BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-11-23
Company: CASHCALL, INC.
State: CA
Product: Payday loan
Issue: Charged fees or interest I didn't expect

Complaint:
I took a loan from cash call in XXXX 2014. When I was contacted I voiced my concern that the lowest amount they funded was {$2500.00}. I only wanted a loan for {$400.00}. I let the gentleman know that I was uninterested. He informed me that I could take the loan and there would be no penalty for prepaying the loan and that he had customers do this all the time. I agreed to the loan but was never clearly aware of the outlandish rate of 139 % interest. The way the person on the phone explained it was once I prepaid the loan {$2000.00}, all my payments would go to the principal. I was financially in need so I agreed and sent the email back agreeing. 

I tried to pay back the loan but was told I could only pay on my due date of payment. I call on the XXXX and they say I need to pay on the XXXX. I call back on the first and was told I could not use a credit card but I could use it online. I tried to pay online and would be charge a wiring fee and could only pay {$800.00} per wire so it would have taken me XXXX wires at {$20.00} a piece. I feel that the information I was told when I initially obtained the loan was false. I was never told about how difficult they make the prepay process and all the rules. Cash Call has made it impossible for me to pay back my loan so they can continue to charge me 139 % interest. I feel they were negligent and are committing fraud. I also feel that these high interest loans should not be allowed in the US. If I complete my loan, will have paid {$10000.00} for a {$2500.00} loan. I want this company investigated.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-18
Company: National Credit Systems,Inc.
State: UT
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I received a letter from National Credit Systems, XXXX XXXX XXXX XXXX, GA XXXX letting me know that I had an outstanding debt of {$3400.00} to a company called XXXX. I called them back at XXXX and after they checked my identity, they told me that it was n't me so i did not have to worry about it. A couple weeks later they called me again asking me if I was going to pay this debt, again I explained to them the situation and after a long conversation they understood it was not me. 
Fast forward to XXXX/XXXX/16 I received a credit report alert telling me i had a new negative loan on my account. Checked it and it was them. They had added it to my credit report without my social security. I do n't understand how they can do that but it was there. 
I called them and spoke to a XXXX XXXX who is in charge of the account # XXXX. After she rudely asked me for my information and I gave her my SS she proceeded to tell me that it was not me and she could not give me any more information on how it was added to my credit. She said that I could dispute it with the credit company but that she was not able to do anything about it. 
I called her yesterday to see if anything had changed and left a message, so i called her again today XXXX/XXXX/16 and now she told me that i have to submit a fax with my credit report, my SS card, my drivers license, and all this other information, and that there investigating team would look at it and get back to me in possibly 2 weeks. 
It is companies like NATIONAL CREDIT SYSTEMS that take advantage of people and get no punishment for doing things like this. It is up to me to prove to them that it is not me when they knew it was not me in the first place. We need to do something about this.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-19
Company: Applied Business Services, Inc.
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Sent a letter of validation XX/XX/2022. By certified mail demamnding validation for the alleged debt. They have ignored the letter telling them they have 30 days to validate the debt and have sent continued notices for collection of alleged debt.. ihavealsocontacted whom the debt is from allegedly and they said I owe XXXX and the debt is not valid. 

I will add certified mail receipt if needed.

