BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-08-24
Company: Diversified Consultants, Inc.
State: TN
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
I have received a letter from Diversified Consultants on XXXX/XXXX/2016. I responded to the letter on XXXX/XXXX/2016 with a delivery confirmation date of XXXX/XXXX/2016. I have sent the collection agency ( Diversified Consultants ) multiple letters via XXXX certified mail, stating that this was not a valid debt, and requested all information related to the alleged debt. But, I have not received any correspondence from them. Also the collection company is in direct violation of the FDCPA ; they have reported inaccurate and incomplete and non-validated information on my credit report to ( XXXX, XXXX, & XXXX ). Its very frustrating that someone can willfully ignore your request, and damage your credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-05
Company: TD BANK US HOLDING COMPANY
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Vehicle was damaged or destroyed the vehicle

Complaint:
I purchased a vehicle XXXX from XXXX XXXX in XXXX Texas banking institution who withdrawals for the loan is TD Auto Finance. VIN : XXXX ***THE ENGINE IS NOT WORKING*** This is after I had the problem worked on three times with XXXX XXXX and they rapped electrical tape around a few wires and charged me XXXX XXXX and something bucks with no actual repair. The vehicle what it has done and kept doing is shutting down on me when I'm driving down the highway to where I got to pullover real quick to the shoulder which is an urgent matter. It could cause an accident since it was properly fixed by XXXX XXXX of XXXX. XXXX XXXX has a personal problem with me and won't buy my truck back so I can go out and purchase another one which I tries on Saturday but truck vehicle popped up on my credit information and that dealer denied me a loan for the a new car. This truck has been setting in the back of my families property after I took it to XXXX XXXX XXXX and they didn't want to fix it either. TD Auto Finance I contacted them several times for a STOP payment request, XXXX XXXX, XXXX XXXX, and still TD Auto Finance kept sending me payment request to collect even after the truck still don't run. I have a photo of the truck and what I would like is it to be repossessed and or my credit repaired to normal so I can purchase a new vehicle. This is bs! Maybe perhaps a small amount back on the truck to put down for another loan on a new vehicle? XXXX XXXX has a bad reputation of scamming people and this is a scam rumors have it that a mechanic inside their shop tapper with my XXXX XXXX XXXX engine to cause it to malfunction like it did! I would NEVER purchase from XXXX XXXX ever again and the management there just laughs at my face and are very unprofessional. These people at XXXX XXXX don't ever need to report anything to my family on a subject like this when I'm XXXX years of age. What does that have to do with fixing my engine and or giving me my money back to go find me another vehicle. I need help, I want this truck out of my life and my credit repaired then a few thousand back to go purchase a new car? Please contact me at XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-04
Company: TRUIST FINANCIAL CORPORATION
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I called in about my account because I made two transfers on XX/XX/23 using XXXX, which show received but have not been made a viable, to my Truist account and the representative refused to speak with me claiming I did not have the ownership type needed. I am a joint owner and my name is on the account.

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 2017-02-09
Company: CITIBANK, N.A.
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
Citibank is testing my patience and I 'm getting tired of it. 
I applied this checking account ( # XXXX ) by XX/XX/XXXX under the {$400.00} bonus checking promotion and completed all the requirements on XX/XX/XXXX. On XX/XX/XXXX I sent an online secure message to verify my qualification of this promo. I got an email response ( Letter ID # XXXX ) on XX/XX/XXXX confirmed that my account has met the necessary requirements to qualify for Promotion XXXX, and I should receive my incentive 90 days from the date of the qualifying transactions. 
On XX/XX/XXXX, since it has already been 90 days but I still have n't see the bonus been posted yet, I 've send another inquiry via the secured message. The Online Client Services rep XXXX XXXX responded that the bonus shall be credited no later than XX/XX/XXXX. But that never happened. On XX/XX/XXXX I send another message regarding the promotion and got a very equivocal response from rep XXXX XXXX XXXX, which makes me started feeling suspicious. 
So I called Citibank on XX/XX/XXXX, the telephone rep XXXX promised me the bonus will be deposit within 2 days, and also provided me a confirmation # XXXX. Once again, that never happened. 
After XXXX messages, XXXX phone calls and nearly a month past the deadline, that 's when I know that all the Citibank reps was just prevaricating me, making up random dates and making me false promises. This is very irresponsible and unprofessional. Citibank is testing my patience and I 'm getting tired of it. They need to stop lying to their customers and started telling the truth.

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 2016-12-03
Company: Bliksum, LLC
State: WA
Product: Payday loan
Issue: Charged fees or interest I didn't expect

Complaint:
I pay XXXX % interest on XXXX. I knew about this but you do not have an OTHER so I can not tell you what most closely describes the problem. Here is that very problem : I 'm paying 118 % and did in-fact, STOP the auto payments from my bank account. Simple DEAUTHORIZE it. but, the problem is, I do NOT believe the XXXX % FAIR and I wo n't be paying it off until XX/XX/XXXX. 

That 's XXXX and XXXX style loans. The only difference is, you do n't " sleep with the fishes '' or " wear cement shoes ''. 

This is XXXX and they DO NOT help rebuild your credit, they DESTROY your credit, hassle and harass you every month when your loan payment comes due. 

I 'm just now getting on my feet and I BELIEVE that I paid them MORE than enough at $ XXXX a month in INTEREST on {$3000.00} since XX/XX/XXXX. That 's roughly {$6400.00} since XX/XX/XXXX and MORE than XXXX their money. 

I 'm tired of this and I WANT IT TO END. How is this allowed by XXXX XXXX and the Banking XXXX? How??? 

Do you, the FEDERAL Government XXXX this to happen? How???

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-19
Company: Bliksum, LLC
State: CA
Product: Debt collection
Sub-product: Payday loan
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
Lender makes repeated telephone calls without leaving messages ; they contacted my spouse ( who 's not a co-borrower ) asking for me to contact them ; and, they called me at my employer. These actions violate the Fair Debt Collections Practices Act and are harassing.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-09
Company: Credit Protection Association, L.P.
State: MS
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I received a collection notice in the mail from credit protection association l.p. about an account that I do n't currently hold with this company.. I recently contacted the company to about the debt.. I spoke with an agent name XXXX XXXX was rude, disrespectful and I was threatened several times.. XXXX referred to the company as his. I could never get a word in without him being rude and Disrespectful to me.. I immediately got upset with him, and cussed him ... I hung up with him and I got another agent who was a little better but had very little knowledge of his job as well..I asked to speak with a manager, after 10 minutes of being put on hold, I hung up because the manager never came nor did the agent check back in to let me know what was going on ... I have never experienced such rude customer service while trying to communicate with a company..

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-04
Company: Experian Information Solutions Inc.
State: NC
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:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.

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 2015-12-16
Company: Professional Finance Company, Inc.
State: CO
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Received a call that left a voice mail message about PFC Number was XXXX XXXX XXXX. In the message they said to look up online aboutPFC.com No indication of who they were looking for, or what the debt was. Checked my credit report and found there is no negative information on it. Also, I have no unpaid debts. 

Does n't sound like a legitimate debt collection agency at all!!!! 

Also I have received no notices for debt collection. Nothing absolutely nothing in writing. 

Made several calls to the number given and always straight to voice mail due to " high call volume '' Seriously? A debt collection agency so busy with people calling in to pay their bills that they ca n't answer the phone? 

This must be a total scam and a fraud. 

This morning I looked up online and there was a local number in the XXXX area code. So I called that and they refused to confirm that they actually knew my name or to tell me what the issue was. I told them to call me back and identify the issue and who they were looking for if they wanted to get it resolved. 

The lady on the phone insisted that I give them personal information over the phone to prove I was the person they were looking for. She said I should call back when I was ready to resolve the issue. Too busy to even call me back? What kind of scam operation is this? 

This is the contact information from the web site : XXXX XXXX : Professional Finance Company , Inc . 
XXXX XXXX XXXX XXXX, CO XXXX CORPORATE OFFICE : Professional Finance Company , Inc . 
XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, CO XXXX GENERAL INQUIRIES : LOCAL : ( XXXX ) XXXX TOLL-FREE : ( XXXX ) XXXX IF YOU OWE A BILL : ( XXXX ) XXXX FAX : ( XXXX ) XXXX OFFICE HOURS : Pay a bill in person : Monday - Friday XXXX XXXX - XXXX XXXX Pay a bill over the phone : Monday - Friday XXXX XXXX - XXXX XXXX

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-23
Company: Professional Finance Company, Inc.
State: CO
Product: Debt collection
Sub-product: Medical
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
On XXXX/XXXX/XXXX I received a call from XXXX ( would not disclose last name ) of Professional Finance Corporation of XXXX, Colorado about a debt of {$33.00} from XXXX XXXX XXXX. They wanted payment made over the phone. I refused not knowing whom I was talking to. I asked for details and followed up with XXXX ( would not reveal last name ) from XXXX. The file number was XXXX. Upon review of the file XXXX informed me that my insurance company had not been billed by XXXX and he would do so. Not trusting the system I went to Professional Finance Corporation in XXXX Colorado on XXXX/XXXX/XXXX and made a payment of {$36.00}. The original claim date was XXXX/XXXX/XXXX. In speaking with XXXX ( would not reveal her last name ) from Professional Finance Corporation XXXX XXXX, Colorado I was told they had made two other phone calls and sent me a letter as well. I received no phone calls or letter. I asked for documentation and XXXX informed me that I could not have that information. I was later sent a letter stating that the debt had not been reported to any credit reporting agency. I will follow up within 90 days by reviewing my credit report as suggest by XXXX of Professional Finance Corporation as a sufficient time for them to make any corrections. I received a statement from my insurance company XXXX on XXXX/XXXX/XXXX showing they in fact had been billed and that my co-payment was {$2.00}. I have made several payments to XXXX XXXX XXXX between XXXX/XXXX/XXXX and XXXX/XXXX/XXXX and ws never informed I had an outstanding balance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-07
Company: Professional Finance Company, Inc.
State: AZ
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
The original Debt came from XXXX XXXX XXXX. The debt was an error or their part and was not a valid debt. I contacted XXXX regarding this in XXXX of XXXX, they then contacted Professional Finance, which is the collection agency to advise this was not a valid debt, and requested it be revoked and removed form my credit report due to their error- this was not done by Profession finance. 
I pulled an annual credit report in XXXX of XXXX to discover this debt is still showing from this creditor and collection agency as an open account. So not only is it still showing as an open account, it is still showing on my credit report, which it should not be at all. 
I then contacted XXXX again in XXXX XXXX, they in turn contacted Professional Finance and spoke to XXXX on XXXX/XXXX/XXXX. XXXX advised that she would contact the credit bureaus and have this debt removed. As of today XXXX this debt still shows as an open account on my credit report. Professional Finance has failed to take the appropriate measures to remove this negative information from my credit report after several attempts and requests to do so.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-23
Company: Fidelity National Information Services, Inc. (FNIS)
State: MN
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I received my consumer report from Chex Systems and upon reviewing my consumer report, I discovered some unauthorized and fraudulent inquiries listed on my consumer report. The following inquiries listed on my consumer report are unauthorized and fraudulent : 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 chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-01
Company: Northland Group Inc
State: VA
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Northland Group called me on XXXX XXXX, 2015 regarding a debt owed by XXXX XXXX, the person who had my current phone number until last summer. I was assigned the phone number XXXX and have been receiving calls for XXXX, whom I do not know, have never met, and has never lived at my address. I requested Northland Group take my phone number off their call list and they said they would. I asked which company was collecting the debt so I could talk directly to them and they refused to tell me. I saw on my caller ID that Northland Group called again on XXXX XXXX, 2015, a week after promising me they would not call.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-28
Company: Financial Management Solutions, LLC
State: MD
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
FinancialreturnedThis is my 3rd complaint against this particular Collection Agency. First, the Collection Agency called my personal cell phone about the debt and threatened to ruin my credit if I did n't agree to attempt to resolve the debt, even though I denied the debt being mine. Secondly, the Collection Agency did not send me a Dunning Letter the required 5 days after contacting me by phone, but placed the collection on my credit files, which is in fact a violation of FDCPA. Only after I disputed the validity of the collection, did the Collection Agency attempt to " Partially '' validate the debt. I disputed the validity of the debt a second time and the Collection Agency attempted to " Partially '' validate the debt, sending paperwork duplicate to their first response. The Collection Agency also stated in their letter that they would simply refuse to validate this debt any further. I attempted on a third occasion to have the Collection Agency validate the debt in its entirety by sending them a Validation Letter by CERTIFIED Mail, Tracking No. XXXX, by which the mail was returned to me stating that it was not deliverable and unable to forward. Yet, I sent this Certified Mail to the address on the Collection Agencies Letterhead. The Collection Agency, being Financial Management Solutions has also REPEATEDLY placed Documented ( HARD PULL ) Inquiries, one of which FALSELY STATES that I 've recently applied for credit for an Installment Loan, on my Credit File which negatively affects my Credit Score, which is exactly what Financial Management Solutions explained that they would do. The Collection Agency also continued to Negatively report to the Credit Bureaus while the debt in question was under dispute. Financial Management Solutions, continues to report negatively on my credit files, even though they have stated that they are No Longer handling this particular collection.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-03
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
We have a mortgage currently serviced by Wells Fargo. We made a large ( 25 % ) payment of principal of the loan amount. They did not adjust our payments. We called, and it turns out, the consumer has to call Wells Fargo, request a form, have that form mailed to them, complete and return the form, and only then will Wells Fargo adjust the payments. If I had not called, they would have charged me the original amount for the next 29 years. This is something a computer will do in two seconds, and they should do it automatically. By failing to do so, they are overcharging, and misleading their customers.

