BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-07-30
Company: Experian Information Solutions Inc.
State: NV
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:
In XX/XX/2018 I checked my annual check report and found several errors. I had previously contacted XXXX XXXX XXXX by sending a dispute letter and they failed to respond. Therefore, I sent a dispute letter directly to the CRA Experian on XX/XX/2018 disputing this inaccurate reporting. 

Experian responded with the attached letter provided dated XX/XX/2018 without any information requested according to the F.C.R.A. 

Experian has avoided abiding by State and Federal laws in rersponding to the dispute and failing to supply the requested information by law.

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 2021-02-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
XXXX of XXXX submitted a hard inquiry on my transunion credit report today, XX/XX/2021. I did not authorize them to check my credit, nor did I inquire about a car. They sent me a text message advising that I did. I advised that I did not. They stated that they had my info as part of a lead system. I did inquire about a car 2 years ago at which time they checked my credit. This hard inquiry is unwarranted and I want it removed from my credit.

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 2018-07-30
Company: WELLS FARGO & COMPANY
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
XX/XX/2018 Added a XXXX recipient " XXXX '' -- XXXX XXXX XXXX XX/XX/2018 TRANSFER TO XXXX XXXX REF # XXXX ( via XXXX ) {$240.00} -- email used was : XXXX XX/XX/2018 Amount not received by XXXX XX/XX/2018 Talked to Wells Fargo banker " XXXX '' at XXXX XXXX Branch He noticed that XXXX had not registered for XXXX with her email yet. 
Sent instructions via email to XXXX on how to register with XXXX and asked her to do so. 

XX/XX/2018 XXXX still has not recived the {$240.00} in her account Added XXXX recipient " XXXX '' -- XXXX XXXX ( XXXX 's husband ) TRANSFER TO XXXX XXXX ON XX/XX/XXXX REF # XXXX ( via XXXX ) -- email used was : XXXX XX/XX/2018 XXXX XXXX received the amount in their account ( same account as XXXX ) {$240.00} XX/XX/2018 Talked to Wells Fargo banker " XXXX '' XXXX checked both of our accounts -- XXXX 's email was still NOT registered with XXXX -- XX/XX/18 Our account showed a payment of {$240.00} to XXXX -- XX/XX/18 Our account showed that the payment was delivered to some WF account ( not XXXX 's ) -- XX/XX/18 XXXX 's & XXXX 's account show NO payment received on XX/XX/18. 

-- XX/XX/18 XXXX 's & XXXX 's account show the payment ( {$240.00} ) received. 
( sent on XX/XX/XXXX ) XX/XX/2018 After almost 3 weeks of original XXXX payment, the amount that should have been returned to us within 10 days of No Delivery is still no where to be found. 


XX/XX/2018 XXXX claim case opened : XXXX XX/XX/2018 XXXX claim case closed : They claim the amount was successfully delivered and a token was successfully issued and there is nothing they can do now ( but they do not disclose to WHOM it was delivered ) The question is : If XXXX 's email is not registered with XXXX ( as Wells Fargo has verified ), then where did the original amount of {$240.00} go -- it was taken from our account but not received by the intended recipient ( both facts verified by Wells Fargo including the intended recipient 's email address, so no confusion about the email address either ), then where did it go and why are they not refunding us?? 

XXXX & XXXX have no other bank account. 
XXXX also called Wells Fargo & XXXX, but they could not help him either to track down the missing payment. 

XX/XX/XXXX -- XX/XX/XXXX Went back & forth with the Wells Fargo banker " XXXX ''. 
He opened a new case : XXXX with their Executive Resolution Team, who took 2 weeks to look into this. 
In the end the case was closed because XXXX won't expose the account # the amount was deposited to. 
XXXX gave up and agreed we go through the Legal Route.

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 2018-07-03
Company: WELLS FARGO & COMPANY
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
On my WellsFargo Bank Credit Account there was a Promotion that recently came to an Expiration on XX/XX/XXXX. I paid everything down to a last statement balance of {$450.00} prior to my promotion Expiring ; yet, couldnt fulfill the contractual obligation because I was in the hospital seeking treatment for my terminal related illness. On XX/XX/XXXX I called in to the WellsFargo Bank Customer Service Center and Spoke to a Manager hoping that they would recoginze my due diligency with making payments on time and sympathize with me regarding my illness. I asked if it was possible to pay off the last statement balance of {$450.00} that was owed in order to Avoid the DI Charge in the amount of {$250.00} but to my dismay The WellsFargo Account Manager stated there was no help that could be offered, even if I was in the Hospital during the time the Promotion Expired which prevented me from paying it off by the Promotional Exp Date. Later, on XX/XX/XXXX decided to call in once more in order to ensure there was no financial relief that could be offered and again a different Account Manager stated there was nothing that could be negotiated to pay off the Principal in order to avoid the Deffered Interest Charge.

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 2021-03-04
Company: EQUIFAX, INC.
State: IL
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:
This company is reporting fraudulently amounts on my credit report. XXXX XXXX posed as a different company on the phone and I agreed to pay thinking it was another company. This company had already reported negatively on my credit report as a charge off ... the initial balance they alleged I owed was {$2100.00} in XXXX of 2020. Since then each month they have reported late fees of {$58.00} dollars monthly. I have proof this company is a fraud and is very deceptive. XXXX opened a account in my name under deceptive and fraudulent information. They should not have the right to bully consumers and impact their lives, by reporting false and fraudulent information on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-29
Company: Shellpoint Partners, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
XXXX appears to be engaging in deceptive promotional marketing practices. I called to start a refinance with them on XX/XX/XXXX based on a promotional mailer I received offering a {$500.00} lender credit at closing and a {$500.00} XXXX  gift card mailed once the refinance closed. I communicated this with loan officer throughout the process and e-mailed him a picture of the mailer. I also communicated this with the loan processor and e-mailed her a picture of the mailer. We have had XXXX signings scheduled, XXXX on XX/XX/XXXX and XXXX on XX/XX/XXXX. The first time no one showed up. The second time the notary arrived with documents that excluded the promotion. Despite repeated e-mails and phone calls to both the loan officer and loan processor, it took XXXX days for them to get back to me. The loan processor said the issue lies with the promotional department and she is having the same issue with XXXX other customers. Clearly theres an effort by XXXX to avoid honoring their promotions. Im concerned that other customers may either give up or not recognize that they are not getting the promotion. For XXXX loan processor to have XXXX customers going through the same issue is a clear indication of a systemic attempt to defraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-08
Company: Financial Business and Consumer Solutions.
State: UT
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 agreed to close my account back in 2015 at an old address with an ex-spouse 2 years later, unbeknownst to me it appeared on my XXXX  credit report and is hurting my credit score and  report. I have not spoken with this collection company nor have they attempted to contact me in any way.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-06
Company: Messerli & Kramer P.A.
State: WI
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
For months Messerli & Kramer have been harassing me over the phone demanding I settle debt with a XXXX XXXXXXXX XXXX XXXX card. They were not able to listen or work with me on the debt considering I had fraudulent activity on my Debt card around that time frame I questioned the debt and ignored their advances and told them to leave me alone. Around late XX/XX/2018 I  received a summons from Messerli & Kramer at the late hours of the night from someone who insisted that it was a court matter where I had to appear or file for an answer. I then contacted Messerli & Kramer asking for signed documentation of the agreement that I had with XXXX XXXX XXXX XXXX which was not provided. I asked for signed verification of transactions from the dates in question for transactions I did not recognized which was not provided. I did happen to receive generic documentation with a debt owed and a rundown of the transactions without signed verification including a header stating that Messerli and Kramer were Attourneys at Law NOT debt collectors ( I can prove this as well and will attach ). I provided this same documentation in an answer to the circuit small claims court along with a counterclaim request about the repeated violations of the The Fair Debt Collection Practices Act but my counterclaim was denied as well judgement ruled against me which leads me to file my complaint here.

Attachment of Article 1 : Documentation provided by Messerli and Kramer and Example of XXXX transactions from XX/XX/XXXX that I don't recognize and no signature verification provided Attachment of Article 4 : As you can see from the Header they are representing themselves Attorneys at Law instead of Debt Collectors

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-04
Company: TOYOTA MOTOR CREDIT CORPORATION
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 got my Toyota XXXX XXXX last XXXX, maybe around XXXX, at XXXX TOYOTA in XXXX, CA and I have submitted a loan request to Toyota. The manager said I was not approved, so he told me I can apply at XXXX XXXX, so I did. After some time, I got both statements from Toyota and XXXX XXXX. I went back to them to asked which one I should pay because of course, I only got 1 car so why should I pay 2 payments? They told me to keep the XXXX XXXX and that they are going to close it. I don't know why but I was still getting some statements that says I owe them {$110.00} for the interest but of course I am not going to pay that amount because it's not my fault that they made a mistake. Why would I pay that? I ignored it for how many months in XXXX because I trusted that they are going to close it anyways. 
Fast forward, I got tired for getting those statements so I told them to close the account but what happened instead, was that my credit report has changed. Suddenly, my {$110.00} balance became more that {$18000.00} and I had delinquent account, and that I owe them {$3000.00} or so. My XXXX credit card was closed due to this fraudulent report that appeared on my credit report. I was angry and so I sent them a letter that if they won't change it, I'm going to sue them in court. They said they were going to change it. I went ahead and also contacted experian to correct this mistake. 
Fast forward to today, XXXX XXXX, I found out that the report says that it was ACCURATE, and Toyota confirmed that those were not mistake even though they knew it was fraudulent. So that's why I am reporting them now. I even bought a package for oil change back then which I didn't use in fear that they might sabotage my car and I might get into an accident since I no longer trusted them because of what they did to me. Please help me correct this mistake that they did to my credit report. I hope you investigate this business. THEY ARE FRAUD AND SCAMMER. THAT'S ALL I CAN SAY. THEY DON'T HAVE ANY SHAME.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-30
Company: Experian Information Solutions Inc.
State: IN
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:
3 reporting credit beauru I haven't been applying for credit cards I know I get rejected and with not so hot credit rating they think I'm made of money like Donald Trump I been fighting to get negative and inquiry removed and no luck and I'm tired of credit beauru treating me like either a little kid or criminal I even gone far to go with credit repair service and not getting anywhere fast and I refuse to get high interest loan and it's not fair they all think I'm made of money like Donald Trump is which I'm not if I had Donald Trump money wouldn't need credit but yet they give credit to illegal immigrants

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 2020-10-19
Company: Kriya Capital, LLC
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/XXXX someone claiming to work for Credence Resource Management contacted me claiming that I owed debt to XXXX XXXX XXXX for two mobile phone lines opened in XXXX of XXXX. I did not open any XXXX XXXX XXXX accounts in XXXX, and haven't been an XXXX XXXX XXXX customer of any kind in at least 10 years.

I contacted XXXX XXXX XXXX directly to verify this call because I suspected that it was a scam. CRM did not provide any XXXX XXXX XXXX account number, but they did provide two phone numbers. I provided both phone numbers to the XXXX XXXX XXXX rep and she indicated that both phone numbers belonged to a business account, not a personal account, so that the call could not be legitimate, and must be a scam.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-30
Company: TD BANK US HOLDING COMPANY
State: OR
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
Hi I am having problems With my loan car payment with XXXX XXXX I get confused With my loan payment when I get the new car from XXXX XXXX  I told to set up for me with Auto payment first couple months was ok after I lost my bank card and I get new replacement card i called XXXX to set up for auto payment my new bank card they Told me that they can do that because is not theyre poulice to set auto payment after I told them I am a XXXX person and I am not good setting up auto payment by myself and I will forget making payment on the phone because I have problem remembering after they refused to set up auto payment and then I start missing some payment and sometimes they call me and I am worry about to give my information to the wrong people scams then they start charging me late payment {$400.00} hundred dollar every time I missed my car payment I can afford that much late payment {$400.00} dollars and my intrest is very high can anybody help me because they destroy my credit they make my life very difficult I have another credit I never missed one time payment

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-26
Company: Paypal Holdings, Inc
State: SC
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:
I purchased XXXX XXXX collars from the seller and paid {$130.00} for them through Paypal. When I recd the collars, they were counterfeit. I tried to work with the seller but he wouldnt give me a refund. The seller lied and stated he was in the US and would receive the collars within 7-10 days but when I didnt receive the collars, he emailed and stated he was overseas and it would be 26-30 days. ( I DO NOT ORDER FROM OVERSEAS for this very reason ). I opened a case up with Paypal and explained the situation, even sending and showing proof the collars were fake. I was instructed to mail the items back with the tracking number. I mailed the items back, scanned the tracking number to Paypal along with pictures of the receipt and the package on XX/XX/XXXX. I had til XX/XX/XXXX to get the info to Paypal. I recd an email from Paypal on XX/XX/XXXX stating my refund was denied bc I didnt supply the tracking number and the case was closed and could not be reopened. I did supply the tracking number along with multiple pictures. I want to file a complaint for Paypal for card fraud and mishandling the case of giving a refund, refusing to look at the documentation and information sent. Please advise if I need to do anything else in order to get the refund of {$130.00} for this is the second time Paypal has done this to me ( the first time was approx {$200.00} ). Paypal did NOT investigate the case and stated an automated system closed the case and could not be opened back up. This is fraud on the seller and Paypal and also mishandling the case on Paypal part for letting an automated system handle the case instead of a person. I also scanned in the receipt for {$16.00} for I am covered under Paypal up to {$30.00} shipping refund. I have not received that refund either. I have tried to contact Paypal via telephone. I have left emails asking for a callback from a supervisor but to no avail.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-03-04
Company: Professional Finance Company, Inc.
State: CO
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I was incarcerated from XXXX of XXXX til XXXX of XXXX a slew of medical debt was accrued on my credit report during that time. All have been removed except for Professional Finance CO from diversified radiology of color? for {$110.00} and {$350.00}. I have not been to or seen a dr since XXXX. Ive disputed it so many times now they wont let me dispute it no more. Since Ive been out working and paying my taxes whomever stole my identity is apparently still out working falsely under my name and going to hospitals under my name and etc. Its so frustrating. I cant get ahead with my credit when this keeps happening to me. Im now also having issues with XXXX XXXX XXXX for XXXX XXXX XXXX XXXXXXXX?? Wherever that is?? For : {$890.00}, {$840.00}, and another {$840.00}. Im at my wits end. I dont know what else to do? Plus on top of all that I somehow have over 30 or 40 inquiries on my account. Super duper bogus!! from XXXX XXXX til XXXX or XXXX Now apparently Im being punished and for my penance I unfortunately have to write each place and describe identity theft nd hope they comply and remove the false statements made against me. That also is completely unfair. How am I supposed to respect or legal system when it just keeps throwing me under a bus. I work hard and I work alot. KI do my best to pay my bills and keep a roof over my head, but i cant even have the ability to get a car loan or let alone a home loan. Seriously I mean over the top seriously frustrating and messed up. I dont know what else to do? Get a lawyer maybe and sue all the misplaced accusations against me? thatd cost me fortune. So now I am pleading to you for understanding, mercy and help. Can u help me? Will uhelp me?

sincerely, One desperate American, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-14
Company: AFNI INC.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XX/XX/2020, I received an update from XXXX stating that a collection had been posted to my credit file from Afni, Inc. with an amount of {$440.00} I owe to XXXX XXXX XXXX. I have never been contacted by Afni, Inc. by mail or phone. I do not owe XXXX XXXX XXXX and have nothing from XXXX XXXX XXXX to reflect a past debt. Afni, Inc. is past the four year period under the Texas Debt Collection Act and is reporting false information on my credit report by stating first that I owe money and second that I am behind.

Company response to consumer: Closed with explanation