BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-05-29
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: Was not notified of investigation status or results

Complaint:
I feel that these accounts are adversely affecting my credit report and costing me thousands of dollars in interest every year. This is not a regular dispute I have file a complaint with the federal trade commission and the better business bureau because to my knowledge I do not recall any these accounts. I need this problem fix ASAP. I should not have to wait another 50 days to receive no response because clearly you guys dont appear to care. I demand these accounts are deleted immediately or I will file for ligation due to the stress you caused me. Section 611 ( a ), it plainly stated that a failure to investigate these items within 30 days give a reason to immediately remove those item from my credit report it has been over 50 days so they should be deleted promptly

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-14
Company: Pinnacle Financial Group, Inc.
State: VA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I co-signed for an auto loan for my daughter whos is not paying. Pinnacle Financial Group call me up to 4 times every day. I spoke to my daughter a couple of months ago and we decided to surrender the car. The company advised us that they would send out a letter to fill out for voluntary surrender. the form never came. they kept calling me and i asked about the form. they said they would send out a new one and it never came. I do strongly believe they are lying to keep the interest  going upas long as they can. just yesterday XX/XX/20 they pulled a credit inquiry on my credit report without my permission. I do not believe that is legal. they have every right to report late payments etc ... .but i do not believe they have a right to pull a credit inquiry without my permission. this has caused credit score to drop even further.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-29
Company: Capital Management Services, LP
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/2021 I sent a certified letter in regards to a letter I received onXX/XX/2021from Capital management service LP, regarding this alleged debt. I requested that they send me validation of this debt and they sent billing statements. OnXX/XX/2021I sent another certified letter indicating : :You are hereby requested to provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 
2. What is your authorization of law for your collection of information?

3. What is your authorization of law for your collection of this alleged debt?

4. Please evidence your authorization to do business or operate in this state. 
5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature.

6. Please provide a complete account history, including any charges added for collection activity.

2. You are also requested to CEASE and DESIST contacting me with regards to this matter, unless it is to notify me via U.S mail that you will be terminating all attempts to collect this alleged debt. 
You have thirty ( 30 ) days from receipt of this notice to respond. Failure to respond in writing, hand-signed, and in a timely manner, will be considered a waiver to any and all of your claims in this matter, and that this matter is permanently closed. Provide the proof or correct the record and remove this invalid debt from all sources to which you have reported it. 

They responded back with the same documents that they previously submitted.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-27
Company: Wilson Law. LLC
State: MO
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Told you not to respond to a lawsuit they filed against you

Complaint:
XX/XX/XXXX received documents in mail about court approved payments to be taken out without myself being served to go to court didnt know anything about it until payments was taken out before i received the letter in mail, amount that was owed {$5500.00} and they received that full amount on XX/XX/XXXX instead they continue to go in my checks and the amount they say i owe no is more then the balance that was owed because the car was sold for the amount of {$6500.00} and the total amount of the car was {$10000.00} as of today they still garnishing my check for {$9500.00} i have documents that say different. The actual company said they received their money years ago and that they dont understand why money is still being taken out from my checks and that i should call the Wilson Lawyer company and i havent received a call back still

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-07
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:
My XXXX XXXX credit card account was removed from credit file back in XXXX of 2019 in error. XXXX XXXX has reinserted the account to all three credit bureaus XXXX, XXXX, and Equifax is the only credit file that my account is not reporting to. This continues to go back and forth XXXX  XXXX says contact Equifax, Equifax says contact XXXX  XXXX credit card services this makes no since I am the consumer I have been paying a bill for a credit card account that does not reflect my credit that is in good standing. I need assistance with this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-29
Company: General Motors Financial Company, Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
GM Financial - on my credit file has reported multiple late payments on an account in which I was never late. This gives me reason to believe that this is not my established account. I have sent disputes to GM financial and requested that they forward to me a contract bearing my signature to authorize an account by this creditor. I sent this lender a dispute which entails that if they can not present to me a signed contract bearing my signature within 30 days, this account must removed from my credit reports. GM Financial has sent me a letter acknowledging the possible fraud on my credit file. I have included my relevant dispute documents with in this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-25
Company: GREAT LAKES
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
Good afternoon, This is in regards to the fees from XXXX XXXX XXXX XXXX University from the Spring and Fall of XX/XX/XXXX which I did not attend.

In Fall of XX/XX/XXXX I transferred from XXXX to XXXX. It was my first time attending a private college and I was working full-time. 

Unfortunately, I was working as a XXXX at XXXX XXXX XXXX XXXX  and the XXXX was going through a high turn-over and was under new management. XXXX XXXX XXXX XXXX  XXXX were unable to work with my school schedule and I had to drop out mid-fall semester XX/XX/XXXX. I never returned to XXXX. 