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 2016-09-29
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Credit card
Issue: Advertising and marketing

Complaint:
Everyone 's familiar with those Capital One credit card ads on TV where they say " use our card and get frequent flyer miles on the airlines ''. They use movie stars like XXXX, XXXX, XXXX. Turns out those TV ads are a complete misleading lie. Capitol One has their own private definition of what constitutes frequent flyer miles, vs what we, the general public thinks. I had XXXX miles with them. Think you can fly to the other side of the world with them and back -- -- first class no less? Wrong!! Turns out what they 're really doing is giving you {$.00} credit for every XXXX mules you 've earned. Then you have to go through their website to list on an airline. It was still going to cost me some {$1200.00} plus. I instead went on XXXX and bought the ticket for {$900.00}. I want to sue them for false and misleading advertising.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-09
Company: Navient Solutions, LLC.
State: MA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint:
I have been cheated into higher payments due to blatant disregard and the criminal activities of XXXX and subsidiary company, Navient Solutions

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-06
Company: CITIBANK, N.A.
State: AZ
Product: Credit card
Issue: Other

Complaint:
I went down to best buy XXXX of 2014 and purchased a laptop where I was putting it on my best buy credit card that I currently had with them. When I purchased it they asked If I wanted to put it on my Best Buy credit card and I said Yes. So the purchase was made and I had automatic payments set up so that it would be paid off in a couple of months. XXXX XXXX to XXXX XXXX I received a letter in the mail from best buy stating that I have not made any payments to the credit card and they hit me with multiple late fees. I tried to explain to them that how is it possible to have more than XXXX credit card with them through best buy and that I purchased it knowing that it would go on the current credit card that I had with them. I asked them to remove the late fees and I just paid it off. Best Buy would not remove the late fees or would they remove it from my credit. Due to this error my credit score has declined and now it is hindering me from getting any loans or any type of credit. They said they understand my point but would do nothing to resolve it. If I knew that they were going to open a separate card I would have declined it. I just want it removed from my credit, It has all been paid off and I just want it gone from my history because it was not my fault that this happened but I have not had any help in this matter.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-10
Company: Fidelity National Information Services, Inc. (FNIS)
State: MA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have put a complaint on chexsystems in reference to a fraudulent account with XXXX that was opened in my name. I also attached the police report this is hindering me from being able to obtain an auto loan a chexsystems has not tried to help me expedite this problem and I have no transportation to get around and my approved auto loan is being delayed because XXXX of the conditions was to open a savings account

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