BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-03-17
Company: EQUIFAX, INC.
State: TX
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:
Im submitting this complaint against XXXX, Equifax, and XXXX due to their total disregard for my consumer rights under the FCRA/FCBA/FDCPA. For several months now, I've been disputing inaccurate and unverifiable information showing up on my credit report by this company. I have requested intimate information about the alleged accounts, including a copy of an agreement with my signature on it, but I have yet to receive anything. These companies continue to electronically verify these " ghost '' accounts without providing any legally binding evidence, such as a signed contract and complete accounting of the record, as required by law. They're clearly lying and thus the reason Im asking for proof. However, these companies refuse to provide it, which is not right and is not compliant with the FCRA/FDCPA. Im absolutely fed up. My life has been in complete ruin as a result of this. It's causing enormous mental and financial distress, preventing me from getting approved from credit that I am rightfully entitled to, and not to mention the ample amount of time that I must take out to try and resolve this matter myself. This has brought a great deal of harm to my family as a whole as well. Ive just had enough! Please help! I hope to hear from you soon.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-23
Company: Nations Recovery Center
State: GA
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
Nations Recovery Center XXXX is trying to collect from me a judgement they say I owe from 2007 in the amount of {$1000.00}. I signed a consent judgement and paid directly to XXXX XXXX XXXX XXXX XXXX, XXXX in the amount of {$780.00}. I sent a letter to Nations Recovery stating this exact information and they in return send me a copy of the consent judgement. They have not sent any proof from XXXX XXXX XXXX. I feel they are pulling information from XXXX XXXX online court system and trying to fraudulently trying to collect money from me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-17
Company: AMERICAN HONDA FINANCE CORP
State: FL
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 Have honda Finance loan. I forgot to pay my monthly payment on XXXX XXXX XXXX.I got call from Honda Finance on date XX/XX/XXXX about my monthly bill. I told them ok i will confirm in my bank bill pay schedule and if not i will pay today. I paid same day from my bill pay {$1500.00} for two months [ XXXX and XX/XX/XXXX ] but My Bank XXXX hold that money because they thought that this is not my regular payment so they hold it without my permission. I got call again from honda finance on XX/XX/XXXX about my bill pay I told them that i paid already on XX/XX/XXXX so you receive check on XXXX XXXX i called my bank on XX/XX/XXXX, that did they sent payment to Honda finance and that time they told me that they hold it and send check to them instead of send them electronically. because of all holiday XXXX XXXX and XXXX XXXX honda finance received check on XX/XX/XXXX. I again called XXXX XXXX  on XX/XX/XXXX to confirm about my payment and they suggest that still Honda finance didnt deposite check in yr account so they suggest me to cancel check amount of {$1500.00} and pay again two separate payment of {$750.00} and {$750.00} on XXXX. Honda finance received two deposite money on XXXX XXXX XXXX.I attach here my Bank Paybill Schedule and Honda Finance Payment History for yr kind information. You can see that they deposite my {$1500.00} Check on XXXX XX/XX/XXXX and refund on same day because i cancel that Check from my bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-17
Company: WLCC
State: IL
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Someone hacked into my email and deposited funds into my personal account that was closed. When I was aware of the aware I quickly notified them to cancel and take their money back. They claim that they dont have their money and are contacting me saying I owe close to XXXX. This is a fraudulent payday loan and I want this debt canceled and contact seized.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-09
Company: National Credit Systems,Inc.
State: KY
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:
I received a letter from National Credit Services indicating they collecting on an old debt from a former apartment complex. I sent in writing a letter disputing the debt and the amount owed. The next communication I received from them was a letter stating I failed to setup and arrangement or respond and they were getting ready to report to the credit bureau ( dated XXXX XXXX ). After receiving the letter on XXXX XXXX I called to inquire about my dispute. The agent was very rude stating they verified with the apartment complex and it was valid. He told me a letter was sent XXXX XXXX. I told him I only received the XXXX XXXX letter with no mention of a dispute, letter, or bill. He stated they did n't have to send it and continued to try to collect the debt. I requested a supervisor who also stated they sent it, I was on a recorded line and they had me on tape saying I received it. I again stated I had not received a statement or acknowledgement of the dispute and I believed they could not report until they acknowledged my dispute and validated the debt. He told me they would report me over the weekend of XXXX XXXX if I did not make a payment, he offered to set up a payment plan then stated he would send me bill from the creditor after I did so. I setup a payment to receive a copy of the bill and save my credit score. I do not believe this company followed the law because they did not send me verification of the debt, prior to continuing collection efforts. To date I have n't still have n't received a copy of the bill which they allege they initially sent on XXXX XXXX.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-21
Company: EQUIFAX, INC.
State: NE
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:
Im submitting this complaint against XXXX Equifax, and XXXX  due to their total disregard for my consumer rights under the FCRA/FCBA/FDCPA. For several months now, I've been disputing inaccurate and unverifiable information showing up on my credit report by this company. I have requested intimate information about the alleged accounts, including a copy of an agreement with my signature on it, but I have yet to receive anything. These companies continue to electronically verify these " ghost '' accounts without providing any legally binding evidence, such as a signed contract and complete accounting of the record, as required by law. They're clearly lying and thus the reason Im asking for proof. However, these companies refuse to provide it, which is not right and is not compliant with the FCRA/FDCPA. Im absolutely fed up. My life has been in complete ruin as a result of this. It's causing enormous mental and financial distress, preventing me from getting approved from credit that I am rightfully entitled to, and not to mention the ample amount of time that I must take out to try and resolve this matter myself. This has brought a great deal of harm to my family as a whole as well. Ive just had enough! Please help! I hope to hear from you soon.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-14
Company: UNIVERSAL ACCEPTANCE CORPORATION (NE)
State: WA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
CarHop of XXXX took XXXX payments on XXXX billing cycle XXXX and XXXX and refused to return the overpayment of XXXX in a reasonable manner stating the overage could only be returned by check in several weeks but payment was taken by ach. XXXX the first representative said she would do a reversal ASAP and the manager refused to do so even after proof of overpayment was submitted. As a former loan agent of XXXX XXXX XXXX I have in the past done an ach reversal or wire when a customer was due funds. Both can be done same day if submitted by XXXX XXXX  Each businesses day or set for the next business day.Also as a separate subject now that the company has broken contract the interest exceeds State Maximum under the usery law.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-21
Company: Paypal Holdings, Inc
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On XX/XX/2021, I ordered merchandise from a website, XXXX in the amount of {$99.00}. The website only accepts PayPal as a payment option. When I made payment for the merchandise, the confirmation of payment from Paypal I received listed the seller as someone with a XXXX-based email account. Additionally, the purchase information did not match what I just bought on the website. The website lists a US address and contact information for the website, so I realized I had probably just been the victim of fraud. 

I immediately reached out to PayPal to notify them of the suspected fraud and they opened an investigation. I also contacted the phone number on the website which is a non-working number. 

Within 4 hours, Paypal responded that the transaction was legitimate and they would not pursue it further. I contested this decision using their appeal process. On XX/XX/2021, their appeals division confirmed the previous decision that they would deny my claim on the basis that the transaction was not unauthorized. 

In my dispute, I stated that it could not possibly be authorized if the seller is taking funds from consumers via Paypal and not providing/shipping the merchandise purchased. How can this be authorized by Paypal? They would be an accomplice in the fraud. Paypal disagrees and is not approving the claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-08
Company: CASHCALL, INC.
State: FL
Product: Consumer Loan
Sub-product: Installment loan
Issue: Taking out the loan or lease

Complaint:
I owed a company for a loan I applied for XX/XX/XXXX. XX/XX/XXXX, I began making the payments with a collection company. I was to make 8 payments, then the loan would be paid in full. I made the last payment XX/XX/XXXX and was promised a paid in full letter. I paid a total of {$1400.00}. XX/XX/XXXX, another collection agency contacted a couple of family members stating that I was being charged with fraud. I immediately called and found out that it was a XXXX collection agency trying to collect for the same company. They proceeded to tell me that there was a APB out on my car and the police were in route to come and arrest me. She proceeded telling me she can stop the police if I come up with the balance before XXXX. I tried to explain to her that I had already paid that debt off. But she said that I could explain that to the judge. My kids and I was terrified. We thought I was going to jail. I borrowed my mother 's credit card and paid the balance ... {$1600.00}. They sent me a paid in full letter. By that time, I received a paid in full letter from the first collection company. When I really think back, it never really clicked that this could be a scam. I 'm not sure what happened. These XXXX collection agencies were collecting for the same company. I 'm currently getting my credit repaired. Letters of validation were sent out on my behalf to this particular company. I received the original contract and a letter stating that the debt was sold XX/XX/XXXX, to a totally different collection agency.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-17
Company: EQUIFAX, 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: Credit inquiries on your report that you don't recognize

Complaint:
Yes I looked over my credit reports, thanks to the weekly Free Credit report by Annual Credit Reports and see that there are unauthorized inquiries reporting on my credit reports by the XXXX, Equifax and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
There was a home Invasion at my house, One Of The Items That Was stolen Out Of My House Was My Laptop With All Of Me and My Wife Personals Information. Me and My Wife have Been Victim Of Identity Theft They somehow Open Fraudulent Accounts Using Our Information. 
Attached You '' ll find Police 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 explanation
Consumer complaint received 2015-04-28
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: GA
Product: Consumer Loan
Sub-product: Installment loan
Issue: Taking out the loan or lease

