BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-07
Company: Sequium Asset Solutions, LLC
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:
SEQUIUM ASSET SOLUTION is reporting a collection on my report after I have disputed the debt and asked for very specific verification details in which they will not provide. I am asking for verification of the alleged debt pursuant to my rights under the FDCPA. With respect to my verification request under the FDCPA, I requested a copy of a signed contract. Additionally, I requested that you cease and desist all collection activity, including credit reporting. That is, I requested that you delete any and all reporting made to any consumer reporting agencies. You have failed to address my very specific legal requests and are in clear violation of the FDCPA. 

First, you failed to obtain and send verification of the alleged debt by not mailing me a contract. Instead of sending me a signed contract or agreement as requested, you mailed me something stating the original creditor but this is not a contract or agreement and is nonresponsive to my verification request. Under the FDCPA, it is unfair or unconscionable to attempt to collect an alleged debt in any amount that is not expressly authorized by an agreement creating the debt or permitted by law. 

Second, you failed to cease and desist and delete your credit reporting of the disputed alleged debt. Under the FDCPA, it is a false, deceptive, or misleading representation or means in connection with the collection of any debt to communicate to any person ( e.g., a consumer reporting agency ) credit information that is known or which should be known to be false. 

Addittionally this is still reporting to XXXX XXXX and XXXX and they never listed the account as being disputed from the collection agency which is another violation. Its sad that they are ignoring my mail and breaking the law without a care to do the right thing.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-21
Company: AFNI INC.
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I transferred a XXXX phone line to another individual a few years ago. I was told on a recorded line that the bill had to be paid in full before I could transfer. A few hours later the person whom I was transferring the line to paid the bill and we went ahead with the transfer. Now XXXX is saying that I owe them {$360.00} ( XXXX XXXX ). I should not be charged anything I did what I needed to do on my behalf. The transfer should not have been completed if there was still a balance. I have tried to dispute this a few times.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
I deposited a check on my phone then received 3 more of the same exact Federal Reserve state checks for the same amount for back payment of over payment of child support. I then went to the bank and deposited the one I already used mobile deposit for. Bank of America said it was Fraud. I paid them back in full but unable to open other accounts. This is really hurting me for work because I need a travel credit card for work but they wont approve me because of this. Bank of America also said they will review my case once paid in full and remove the comment. But still haven't. I have to use pre paid debit cards and this is making everything hard especially trying to purchase a home.

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 2021-09-24
Company: Lakeside Recovery Solutions
State: WV
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
This debt collector, Lakeside, called my phone, my wifes, and one of my children and left a message containing my name, date of birth, and address. How is this legal? How are they sure enough to leave my personal information in a message? They could have called 3 wrong numbers and left my personal details to strangers. How do I know they didnt call any numbers I used to have and do the same thing? Is this legal to leave this sort of information in a message and couldnt my identity be insecure leaving this on a message? These messages were left on XX/XX/2021

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-16
Company: I.C. System, Inc.
State: AL
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
While looking over my credit report I noticed I C System listed on my credit report. I have no idea what this debt is and it has not been communicated to me. This has caused stress and loss of potential income. The debt does not belong to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-08
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: Reporting company used your report improperly

Complaint:
These companies violated my consumer rights, by sharing information without my knowledge consent or instruction

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 2022-09-08
Company: WELLS FARGO & COMPANY
State: CO
Product: Money transfer, virtual currency, or money service
Sub-product: Refund anticipation check
Issue: Fraud or scam

Complaint:
Me and my family tried renting a house we saw a listing on an app that said it was secure we set up a time to go see the house the same number texted us to go in and we saw the house in person so we didnt think anything of it, the person was impersonating a landlord, they texted us and sent us a application for the home we did it and they said we got approved instantly, me and my family were desperate to look for another home due to money issues we accepted and they then sent us a lease agreement online and since weve never rented a house before we thought it was normal we talked on the phone and everything seemed good, we didnt think anything of It so we signed and were told we were going to get the keys the next they, we were blocked the next day and never got the house we gave out personal information as well. We contacted my bank Wells Fargo and XXXX since we did the transaction there they said we couldnt get the money back and said to only send money to trusted people but the person completely fooled us and gained our trust it was an honest mistake and they need to help us I dont know what else to do this happened about 11 days ago.

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 2017-06-21
Company: M&T BANK CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
The Bank M & T has cheated me out of a {$250.00} bonus offer as advertised on line. I opened a checking account and setup a direct deposit as required. The balance in the account is now over {$6000.00}! When I inquired as to when the bonus would be paid was told I am not eligible. Now they are telling me the wrong account was opened. I applied for the bank 's EZ Choice checking account.
The bank opened a Classic Checking Account with interest account.
Now, they tell me the bonus offer WILL NOT be paid. Instead, they paid me an interest payment of just {$0.00}!

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 2021-09-24
Company: BARCLAYS BANK DELAWARE
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:
I was part of the XXXX " XXXX to Barclays '' transition. I had an XXXX branded XXXX credit card for years with no problems. XXXX recently decided they would transition everyone over from a XXXX XXXX to a Barclays Mastercard. I never gave anyone express permission or signed anything permitting a Barclays account to be opened in my name. I tried to call Barclays to prevent the account from opening, but since I did not have an activated card yet there wasn't really a way to get a Barclays customer service representative. I recieved the XXXX Barclays Mastercard in the mail, and I thought if I activated it at least I could contact Barclays to close the account. In the past week I have attempted numerous times to reach a customer representative on the phone ( the only way I can cancel ) with no success. Wait times typically run over an hour before I disconnect. These are not isolated incidents. Numerous complaints on social media indicate wait times up to 4 hours before people give up. Barclays is making it impossible to close this account. I do not want to do business with them, and there apparently is no realistic way for me as a consumer to terminate this relationship.

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 2020-10-07
Company: EQUIFAX, INC.
State: TN
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 sent my initial dispute request to Equifax on XX/XX/2019 via certified mail and it was signed by XXXX at Equifax on XX/XX/2019. It took them over 70 days to respond which is well beyond the 30days requirement per the Fair Credit Reporting Act of which I asked them to delete the disputed items. They ignored my request and ignored their negligence. I hence informed them of Identity Theft providing a copy of my Federal Trade Commission Identity Theft report and a copy of my Police Report, they still continued to ignore my information and did not comply with Section 605 of the Fair Credit Reporting Act and did not  " block '' or " delete '' the items. The following accounts should be deleted immediately : XXXX XXXX, XXXX  XXXX XXXX, and US. Department of Education. I have certified mail receipts of over 5 Letters I have mailed to Equifax to correct the errors on my credit file. Please make sure they adhere.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-21
Company: EQUIFAX, INC.
State: TN
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 is a formal consumer to business complaint ; I have been attempting to get information removed from credit files since XXXX 2017, with no success ; have called, faxed, email and mailed written request to have errors corrected. I do not have a signed contract with the following companies ; I have never done business with these companies and not liable or responsible for these debts. I would like correction to all credit report files with removal of the following information. Accounts that are not mine and need to be removed : XXXX XXXX # : XXXX, XXXX XXXX # : XXXX, XXXX XXXX # : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # : Unknown, XXXX XXXX XXXX # : XXXX, XXXX XXXX XXXX at XXXX # : Unknown, XXXX XXXX XXXX # : XXXX, XXXX XXXX XXXX XXXX # : Unknown. I Have never lived at XXXX XXXX XXXX XXXX XXXX, TN XXXX or XXXX XXXX XXXX XXXX, TN XXXX also remove inquires from XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX and XXXX XXXX I have never applied for credit with these companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-08
Company: Lockhart, Morris & Montgomery Inc.
State: WI
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
LOCKHART, MORRIS & MONTGOMERY are reporting to the credit bureaus a collection of {$2500.00}. I have no relationship or agreement with them or anybody that they represent. I requested for validation of this collection/debt and was never provided anything. If there is any contract, the contract is fraudulent. On top of that, on XX/XX/2022 XXXX XXXX a representative of the company released my personal information over the phone to another party. XXXX XXXX on XX/XX/2022 confirmed to me that there was no confirmation of identity before she released my information as he reviewed the recorded call.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-16
Company: WAKEFIELD & ASSOCIATES, INC.
State: MO
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with XXXX, XXXX, in accordance with XXXX XXXX accord and XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-29
Company: Acceptance Solutions Group, INC
State: TX
Product: Debt collection
Sub-product: Payday loan
Issue: False statements or representation
Sub-issue: Impersonated an attorney or official

Complaint:
I was contacted by a  XXXX   XXXX   XXXX  at JJ legal processing via phone and left me a voicemail, stating if I do not contact them him immediately that this will be my final opportunity to resolve my issue, he proceeded to say that I have  XXXX  counts of financial fraud that is equivalent to check fraud, never in my life have I been accused of this, then he proceeded to call my place of employment and told them that he was an  officer of  some sort and I need to contact them immediately, left a number of  XXXX  and file number. I call the number ends up being a representative of the website mentioned above also goes by Texa s Acceptance, LLC an d he proceeded to say that he look up my records and shows that I have never be in trouble for the financial fraud, I proceeded to say I know  XXXX   XXXX  I have your badge number because you stated that you were an officer and he then said would you like me to call the  XXXX   county court house, I  said yes please, because I would like to know what 's going on. He proceeds, we wait on the line, no one answers, he hangs up, so Then he disclosed who is representing and that if I intend to pay, I was like due to my financial situation, I can not at the moment, then he stated something about my bank account and I stated that I closed it. Then that upset him and I told him I am going to contact a lawyer because I know my FDCPA rights and that is illegal to say he is an officer of some type at the beginning and threaten me and wrongful accuse me. I contacted a lawyer office and I was told next time they call for me to tell them I am reporting them to the FBI for impersonating an officer and against the law to keep harassing me

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-08
Company: Westlake Services, LLC
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
XXXX XXXX financial harasses me they call me back to back to back up to 6 times in a row if I dont answer. They call me over 7 or more times in one day, every day. They call me weekends sundays, up till XXXX! They call me from many different numbers over a dozen different numbers. They have found my parents home number and call them. They asked me to pay more than what my fees are. They dont ask me they demand me to pay. Its getting out of hand its been going on for months. I took the sales man to court because he sold me a lemon car but he lied and he got away with it. Ive been laying everything thays broken out of my own pocket, I dont have enough to be paying almost {$700.00} a month on top of my bills and paying over XXXX or more for the broken car I got sold. I have made a claim with them before they said they could not do anything about that.

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 2017-06-20
Company: CAVALRY INVESTMENTS, LLC
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
I originally had an account with XXXX XXXX back in XXXX, I filed for chapter XXXX, and that account was included. While the ch XXXX was underway, the original company sold this account to calvary portfolio service. My bankruptcy was successfully discharged as of XXXX/XXXX/XXXX. Recently, last week calvary portfolio began sending me collection letters AGAIN, offering me a settlement which violates my terms of my chapter XXXX case that was completed. I will included my discharge letter, a page from my credit report and the original account information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-06-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I am XXXX and could not work for over 3 months. I like to work PT just to get out of the house. I explained to them what had happened and I would try to pay what I could. Being on XXXX. XXXX is not very lucrative considering I used to make {$19.00} an hour before I became XXXX. I keep that PT job to make up for these other bills that I can barely pay trying to avoid bankruptcy. They call constantly ... .EVERYDAY ... ALL DAY LONG. At one point ... They called me 5 times all in a row like a pyscho stalker. One right after the other!!! I do n't know how many times I got to tell them the same story but they are not making my life any easier right now as I am looking at XXXX # XXXX here soon. I wish they would stop hounding me like this. They basically call on the hour, Every hour from different numbers. This is how bad I get harrassed!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-08
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:
XXXX XXXX XXXX is reporting a collection on my report after I have disputed the debt and asked for very specific verification details in which they will not provide. I am asking for verification of the alleged debt pursuant to my rights under the FDCPA. With respect to my verification request under the FDCPA, I requested a copy of a signed contract. Additionally, I requested that you cease and desist all collection activity, including credit reporting. That is, I requested that you delete any and all reporting made to any consumer reporting agencies. You have failed to address my very specific legal requests and are in clear violation of the FDCPA. 

First, you failed to obtain and send verification of the alleged debt by not mailing me a contract. Instead of sending me a signed contract or agreement as requested, you mailed me something stating the original creditor but this is not a contract or agreement and is nonresponsive to my verification request. Under the FDCPA, it is unfair or unconscionable to attempt to collect an alleged debt in any amount that is not expressly authorized by an agreement creating the debt or permitted by law. 

Second, you failed to cease and desist and delete your credit reporting of the disputed alleged debt. Under the FDCPA, it is a false, deceptive, or misleading representation or means in connection with the collection of any debt to communicate to any person ( e.g., a consumer reporting agency ) credit information that is known or which should be known to be false. 

Addittionally this is still reporting to XXXX XXXX and Experian and they never listed the account as being disputed from the collection agency which is another violation. Its sad that they are ignoring my mail and breaking the law without a care to do the right thing.

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 2022-03-11
Company: Genesis FS Card Services, Inc.
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I have a credit card that I have been attempting to make payments on since XXXX. Each time I have attempted to make a payment, I have been told through the customer portal that the payment was received. However, after each payment attempt, I get a notice that there has been a reversal of the payment without any further information. Additionally, this has somehow managed to decrease my available credit on the account based on the current balance. For instance, theres a {$700.00} credit limit, and my balance is currently sitting around {$590.00}. It now says my available credit is negative {$110.00}. I am expecting the payment to be reversed in the coming days as it has since Ive been attempting to make payments since XXXX. I do not know what else to do. The last payment I sent was done over phone instead of the website to ensure that it would go through.

Company response to consumer: Closed with explanation