However , XXXX XXXX and I had email correspondence prior to the beginning of Spring XX/XX/XXXX Semester in hopes of returning. I had added courses in that attempt. XXXX XXXX advised me that I would not be able to attend the classes I selected because I did not have the prerequisites ( XXXX courses ). I followed up with a phone call at the time as well. I was then unable to drop these classes that I could not take because there was a hold with the health clinic due to vaccinations of the XXXX shots. I did not have the money to pay for these vaccinations. 

I am now in XXXX dollar debt because of this situation. 

I called several staff members of the XXXX system asking for help to clear this. Some replied others never did. I was able to get a female advisor in financial aid to assist me somewhat. I was told that I needed to come up with proof in order to remove these fees from my XXXX   record/credit. The proof was that I show XXXX that I notified someone of my work changes in schedule. 

I have spent the last three years trying to resolve this. I have sent them countless emails to advice they are charging me for classes I never attended and that I could not drop these classes due to the holds on my records. 

I am unable to access emails from XXXX XXXX and other professors discussing the fact that I will not be attending and emails from XXXX XXXX XXXX on campus stating I had a hold on my records. These emails were erased from my XXXX email account as time goes by. 

XXXX XXXX has helped me but Great Lakes is stating that I owe XXXX approximately XXXX dollars. 
I did not attend Spring XX/XX/XXXX. I do not understand why the teachers would continue to bill if I was not there for the first day of class as I was told that I did not have the prerequisites per XXXX XXXX. 

I have forwarded you all the emails I could find on my personal email account to support what I am saying. Please help me. 

Thank you for your time. 


XXXX XXXX XXXX XXXX regards, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-29
Company: BAM Management US Holdings Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
I wired Binance.us {$10000.00} on Sunday, XX/XX/2021. I paid extra for a " same day '' wire. It could not actually be done the same day since it was Sunday, but Binance had the funds by very early Monday morning ( I have confirmation from my bank on this ). Yet, 5 days later, the funds are still not in my account. There is an entry in my ledger that has said " Processing '' all week. 

They have no customer service phone number. They say the only way to resolve problems is via their ticket system. But, I filed a ticket on Monday ( and filed follow-up tickets ). They do not answer the tickets. 

This is a banking service. Delays cost people money ( assuming that this is just a delay, and the money has not somehow gone missing ). Binance needs to rectify this immediately. 

Additionally, I do not think any business that is effectively a bank and moves around large sums of people 's money should be able to just not have any live customer service. I do not know if there are any regulations to this effect, but if there are not and CFPB has any say in such matters, I would suggest that being contactable, the same day ( at least during business hours ), should be a requirement for a bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-25
Company: DISCOVER BANK
State: IL
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Getting a line of credit

Complaint:
I just received an add in the mail from Discover Bank offering loans at a rate of XXXX percent for terms up to 84 months and monetary amounts up to XXXX dollars. On XX/XX/2018 I applied for a loan from XXXX for XXXX dollars to refinance a current loan. They stated they could not do this because I was paying off a secured loan and they were strictly issuing unsecured loans. A little later I tried to get an unsecured loan for XXXX dollars for a term of 84 months for home improvements.  The rate they came back with was 14.99 percent. When I asked why the rate was so high since I have very good credit they stated it was because it was an unsecured loan ( the only type they were giving out ). They said the best rate they could get me on that amount of money was 10.99 percent for 36 months. 


The problem with this is all the advertising they have is for rates of 6.99 percent for terms of up to 84 months and monetary amounts up to XXXX dollars. There is acutually a chart showing this breakdown on one of the main pages. I want to know who actually qualifies for rates and terms anywhere near these advertised rates?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-29
Company: WELLS FARGO & COMPANY
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
On XX/XX/2021 I may my final payment of {$00.00} and I request that my account type platinum card # XXXX be closed and show pay in full with a zero balance in good faith. The teller said that he could not close my account to call Well Fargo 800 number. I am still getting the runaround. See document from Well Fargo not stating that I have a zero balance in good faith.

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 2021-05-29
Company: FlexShopper, Inc
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
My husband and I have been receiving calles from a company claiming to be a debt collector for Flex shopper. We have never had or purchased anything from them. When they started calling they were asking for my husband. He answered and when they ask him hiss birthday and last 4 of his social it didn't match and when they asked him if his birthday was XX/XX/1975 it was my bday and it was also my Social on the account. With his middle name and out last name. 
We told them this was not opened by us and didn't hear anything for a while. 
Now they are calling asking for me on his phone and mine. Leaving voice mails and threatening to file criminal charges against me for the debt in XXXX XXXX court. 
Please help this is very disturbing.