Complaint:
I went onto Springleaf 's website to see if I prequalified, and it states " I understand that checking to see if a prequalified offer is available for me will not affect my credit score and that this is not a loan application. If an offer is available for me, I will still need to apply. '' So I have never been told that I need to apply, I was asked more information. This morning I had a hard inquiry but I never signed anything or was told that they will be doing a hard pull on my credit report or I would have not gone through with giving anymore information. I called and the lady said that ALL financial companies do a hard pull. So I feel like they trick the customer by showing this will no affect your credit score. They should have told me that up front but they did not.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-10-24
Company: WELLS FARGO & COMPANY
State: TX
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
Wells Fargo Dealer Services ' Loan Managers from their XXXX XXXX XXXX XXXX agreed to remove the negative information they reported about me to the XXXX major Credit Reporting Agencies-XXXX, XXXX, and XXXX. 

I have tried reasoning with them over the phone, by mail, by fax, and by disputing the negative information issue online with all three credit reporting agencies dispute resolution centers. 

I have not had any success with Wells Fargo Dealer Services keeping their end of the deal, but yet I was able to keep mine. 

The deal was, that if I was able to refinance my auto loan with them to a different lender they would remove all negative information such as late payments, and partial payments, etc. from my credit report files. 

I followed through with my part of this agreement by refinancing with XXXX XXXX XXXX XXXX, and on XXXX, 2016 my auto loan was paid in full with the lender I refinanced with. 

Therefore, I 'd like to know why Wells Fargo Dealer Services has not kept their end of the deal, and I am also going to allow them 30 days from the time they receive this complaint to remove late payments, and negative information on the auto loan account I had with them before I firmly decide to escalate this to a higher authority. 

Please note, although this agreement was made verbally over the phone with their XXXX XXXX XXXX XXXX, this was the only method of negotiation this deal since they do not allow customers at their XXXX XXXX XXXX XXXX 's, and the Wells Fargo branches do not handle the auto loan accounts that Wells Fargo Dealer Services manages, and oversees, thus the reason why it 's been difficult on reaching out to someone from their company who is able to actually take action towards my favor.

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 2016-10-06
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MI
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
Credit use was accessed thru someone that i lived with. This XXXX Bank credit card use was fraudulent ( not authorized by myself ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-17
Company: CAPITAL ONE FINANCIAL CORPORATION
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
Its been a while and I have not had access to my checking account online since I do not have a US cell phone to send an SMS security code as a second identification. I've talked to Capital One numerous times requesting to use my email to receive the security code which is how I always had received it. I finally decided to close my account but Capital One will not release my funds unless they can send me a security code on a US-based cell phone. I have repeatedly told Capital One that I live in XXXX and do not have a US-based cell phone. I can not get a US cell phone without residing in the US. I don't have a US driver 's license. My IRS and XXXX correspondence comes to me in XXXX. A Supervisor, XXXX, Employee # XXXX told me to send in a fax for a Wire Transfer and gave me the fax # XXXX. I sent a fax on XX/XX/XXXX at XXXX East coast time. I call that evening to verify my fax was received. No one could give me an answer. I was told to call back in the morning. I called at XXXX XXXX  on XX/XX/XXXX and finally connected to the Wire Transfer department. After a long wait trying to find my fax, I was informed that they received my fax but they no longer accept faxes and I need to be verified by sending me an SMS security code on my US-based cellphone. XXXX, Employee # XXXX, said that is the only way I could send a wire transfer. Ive suggested sending a copy of my US Passport issued by the State Department but was rejected. I'll be XXXX on XX/XX/XXXX, living with my wife taking care of her mother who just completed her XXXX XXXX treatments in XXXX this year. We're living off our Social Security and our cash savings is extremely important to us. We do not need this kind of harassment to get our money out of Capital One and transfer it to the XXXX XXXX  XXXX XXXX XXXX. I have not had access for months to my online banking or credit cards to verify purchases and watch for any fraud because I do not have a US-based cellphone. We need our cash available to us for any unexpected expenses. Your assistance is extremely appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-14
Company: TransferWise Ltd
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This company continues to try to collect a debt of {$750.00}, although it is clear that I do not owe it and that a XXXX party that is in privity with it is the party that may owe the money. The company has been told by me, XXXX and government regulators tgat no debt is owed. Therefore the company can not collect a non-existent debt. Nor can it sell a non-existent debt. Nor can a company continue to demand payment, after being put on notice of such facts, without violating federal debt collection statutes. Please sanction it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 recently checked my credit report and noticed fraudulent accounts on my credit report.I reached out to the creditor to request the accounts to be removed and they have not removed it. These are fraudulent accounts and need to be removed immediately.

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 2022-04-09
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX number ( XXXX ) XXXX all inquires were supposed to not be hard inquires- no I impact to credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation