BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-01-04
Company: Heritage Financial Group, Inc.
State: AZ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
XX/XX/2022 Always every day! Been going on for 20plus years. No XXXX or CFPB has ever made Heritable accountable for their actions. 

Management trains employees to hide documents that would otherwise print off during a legal court proceeding. 

Management requests employees email when they need account notes deleted. Examples would be. Notes documented during a call with a customer. But management doesnt want those notes seen for possible legal action. 

Management trains employees to cut off the date listed on any authorization sheet the customer gave Heritage a signature on. 
Prior to sending for proof of verification. 

Examples : To verify information such as Employment, rental information. Mortgage information. Utility verification. On any customer. 
Management is vindictive. She picks and chooses what customers can pay to avoid garnished. And what customers get garnished even if they are paying. If management is having a bad day. That. Bad day is then taken out on the customers. And there account. Some customers get promo offers. And others are denied promo offers. On any same given day. No consistency, or fairness taken place behind Heritages doors. This company needs looked into. 

This company has proven to be unlawful unhealthy Undo stress to me and Many others others unwelcome in the work place behavior They have many dark scandalous Skeletons in the company closet!

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-03
Company: CAVALRY INVESTMENTS, LLC
State: WA
Product: Credit card
Issue: Other

Complaint:
Debt buyer Cavalry Portfolio SPV I, LLC sued me to collect on a credit card debt they allege I owe to " XXXX - XXXX. '' They claim they are the owners of the alleged debt based on several assignments, but there is no assignment from " XXXX - XXXX '' or XXXX XXXX. The judge entered a judgment against me based on a declaration from a Cavalry employee. I now have an attorney helping me with an appeal. I am concerned that Cavalry can sue me for this debt because on XXXX/XXXX/15 the CFPB entered a consent order against XXXX saying that accounts from the time period they say I defaulted were inaccurate and fraudulent, and especially accounts, they obtained from other banks. It is unfair that XXXX ca n't collect on this account because they committed fraud and did n't keep accurate records, but now this company I have never heard of can. My attorney sent Cavalry 's collection law firm, XXXX XXXX XXXX XXXX XXXX, a copy of the order against XXXX and covering this account but they refused to stop collection. I have also been shown a copy of the affidavits of XXXX XXXX talking about how XXXX accounts held by XXXX during the same period as this XXXX were fraudulently handled. 

In particular the order at paragraphs XXXX through XXXX states that XXXX sold accounts like the one I was sued for, even though they knew the information was inaccurate and undocumented and that they " knew or should have known were unenforceable. " I do n't think its fair for Cavalry to sue me and get a judgment with no information about this debt other than a number they allege I owed to " XXXX - XXXX '', when the CFPB has already determined that XXXX is n't even allowed to collect them. I think Cavalry should be prohibited from collecting on any of these accounts that they knew were inaccurate and got to pay only " 5 % '' of the alleged balance and try to collect the full amount. The XXXX XXXX, 2015 CFPB order on these XXXX accounts found at XXXX that, " [ XXXX XXXX ] acts and practices of selling certain credit card Accounts to Debt Buyers that Respondents knew or should have known were unenforceable or selling such Accounts with inaccurate information or information inadequate to support the claims that Consumers owed the Debts and owed them in the amounts stated, caused or were likely to cause substantial injury to Consumers. And at XXXX, " [ XXXX ] knew or should have known that Debt Buyers would seek to collect on certain Accounts sold by [ XXXX ] that were unenforceable, had inaccurate information, or included inadequate information to support the claims that Consumers owed the Debts and owed them in the amount stated. " This is exactly what is happening to me and Cavalry should not be allowed to pursue this action against me or others like me, when XXXX is not even allowed to.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-15
Company: Tower Loan of Mississippi, Inc.
State: LA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
A loan company by the name of tower loan has called me over 5 times in the same day even though I made a payment that day. Tower loan is the business.

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 2015-07-20
Company: CAVALRY INVESTMENTS, LLC
State: AL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
When checkiing my credit reports I noticed a collection from Cavalry Spv and XXXX with XXXX XXXX as the original creditor. This debt does not belong to me. I have filed a lawsuit against XXXX for ID theft and damages to my credit report. This collection account on my credit reports has caused added stress to an already unfortunate situation. I plan to have my day in court and sue for damages.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-30
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: Investigation took more than 30 days

Complaint:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER XXXX U.S.C XXXX SECTION XXXX A. STATES I HAVE THE RIGHT TO PRIVACY. 

XXXX XXXX XXXX SECTION XXXX SECTION XXXX. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

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 2022-01-03
Company: JPMORGAN CHASE & CO.
State: CA
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:
This is regarding a Chase XXXX XXXX credit card. I had made an air ticket purchase in XXXX and have closed this credit card since ( closed in XXXX ). Due to the pandemic I had to cancel the tickets and process a refund with the airline. I have been informed by the airline that the refund has been processed and the refund credited to the closed credit card. Four tickets total were purchased. The total amount of refund is ~ {$4800.00}. Since the Chase customer service representative was not able to find this credit card in the system, I was directed to ask for customer support assistance. I have not received this reimbursement to date ( XX/XX/XXXX ) and it has been close to a year.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-06
Company: CAVALRY INVESTMENTS, LLC
State: IL
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Ive contacted the company multiple times regarding the validity of the debt and sent numerous letters with no response. In addition, thet are also reporting as open on my credit reports and as a collection agency they ca n't be reported as such. To conclude all XXXX credit bureaus are reporting some form of information incorrectly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-10-14
Company: I.Q. DATA INTERNATIONAL, INC.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
IQ Data International first attempted to collect a debt I did not owe, back in 2012. They listed a certain amount, and reported it to the credit agencies. Now, FOUR YEARS LATER, the same company has listed an entirely different amount, and reported it to the credit agencies. 

This is illegal.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-03
Company: Experian Information Solutions Inc.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
This account was fully paid. Ipaid it even I lost the card and not the one who use it. but it still reporting on my credit report as negative. Please help me to fix it. 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 2016-06-01
Company: CNG FINANCIAL CORPORATION
State: MO
Product: Debt collection
Sub-product: Payday loan
Issue: False statements or representation
Sub-issue: Indicated committed crime not paying

Complaint:
I was never given the mini Miranda I was told they where calling from the federal bureau of investors for the us government for check fraud. they would never id they are a collection agency I was told they would garnish my check refused validation & I do have all my calls recorded I also have voicemails left.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-03
Company: MoneyLion Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On XX/XX/2020 I started receiving a bunch of emails welcoming to my new account at Moneylion that I didn't have or setup an account with. The emails included everything from welcoming me to my account, to your information has been updated and your virtual card has been setup. I immediately searched this Moneylion on the internet to find it's a real company so I reached out to them on the phone number ( XXXX ) found on their website. I was on hold for about 15 minutes when I finally talked to a customer service rep. I talked to her briefly and she did confirm there was an account in my name. I explained to her what was going on and she gave me a number to call which is XXXX for their fraud dept. I called this number multiple times over many days to just get put on hold for hours and then it hangs up on me. I called the 888 number again and talked with the customer service rep and she forwarded me to the fraud dept. Again I was put on hold for hours and hung up on over and over. I called the 888 number again and asked for a supervisor only to be disconnected again. I would like to get this resolved. I did not set this account up and at this point i don't know if they have my bank info or what is going on. This is fraud and I want to close this out and return anything that was taken. I also attached some of the emails I received for your review.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-19
Company: Gatestone & Co. International Inc.
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
Signed up for XXXX XXXX XXXX service on XXXX/XXXX/15, activated account on XXXX/XXXX/15. Cancelled my service on XXXX/XXXX/15 after receiving XXXX bill with a service I did not agree to. Cancellation was approved by their retention center ( after buyers remorse period ) due to the misrepresentation of the service agreement and assured me no balance will be owed once the device was received by their warehouse. I returned the device on XXXX/XXXX/15 using their provided return label by a third party shipping service Newgisitics via XXXX. I called back to check on the status of the return of the device more then XXXX different times, XXXX XXXX XXXX reps responded that the tracking could not be located to " call back ''. Finally on my XXXX attempt on XXXX/XXXX/15, over a little 30 days from the cancellation date of XXXX/XXXX/15 I was recommended to open a " case ticket '' to track and locate the device. I was assured by the rep at this time, that the account would be suppressed due to this issue and that no collections would be attempted. On XXXX/XXXX/15 I began to receive daily calls by a XXXX number with no message left, I finally decided to call back on XXXX/XXXX/15 and it was GateStone, a third party collection agency hired by XXXX XXXX XXXX XXXX collect a debt. I notified them about the " case '' of the missing device and the Gate stone rep was kind enough to suppress the account till XXXX XXXX XXXX recalls the debt from them which I was told could be done immediately. I then called back XXXX XXXX XXXX on XXXX/XXXX/15 livid at the situation as they assured my account is suppressed till case had been cleared. I was told I would get a call back about the situation. After a few days and no call, I called XXXX XXXX XXXX back on XXXX/XXXX/15. The XXXX XXXX XXXX rep reviewed notes and stated the " case by investigation team '' noted the account on XXXX/XXXX/15 that the phone was located in their warehouse on XXXX/XXXX/15 and that a full credit and refund would be administered in XXXX billing cycles. Yet, they could not recall my account from a third party due to closing and paying out my account to the third party collection agency and now the debt is owed to Gatestone. I conferenced Gatestone and the At XXXX XXXX rep to relay the status on the account that a refund will be placed, account is now at zero but the payment must still be made to them direct from me. YET, after having reported the device was received and in good working condition, they still sent my account to a third party collection agency. I do n't understand why XXXX XXXX XXXX refuses to recall the account from the collection agency rather have me pay them direct for a debt I I never owed!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-26
Company: CITIBANK, N.A.
State: GA
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:
I did not give these companies permission to view my consumer report. 

CITIBANK XXXX, BEST BUY XX/XX/2020

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 2016-01-30
Company: CNG FINANCIAL CORPORATION
State: WA
Product: Payday loan
Issue: Charged fees or interest I didn't expect

Complaint:
I took oit a payday loan in 2008 for XXXX dollars that was the fee. Interest was XXXX dollars, and I keep getting calls from the collection agency threatened to sue me and want me to pay XXXX dollars.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-10
Company: Tower Loan of Mississippi, Inc.
State: MS
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I borrowed some money from Tower Loan of XXXX I was paying on time every month until XX/XX/XXXX when I had to stop working due to medical problems and did n't have any income coming in because I do private sitting. so I paid half for XX/XX/XXXX and every since then they call everyday 3 to 4 times literally everyday including the people I put down as a reference filling up the mailbox say they have to put a date in the system as to when I 'm going to have the money I can tell them I do n't know when I 'll have it and they keep insisting I give them a date I 'll have the money She hang up and call the cell phone then my references then they laugh on the phone ( not professional at all ) stating we have to put a date in the system but a letter was sent stating it was going to collection a month ago but Tower Loan of XXXX keep calling and calling it 's to the point I feel I 'm being harassed I know bill collectors should n't call 3-4 times a day I 'm I the only one that borrowed money? PLEASE HELP ME FROM THE HARASSMENT

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 2015-04-07
Company: I.C. System, Inc.
State: TX
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
The collection to XXXX XXXX was added XXXX. Duplicated. {$720.00} was paid in 2014 and closed, but since there was a duplication of the same collection, it still shows I owe {$620.00}. How do I get the duplication removed. I have talked with the collection agency several times and I 'm told it will be removed. Please help as I do believe this is hurtng my credit rate. Thank you so very much.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-16
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Unable to reach live representative, unable to retrieve six digit passcode via text, apparently Experian inputted wrong telephone number into their system. 

In a nutshell, unable to lift freeze. Unable to reach live representative. 
XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-02-20
Company: Southwest Credit Systems, L.P.
State: MD
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
SWC Systems state that I owe their client XXXX {$490.00}. Instead, they 've reported an amount of {$490.00} to the CRA 's, which means they 've misstated the balance due and trying to collect more than the alleged amount. This is a FCRA and FDCPA violation. 

Sincerely, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2023-04-07
Company: Experian Information Solutions Inc.
State: VA
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:
XX/XX/XXXX called XXXX XXXX they said that they will take the hard inquiries off. I talk to Experian they said they would take them off. XXXX Didnt delete it something about more info an fil a cfb report

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 2018-01-17
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:
I have been trying to fix my old mortgage reporting for over a year submitting over 10 letters & documents. 
XXXX reports mortgage derogatory. Enclosed documents from lender directly contradict that report. 
All three CRA 's fo NOT report my succesful history UP TO THE BANKRUPTCY. 7 years of missed reporting. 
COMPLETE HISTORY FROM LENDER ENCLOSED.

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 2018-01-17
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
My account was closed because the business i set up was under a XXXX " XXXX XXXX XXXX XXXX " which does not matched my name. I opened the account with my first two check that i got. I was already advertising and working with my XXXX. I opened my account at my local wells fargo bank. with no hesitation they took my money and deposited. other to say that very conviniatly for the back the teller that opened up my account summited my social security and i tin number incorrectly. two week later i got a latter in the mail stating that my account had been closed XXXX XXXX 2014. since then I 've been calling for three years non stop to get my funds back i have talked to many representatives and have given them XXXX certificate a copy of my drivers license, rent with my business name. i still have no luck. i will take all matters into consideration because is a form of theft.

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 2018-01-17
Company: WELLS FARGO & COMPANY
State: DC
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Fees charged for closing account

Complaint:
On XX/XX/XXXX, I closed my Wells Fargo checking and savings account. I received a statement stating that I owe {$11.00} for fees after my account was closed. In addition, the branch manager provided me with a check for {$21.00} for the remaining balance in the accounts. On XX/XX/XXXX, I called Wells Fargo to inquire why I was charged additional fees. I was told by case management that the only way to have my fees reversed would be to return to the branch and request that the bank manager call their internal collections for a waiver. I no longer have account access to see all of the charges.

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