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 2018-08-22
Company: Resurgent Capital Services L.P.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX ( XXXX XXXX XXXX ) ACTION : XX/XX/2017 This letter is regarding an account, which you claim I owe {$600.00}. This is a formal notice that your claim is disputed. 

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

Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX and XXXX  ) from your company or any company that you represent, for a debt that I don't owe, is a violation of the FCRA & FDCPA ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry. 

Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. 
Failure to respond within 30 days of receipt of this certified letter will result in small claims legal action against your company at my local venue. I will be seeking a minimum of {$1000.00} in damages per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) 4. ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. 

My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX, Georgia XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : Cc : Consumer Financial Protection Bureau Cc : Attorney General 's Office Cc : XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-25
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
In XX/XX/XXXX I filed an identity theft complaint with the FTC after a XXXX XXXX XXXX XXXX XXXX. XXXX, GA. XXXX came back associated with my social security number during a pre employment background check and credit check. I do not know who this person is. The FTC requested that I get my credit report. When I attempted to get my free annual credit report all 3 reporting agencies denied my request and told me I needed to take additional steps by proving documents for example before they would issue me my free annual credit report. This is not the first time they refused to provide me with my free annual credit report, they refused me in XX/XX/XXXX, and XX/XX/XXXX as well. Without the credit report the FTC said they could not assist me with my identity theft complaint. Again today XX/XX/XXXX during a pre employment background check and credit check conducted by XXXX XXXX XXXX a XXXX XXXX XXXX XXXX XXXX. XXXX, GA. XXXX came back associated with my Social Security number ; again I do not know this person. Again I spoke to the FTC and again they told me to get a credit report and again the 3 credit reporting agencies refused to provide me with my free annual credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-30
Company: U.S. BANCORP
State: MN
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On XX/XX/18, I was asked to transfer {$200.00} using XXXX in order to buy tickets from someone on XXXX. I bank with US Bank and he claims to bank with XXXX XXXX XXXX. The money transferred immediately, and he claimed it didnt work, despite it having cleared from my account. He has since disappeared, and XXXX has no fraud protection - US Bank claims to have none with XXXX either. There is no way to cancel the transaction or even file a complaint against him.

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 2021-05-29
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have a ton of inquires on my credit that I did not do. I have never asked these companies to provide me with anything. I called the credit bureau they told me to call the company I call them and they refer me back to the bureaus saying they have none of my information I keep going in circles and want this information deleted from my credit file. I have been trying to get this resolved for months. All this mess is someone attempting to get goods in my name.

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 2018-06-25
Company: CITIBANK, N.A.
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
My complaint is against Citibank Customer Service XXXX. XXXX XXXX XXXX XXXX, SD XXXX 1. On XX/XX/2018, I initiated a transaction with XXXX and placed and order for an amount of {$260.00}. Soon after that I called and modified the order and the charge was {$220.00}. However, XXXX processed both charges, when only the {$220.00} was the valid one. 

2. I called XXXX and they promised to refund the charge. I have email correspondence with XXXX validating that there was an error on their part. However, after waiting for 2 months I disputed the charge with Citibank explaining the reason for the dispute. 

3. Instead for honoring my dispute that that merchant agreed to Citi denied my dispute I had claimed on one of the transactions from XXXX. 

XXXX. The XXXX charges are XX/XX/2018 XXXX XXXX XXXX XXXX XXXX   {$220.00} Valid & Correct. 

XX/XX/2018 XXXX XXXX XXXX XXXX XXXX {$260.00} Should be refunded. 

I have sent letter to Citi with copies of the emails from XXXX. I also contacted them via XXXX, where I was promised a response. 

I appreciate any help in resolution of this issue.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-06-25
Company: HYUNDAI CAPITAL AMERICA
State: FL
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XX/XX/2018 Text was sent with a phone number for Customer Representatives who claim to represent Hyundai, XXXX and XXXX vehicles with an attempt to collect a debt, however giving my my SS # upon request, they couldn't find anything pertaining to any debt. They requested to dig further until I halted the phone call to contact XXXX XXXX XXXX. I contacted XXXX XXXX XXXX 's Finance Dept to find out more information about this and they had no clue about any debt collectors within the parameters of my SS # nor my phone number in which they informed me to contact XXXX XXXX which is the owner of the vehicle. Upon speaking with a Representative of XXXX XXXX, they didn't have any idea who this company was. XXXX XXXX  documented it as a fraudulent attempt to obtain sensitive information. 
The company in question is : " Customer Accounts '' XXXX- ( XXXX ) XXXX.

Company response to consumer: Closed with explanation