Company response to consumer: Untimely response
Consumer complaint received 2015-10-04
Company: National Credit Systems,Inc.
State: NC
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:
Apartment complex. Active duty military lost pay XXXX. My wife and I had to find a home for our family that best fit our financial needs. We were, and still in a financial hardship. We gave them a thirty day notice, with completing paperwork they requested. We advised to them the situation with other issues with the complex, that were not being addressed. When we left the property we returned the keys. We had been given an estimate of what we would have to pay back because we were terminating our lease. It was n't even close to the amount of what is on me and my wife 's credit report. We were blind sided and never contacted except from a credit bureau with an amount not explained, just a number that we owed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-19
Company: EQUIFAX, INC.
State: IL
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:
FAILURE TO PRODUCE ANY VIABLE EVIDENCE REQUESTED IN SUPPORT OF THE ACCURACY OF ALL NEGATIVE ITEMS LISTED ON MY REPORT IN THE APPROPRIATE TIMEFRAME FOR OVER 9 MONTHS, INCLUDING COMPLAINTS SENT THROUGH THE CONSUMER FINANCIAL PROTECTION BUREAU, AND STILL FAILING TO SHOW ANY TYPE OF PROOF WITH RESPECT TO THE CREDIT REPORTING ACT OR GIVE ANY RESPONSE TO MY CLAIMS, REQUESTS, OR COMPLAINTS- INCLUDING FAILURE TO SUPPLY ANY TYPE OF CREDIT REPORT - INCLUDING LEGAL ACTIONS ALREADY TAKEN - AND FAILURE TO ADHERE TO THE REQUIREMENTS, CLAIMS, AND REGULATIONS REQUIRED BECAUSE OF THE EFFECTS OF COVID-19.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-24
Company: Early Warning Services, LLC
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
The charges occurred on XX/XX/XXXX in the amount of XXXX to a XXXX XXXX. I replied ( XXXX ). I received a call from a number XXXX I was told by the representative XXXX XXXX is trying to receive a payment through Zelle in the amount of XXXX and they only way he can't receive my money if I reverse the payment back to me using my XXXX account once I did that my money was out of my account and the representative hung up the phone. I tried calling back no response. I then called my bank in file a complaint with no luck they said it was nothing wrong a few days later it seems like I'm out of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Capitol one to ld me on Saturday  XXXX  at around  XXXX  eastern standard time they were going to update with the credit breaus early because need to be done for a mortgage approval and they did n't

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-19
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I submitted a dispute to Experian about a late payment from my XXXX account on my consumer report that according to the laws should not be reporting being that it was not properly investigated by Experian and proven to be late.

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 2022-04-19
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: Reporting company used your report improperly

Complaint:
In accordance with Fair Credit Report Act XXXX XXXX XXXX  # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2015-07-26
Company: National Credit Systems,Inc.
State: TX
Product: Debt collection
Sub-product: Mortgage
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
My husband and I lease a XXXX bedroom XXXX bath apartment XX/XX/2005 for 3 months with The XXXX XXXX in XXXX XXXX, Texas. We chose that particular apartment complex because they did short term leases of 3, 6 or 9 months. We stayed there until XX/XX/2005 as our contract said and paid for deposit and 3 months of rent. We found a home to buy XX/XX/XXXX so we were out of the apartment around XX/XX/XXXX when we took possession of our new home. All we got was a call from The XXXX XXXX asking for our 4th months rent which we did not pay because we had met out lease agreement and owed them nothing! Now I find out that they sent this to a collection agency who has never contacted me or my husband. Plus we never received back our deposit!!!!

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-19
Company: WELLS FARGO & COMPANY
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I have been a customer of Wells Fargo since 1996 ( takeover from XXXX XXXX and then XXXX ). The service has been miserable since WF took over and I had to fight them for months ( until I won ) on 2 past occasions. One was related to withholding taxes, which they had initially refused to return after I filed my XXXX, which by the way they had lost in the takeover from XXXX. The other was giving me the promised interest rate after maturity. They refused to honor the promised rate and gave me less, until I wrote several emails and fought them for months and finally got the promised interest rate. 

Most disturbing is, recently I found out ( by chance ) that I have been asked to close my account. I am an international customer and was also not informed. The reason given is that I do not have a US residential address. This is absolute discrimination, especially after banking with them for over 25 years! This is very unfair and unethical. To make matters worse, I have two interest bearing deposits and will lose my interest if the accounts are closed early. I have tried in vain to make WF understand my predicament and my pleas have fallen on deaf ears. I am desperate now as I do not have another US account to transfer the money and I am stuck. In addition, for years now, WF has not been able to reflect accurate address and contact details. They told me a range of lies and most recently admitted that their system does NOT accommodate international address or contacts. What kind of bank is this? They lied to me for years. I have all the emails between the bank and the complaints dept and I can share all of this with you. What can I do now and how can you help me? 

I am uploading three emails I wrote to the Wells Fargo Complaints Case Specialists.The emails will provide an indication of the issues I am facing.

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 2022-07-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
In XXXX and XXXX of 2022, I filed a dispute with Transunion, XXXX and XXXX Credit reporting agencies about the unverified account XXXX. In these months I have not received a notice in over 45 days and I have tried multiple attempts for verification of these unverified account with this credit reporting agency. So now I'm contacting the cfpb to step in and help me get this issue resolved because I have not received a response from this company in over 2 months as of today. Thank you

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 2017-05-01
Company: Diversified Consultants, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I discovered this account on my credit. I have never received a notice for the right to dispute. I have no knowledge of this account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-19
Company: EQUIFAX, INC.
State: ID
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 XXXX  XXXX XXXX XXXX XXXX  is located inside XXXX XXXX XXXX. The dealer sold me a defective vehicle that was deemed unsafe I notified the XXXX XXXX XXXX rep XXXX. She would not help. I recorded our call. After months of endless complaint the Idaho department of transportation notified me I could file a surety dealer complaint. I did so. I also submitted a revocation of acceptance letter which the finance company received and recorded they received the letter. The surety settled and all money owed and any interest was sold, assigned, transferred to the surety. I am legally not responsible for the loan. In addition the vehicle was taken by the XXXX XXXX The finance company has been aware i have sent several disputes of the inaccurate reporting of the account in addition they committed fraud at initial signing of loan. They continue to report this account that I am not responsible for and that is completely inaccurate damaging my credit a great amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-19
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
i did not consent to this UNFAIR and INACCURATE information to be reported to MY consumer report. Please remove! Pursuant to 15 usc 1681B ( a ) ( 2 ). Reports must be in accordance with consumer

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 2016-08-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint:
TransUnion LLC Priority Department XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, PA XXXX TO WHOM IT MAY CONCERN : File # XXXX last XXXX # XXXX I am writing to Correct the wrong information put on my credit Report by XXXX XXXX and your TransUnion LLC Priority Department XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX for knowingly supplied this inaccurate information for over a Year on the credit file! 
This has seriously Damaged my credit File. I have Consider class action Law suit against the Credit Reporting Agency TransUnion. claimed that TransUnion violated the FCRA by the company TransUnion allegedly erroneous reporting of XXXX XXXX XXXX on credit file. 
On XXXX XXXX XXXX XXXX XXXX Replied with Higher amount owned which in fact its false information when the Car was voluntary repossession back in XXXX XXXX and the car was sold and the information on my credit report for the last 13 Month has been false and missleading to Future lenders for Loans applyied for! I have been asking for this to be Removed at once and blocked from Erroneous reporting by this Creditor! Today XXXX, XXXX XXXX I spoke with Supervisor XXXX XXXX and she stated that it was correct I asked her to give me the information to show how you did your investigation she stated it came back correct information. I told her I would file this Dispute and that I would take legal Action!

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 2022-04-19
Company: Experian Information Solutions Inc.
State: ID
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 XXXX XXXX XXXX XXXX XXXX  is located inside XXXX XXXX XXXX. The dealer sold me a defective vehicle that was deemed unsafe I notified the XXXX XXXX XXXX rep XXXX. She would not help. I recorded our call. After months of endless complaint the Idaho department of transportation notified me I could file a surety dealer complaint. I did so. I also submitted a revocation of acceptance letter which the finance company received and recorded they received the letter. The surety settled and all money owed and any interest was sold, assigned, transferred to the surety. I am legally not responsible for the loan. In addition the vehicle was taken by the XXXX XXXX The finance company has been aware i have sent several disputes of the inaccurate reporting of the account in addition they committed fraud at initial signing of loan. They continue to report this account that I am not responsible for and that is completely inaccurate damaging my credit a great amount.

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 2022-04-19
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
The Credit Bureau never did a proper investigation according to the FCRA for the account listed below XXXX XXXX XXXX XXXX Account # XXXX The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. 

This was not done. 

They have also violated my rights even more In accordance with the Fair Credit Reporting Everything must be 100 % accurate on my credit report. 

The Credit Bureaus stated this account was properly investigated and verified with XXXX and the US Bankruptcy courts but how is that possible when I have documentation from both sources that prove this information is inaccurate. This is the grounds for removal. 

They have violated the law because according to 15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information, any adverse items of information, other than records of convictions of crimes which antedates the report more than seven years. 

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
unauthorized inquires on my credit report I've contacted the business as well as the credit bureau and no one will help XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation