of the documents that were forwarded to me from the above companies to use as proof, but Equifax refuses to remove the inquiries from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-10
Company: Monterey Financial Services LLC
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
We were sold a timeshare by XXXX XXXX XXXX in XXXX in XX/XX/XXXX. We paid a 10 % deposit and made 6 months ' worth of payments. We tried to make reservations but there was never any availability. We tried to contact the sales department via email and phone, but they never responded. Because of their lack of response and no availability we discontinued our payments. Our account was canceled and closed by XXXX XXXX on XX/XX/XXXX. Two months later XXXX XXXX XXXX began calling us and trying to collect {$14000.00} on behalf of XXXX XXXX. The caller was very aggressive and threatening in her language. We had never stayed at the property since our initial visit in XX/XX/XXXX. We were not able to reserve any dates at the property. This timeshare company is a scam. We should not have to pay for something we never used and could not use. XXXX XXXX XXXX should not be calling us to collect for a canceled and closed account that was never used.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-05
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
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 have contacted the company on numerous occasions in reference to this debt. 

However, the company is verifying this debt as mine with a simple bill statement. Not only is that not proper verification, its important to mention I have sent the company over a copy of my police report as well for identity theft. 

Portfolio Recovery {$900.00} Account number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-25
Company: CNG FINANCIAL CORPORATION
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Can't stop withdrawals from your bank account

Complaint:
Well unfortunately they have a third party contacting me telling there filing next I will be arresst again this loan is so old so I had no idea what is going on this was way back XXXX, I had given them a check from my account that was active again I havent lived in Texas since XXXX its now XXXX, now they telling me I have to pay right away. The Loan Company Is Check & Go, I Havent Heard From Them Since.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-02
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In XXXX my husband and I contacted XXXX XXXX  XXXX to purchase a truck. We have purchased several trucks from them. On XX/XX/XXXX, my husband and I contacted XXXX XXXX  XXXX and agreed on a vehicle we wanted to purchase with our trade in. We made an appointment to go to the dealer on XX/XX/XXXX. We ultimately purchased the vehicle on that Saturday, XX/XX/XXXX.  Upon reviewing my credit report, I learned that XXXX XXXX XXXX had made an inquiry into my credit report on XX/XX/XXXX. This was prior to : 1 ) walking into their dealership. Communications were by email and phone ; and 2 ) Signing any documents allowing them to pull my credit report for financing purposes. I believe this practice is illegal. They had our information due to prior purchases at this dealership. However, until documents are signed, I believe that they do not have the right to look into my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-30
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 information incorrect

Complaint:
On XX/XX/XXXX, while reviewing my Experian credit, I noticed my mortgage company, XXXX XXXX XXXX ( XXXX ), shows my loan terms as 600 months. I did not sign any documents with XXXX  to change the terms of my loan. However, my credit report shows that the term with XXXX XXXX was 360 months. 

Additionally, XXXX 's credit reporting shows that my mortgage account was opened with them on XX/XX/XXXX, but they were not my mortgage company until XX/XX/XXXX when XXXX XXXX transferred it to them. 

I have sent a message to XXXX to address this matter but have not received a response. Also filed a dispute with Experian.

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 2018-04-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
Electronic payment made. Bank of America accepted payment, then, although the payment had cleared my bank ( over {$4600.00} ), BOA put a payment processing hold on it and continued to charge interest. 
Call to BOA was frustrating ; they said they would call my bank to verify funds. This was an ACH payment. If funds had not been good, it would have reversed immediately. The bank knows that. 
If the practice of placing a hold on ACH payments is not illegal, it should be. 
Since banking system involved ACH, payment initiated on the XXXX that cleared on the XXXX would be well known to the bank. Except BOA is well known for trying to rip off customers.

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 2021-03-30
Company: Go Capital Holdings, LLC
State: FL
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I had purchased a auto from at the time a company called go financial I took possession of the car XX/XX/XXXX the car was repossessed on may XXXX. These company during the process was very deceptive with the terms i have been disputing this auto with Go financial since XXXX they refuse to remove the item from my consumer reports which is illegal. If you check my reports now they have my car being taken repossessed in XX/XX/XXXX, but XX/XX/XXXX the company list the car as charge off. They never shared any information with my after car was sent to be sold. The company now is bridgecrest. This company is violating many of my rights as a consumer, and has stopped me from being able to have a fair consumer report. Before the repo i had a deferment with company, and still was repossessed the abusive practices that were used during the duration of our consumer credit transaction are illegal to share my information with other consumer reporting agencies is in infringement of my privacy. I am so upset as a consumer to know that these practices actually take place everyday with hard working consumers i demand that this company takes action immediately and remove this auto from report. I am the original creditor that extended the credit to this corporation to make this process possible there are many federal laws that i was use to make sure that justice is served pursuant to 15 usc 1681a ( 2 ) ( b ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device " should be excluded from all consumer reports. My Credit card as a consumer is my social security number that i used to make this transaction. I demand that this company remove this account from my account, and compensate me for the violations. for violating my privacy, and most important for the unethical practices.

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 2020-12-01
Company: CMRE Financial Services, 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 status incorrect

Complaint:
There is a collection account from CMRE that was opened XX/XX/2020. They have placed a note on the account that this was " reaffirmed in bankruptcy. '' I have never filed for bankruptcy. Ever. 
Some additonal info below : {$340.00} IN COLLECTIONS CMRE XXXX ACCT XXXX XX/XX/2020 LAST TIME REPORTED

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 Account # XXXX was opened on XXXX, XXXX. The account was disconnected on XX/XX/XXXX. The account balance was paid in full. The customer service representative promised that the security deposit will be refunded after receipt of Box-Set Top Box and Router. The Box-Set Top Box and Router were packed and dropped off on XX/XX/XXXX and the XXXX office issued a drop-off receipt. XXXX never refunded the security ; however, I received another bill for {$60.00} for unexplained reason. In response to repeated calls to the different departments, an adjustment to the account was finally made on XX/XX/XXXX and {$59.00} credit was issued but the account was reported as delinquent to the credit agencies ( TransUnion, XXXX, and XXXX  ) in  XX/XX/XXXX. I made multiple attempts to reach XXXX offices in XXXX, TX ( XXXX XXXX ) and at XXXX XXXX, MO ( XXXX XXXX ) but no one attended to the calls. I have excellent credit history but need assistance from your agency to avoid exploitation and unnecessary harassment of consumers like 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 2018-03-10
Company: TD BANK US HOLDING COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I am a victim of fraud. On XX/XX/XXXX I made a deposit on my checking account with a Cashier 's  Check provided me by a supposed employer, to perform an assignment, in the amount of {$2800.00}. I withdrew {$2400.00} from the account on XXXX when the funds became available. 

On the XXXX when I checked my account on-line to see if I had received my unemployment deposit, I discovered my account was overdrawn a little over {$1800.00}. I ran to the branch to find out why. I was informed the check deposited was fraudulent. 

The bank should not have made the funds available knowing I never had funds in my account since XX/XX/2017 to cover those funds. The cashier was not savvy to realize when cashier check was given was fraudulent. 

I spoke to a customer service rep in the bank and said they could not help me. They did not report my complaint to the fraud department. I proceeded to call the police and make a report. 

On a later date I went to another TD bank branch and the customer service rep was very helpful. He reported the incident to the fraud department and sent them documentation showing clearly I was a victim of fraud. 

The customer service rep. proceeded in assisting me with closing a savings account I had and open a new account so I can do my bank transactions since the other checking account was under investigation. 

I am claiming the previous balance estimated around {$200.00} and my unemployment check which were taken from me and overdraft fees due to this incident. 

Please see documentation attached.\ I re-deposited the sum of {$1700.00} cash into another checking account as per the instructions given me by the employer to the same branch on the XXXX. The account was then restricted.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-02-12
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I Contacted XXXX XXXX XXXX XXXX and they are saying that my credit reporting is accurate and want fix the error that i am complaining about.they are reporting a paid charge off account as paid in full charge off along with payment history of a charge off in 2020 which shows up as a recent missed payment. 

i was convinced to pay the charge off in full in exchange for a pay for deletion and to be removed from XXXX. i was removed from XXXX  but the updates on my credit reports are inaccurate across all 3 reporting agencies.everytime i address this issues with XXXX XXXX there response is to prove the account is mine which is the wrong reason i'm disputing this account.i am disputing the payment history that is being reported as a missed payment in different forms with the 3 credit reporting agencies. 

I will attach the 3 credit reports and show the inaccuracies clearly, i do not know what else to do as far as showing the inaccurate reporting that is being reported as accurate. it has been almost 2 years of the same thing from XXXX XXXX XXXX XXXX. 

XXXX XXXX XXXX XXXX can clearly see the error but refuse to fix by replying with account verification documents, which clearly is not being disputed. i am disputing payment history reporting errors which should say settled or no data because the only comment should say paid charge off as agreed or Settled if that cant be reported across all 3 reporting agencies. 

attached are Equifax and XXXX  reporting

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-09
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 hope your day is going well, but I need your help. I noticed the following issues with these accounts on my credit report : XXXX XXXX XXXX Inaccurate XXXX/DOFED XXXX Inaccurate XXXX XXXX XXXX XXXX Inaccurate XXXX  XXXX XXXX XXXX Inaccurate I did some reading on the internet about credit reporting laws, and from my understanding if a consumer finds errors on their credit report, they have a right have them fixed, right? 
I got this information from the FTC, and the CFPB. This incorrect information on my credit report is causing problems when I try to apply for credit. Please investigate this matter, and get back with me when you are finished. I hope this will be soon. 
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 explanation
Consumer complaint received 2021-02-12
Company: The CMI Group, Inc.
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Not sure if this is legit but it seemed very strange and needed to report it just in case.On XX/XX/XXXX, I had received a phone call from XXXX XXXX (? ) from a " Credit Management LP '' company out of Texas # XXXX They requested that I verify who I was before stating the nature of the phone call. They had asked me to Verify my address, it was an address from a different state with the incorrect spelling of my name.They stated I owed {$250.00} for XXXX XXXX in Georgia. Not sure if they were legit or not, but did verity information. They did have the last 4 digits of my Social Security, but did not give them anything else. I never had an account with XXXX XXXX. They then transferred me to XXXX and spoke with XXXX, XXXX. Went through the account with me when it was opened and closed. The account opened XX/XX/XXXX until XX/XX/XXXX. Again I never lived in the state the account was held in. He sent me a fraud form to fill out but it required a copy of my license. I will not give that out.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief