BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-07-22
Company: WLCC
State: SC
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Struggling to pay your loan

Complaint:
I received loans with these companies. I was unable to make the huge payments so I went with a debt solutions company to help consolidate the payments and lower the percentage rates. XXXX XXXX XXXX was able to get my payment to {$550.00} twice a month. Im am still really struggling to make this payment. I can not continue this payment as it is too much of a strain. I do not want to default on my obligations but the costs associated with the loans are exorbitant. Any help would be greatly appreciated as I do not wish to file bankruptcy. I am also wondering about the legitimacy of these companies to charge these high APR 's ( Arrowhead is 601.15 %, XXXX 228.37 %, XXXX ( 228.37 %, XXXX 176.03 %, XXXX 139 %, XXXX 134 % ). I reside in SC and am not sure of regulations on these companies. Thank you, 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
Consumer complaint received 2022-08-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
I noticed my XXXX XXXX, XXXX WAS REMOVED FROM MY CREDIT REPORT AND HAS DROPED MY UTLIZATION SEEMS TO BE ON PUERPOSE BECUSES I NEVER CLOSED THIS ACCOUNT AND ITS IN GOOD STATDNING. 

MY XXXXXXXX XXXX ACCOUNT # XXXX XXXX XXXX XXXX LAST 4 XXXX ADRESS : XXXX XXXX XXXXXXXX XXXX XXXX XXXX NC XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-03
Company: Empire Financial Services, Inc.
State: MO
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
There are a few violations I feel like are unfair with my loan, and when I have tried to reach out to resolve. There has been dismissal, and rude representatives. 

1. There was never a disclosure or mention or consent to/of GPS tracking inside of my vehicle within my agreement/contract, proven by assisting in repossessing my vehicle from an undisclosed location. I called to discuss this when my vehicle was recovered and the representative said they checked my documents and there is a document baring my signature consenting to the GPS tracker knowing my location. When asked for this said document, there has been no evidence and noncompliance in providing me this document. I have a copy of this document and there is no mention. 

2. Due to coronavirus, I was unable to pay in XXXX and XXXX, and a verbal agreement acknowledged by email on XX/XX/XXXX of my application & approved for unemployment. I was able to make minimum payments from my savings until that ran out and before unemployment was actually sent. Therefore made me unable to make a few minimum payments until new employment came in XXXX. I was unable to get ahold of the manager to update on new job until XXXX and when contacted, was then refused the ability to refinance as once before agreed upon on XX/XX/XXXX, and leading to my car being repossessed on XX/XX/XXXX. 

3. I placed an inbound call to the financial department to leave a message for the manager to call me back to further discuss the arrangement on XX/XX/XXXX. I was greeted by a rude receptionist who tried to collect a payment on the call disclosing details of my debt without my consent nor verification while disclosing and trying to discuss details of the loan. This call got heated as I refused to discuss this matter with this said representative, I proceeded to hang up and call back to request a manager to make them aware. This same representative called me back on a non business day ( Saturday XX/XX/XXXX ) to leave a hostile voicemail instructing me to call back to her specific said department/extension. Nothing was done when I reported this harassment matter within the proper channels as instructed by my sales representative. 


I feel treated unfairly and dismissed and having a repossession was not my intention and I do not feel as though it is warranted in these unprecedented times.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-13
Company: Experian Information Solutions Inc.
State: GA
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 the Fair Credit Reporting act XXXX Account # XXXX, and Account # 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 2020-10-09
Company: PNC Bank N.A.
State: GA
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: Problem with personal statement of dispute

Complaint:
I have a lot of Inquiries from different lenders that I didnt approve off

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-26
Company: Resurgent Capital Services L.P.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
On or about XX/XX/XXXX I charged gasoline at a XXXX XXXX on XXXX XXXX and XXXX. At that time, my card was evidently recorded without my knowledge and subsequent charges were made on XXXX between XXXX and XXXX at multiple locations. Upon receipt of my XXXX statement, I informed them of the fraudlent charges and cancelled my card. I believed the matter was solved, but I have subsequently received serveral calls and emails from initially, XXXX XXXX. After explaining the situration, I thought the matter was resolved. Recently, I had an email exchange from LVNV Funding LLC regarding the same charge which was {$1200.00}. After I explained ( again ) the fraudlent charge, I thought the matter was resolved. Yesterday I noticed on my XXXX credit report a collection was filed on XX/XX/XXXX. I state again, this is not my charge and it should be removed from my accounts

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-14
Company: ALLY FINANCIAL INC.
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Can't contact lender or servicer

Complaint:
Can't reach National AutoFince Company to release title ... 15 year 's ago, XXXX, XXXX, XXXX now XXXX. I tried to contact them regarding vehicle purchased through them from XXXX XXXX XXXX in XXXX, Fl. Purchased at there dealership. The lien is wrong with me being co- signer it's backwards, my ex spouse was cosigner. This was fully paid off. They said I owed interest of XXXX???? This company is no longer in business and I need his name off lien.

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 2017-07-22
Company: TD BANK US HOLDING COMPANY
State: TN
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
XX/XX/XXXX I WENT TO TARGET TO MAKE A PURCHASE WITH MY XXXX CARD AND IT WAS DENIED. ADVISED TO CALL THE ACCOUNT MANAGEMENT NUMBER WHICH XXXX, SPOKE WITH A MANAGER NAME XXXX IN XXXX AZ ID NUMBER XXXX, HE INFORMED ME TO CALL MY BANK SO THEY COULD HEAR MY ACCT INFO ADVS IM NOT BECAUSE A PYMT WAS MADE ON XX/XX/XXXX, AND FUNDS CLEARED MY ACCT ON XX/XX/XXXX, HE ALSO ADVISED THAT IT SHOWS MY CLEAR MY ACCOUNT PYMT WAS CLEARED. HE ADVS ONCE I CALL MY BANK AND HE HEARS MY BANKING INFORMATION THAT MY CARD WOULD BE ACTIVATE AGAIN. I REFUSED THEN ASKED FOR HIS SUPERVISIOR HE REFUSED TO TRANSFER ME TO HIS SUPERVISIOR OR GIVE ME THE COPR OFFICE NUMBER. I ADVISED HIM ITS AGAINST THE LAW AND HE STILL REFUSED ALL INFORMATION. HE ALSO REFUSED TO GIVE HIS LAST NAME AS WELL.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
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:
I have attempted to resolve this issue with TRANSUNION multiple times. Do to a language barrier with all TRANSUNION representatives this is nearly impossible. 
I am requesting the following inquiries be removed. These are not mine. 

( XXXX XX/XX/2021 ) ( XXXX XXXX XX/XX/2021 ) ( XXXX XXXX XXXX XX/XX/2021 )

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 2022-03-14
Company: Checkr, Inc
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information is incorrect

Complaint:
XXXX ordered a background in XXXX XXXX. Checkr reported incorrect information stating I did not have a current valid driver 's license. 
They provided information on a license I no longer have for Florida because I now have a Michigan license since I now live in Michigan & you can't legally have 2. I filed a report with Checkr explaining the issue. They asked me for a copy of my Michigan license & I gave them a copy. Checkr corrects my report & tells me it's clear & to wait on XXXX. Months later XXXX insists they never got the corrected report ( even though I could see the corrected report when I logged into Checkr ). I argue with them for days, so they just order a new report from Checkr because they never got notified that it was corrected. What does Checkr do? They go back to reporting incorrect information and not including the Michigan license information I gave them last time. 
Now months later I am back to having an incorrect report in Checkr & again denied the ability to drive for XXXX. I have attached the initial incorrect report, the emails to Checkr regarding correcting it, The previously corrected report after I complained, The now once again incorrect report & my 2nd email regarding correcting the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-07
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:
I believe that somebody used my personal information and applied for following accounts, it's not my account. Therefore the following information needs to be reinvestigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature.

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 2017-07-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
On XX/XX/2017 @ XXXX XXXX EST, a man contacted my roommate 's cell phone claiming to be Attorney XXXX XXXX from New York. He called from ( XXXX ) XXXX and told me that Capital One wanted to take legal action against me for an old debt and the amount I owed for the debt and restitution was around {$500.00}. He told me that I needed to pay the full amount immediately or else Capital One would take me to court and have my local government charge me with theft, fraud and possibly spend up to a year in jail. He offered to take payment via XXXX XXXX, my bank account or another credit card payment. I told him I could n't pay for a couple of days and he pushed and pushed for an immediate payment, but said he would call back later so I could try to come up with the money. I did a reverse phone number search and found that it was a non-fixed Voip number from XXXX XXXX, NY, however, when I searched for his name and business in New York, I found nothing. I did ask my roommate to call the number back to see if and how he answered the phone and he did answer " Attorney XXXX XXXX XXXX XXXX '', before she apologized and said she had dialed the wrong number. I do n't owe any old credit card debt for that amount from over a year ago and my roommate has been receiving excessive scam calls lately. The man sounded very professional and was the most believable " scammer '' I have talked to so I would hate for someone to trust and give him their hard earned money. Thank you for your help

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-07
Company: SUNTRUST BANKS, INC.
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I opened a business account with Suntrust in XXXX and made a cash deposit into the account. The next month of XXXX I deposited a check into the account and Suntrust then started the process of closing my account XX/XX/XXXX. The reasoning was not following rules and regulations. I have no idea what that means. I felt the company wasted my time. The representatives told me the account would be fully closed within 10 to 15 days. That frustrated me but I just waited. XXXX weeks has since went by and now the representatives tell me with this investigation Suntrust has no time frame on when they will return the money that was deposited into my account back to me. 
Every time I call and reach out trying to find out any information on whats going on with my funds I receive different information and no one can help me. A supervisor told me there is nothing else I can do but just wait.

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 2022-06-13
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:
In accordance with the Fair Credit Act XXXX XXXX Acct # 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 an account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-21
Company: Stellar Recovery, Inc.
State: PR
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 do not owe a XXXX account. The Tv service I had for the suppose time of period was from a local tv provider, XXXX PR.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-02
Company: Nelson Cruz & Associates LLC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
On XX/XX/2020 I received notice that a collection account had been added to my XXXX   report from XXXX XXXX XXXX XXXX At this point I had not been provided anything in writing explaining this alleged debt. I sent them a validation letter which I mailed certified on XX/XX/2020. On XX/XX/2020 I received a letter NOT from XXXX XXXX XXXX XXXX XXXX but some company named Nelson Cruz & Associates claiming that XXXX XXXX XXXX XXXX was their client, and that I had an outstanding balance of XXXX which was assigned to their office on XX/XX/2020. Upon research I found that they are also a debt collection agency who is working under guise of a law office for XXXX XXXX XXXX XXXX to trick consumers into paying invalidated debts. I also sent the alleged law office a letter asking them to validate the alleged debt on XX/XX/2020, and have yet to hear back. 

On XX/XX/XXXX, I received a phone call from XXXX XXXX XXXX XXXX during which I asked the representative XXXX if they had gotten the letter she advised that they had received it. She advised that they would be sending a response soon I ended advising that I would wait for the letter before discussing anything further with them. However a few hours later I received yet another alert from XXXX advising that XXXX XXXX XXXX XXXX had hard pulled my credit report for an installment loan. I did not authorize them to pull my report and further they are a collection agency not a creditor who provides loans. I presume they pulled my report due to them trying to obtain information to validate the alleged debt. 

Additionally, the alleged debt upon research is for a company called XXXX XXXX who is no longer in business and have not been for at least 4 years. I have also reached out to them and they have no evidence that I owe debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-26
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have sent out multiple letters to XXXX and Experian regarding a bankruptcy that they have published on my credit report. I have provided both documentation from the court and a copy of my XXXX report that PROVES the reported bankruptcy should NOT be on my credit report. Both agencies continue to provide me with generic responses and neither agency has responded to my multiple method of investigation request.

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 2022-06-13
Company: EQUIFAX, INC.
State: GA
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 the Fair Credit Reporting act XXXX Account # XXXX, and Account # 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 response to consumer: Closed with explanation
Consumer complaint received 2021-06-14
Company: The Bureaus, Inc.
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
This account is reporting in accurately to my credit report. I have attempted in numerous ways obtain verification of this debt and have not received any documentation. I did not authorize anyone to open or sign in my absence therefore it can not be validated as a debt that I owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-22
Company: BBVA FINANCIAL CORPORATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I called because my card was declined when I was trying to pay the rent on the residential hotel where I was staying and was running late for work because of it. They kept me on hold for a long time after Itold them how urgent indexed help and we 're completely inflexible to helping me. They said ... my card was deactivated and did not offer me any solution. Even when I attempted to call order a replacement card they refused! They told me that they would not use the address of the residential hotel and we 're even going to proceed closing my account against my will. I tried providing the address of my employer and the address of a friend who agreed to let me receive mail there and they are refusing to replace my card. I 'm now 2 hours late for work and getting kicked out of the residential hotel where I was living. I 'm going to have to go stay with my friend who was previously just going to let me receive mail at his house. They say they are closing my account because I ca n't provide a residential address ( I have ). Now I have no access to MY money! I called BBVA Compass bank which owns Simple Bank. BBVA offered to help me but they were unable to access my account since it was with their subsidiary. They did contact Simple on my behalf but were still unable to help and transfered me back to Simple on the same call. I spoke with XXXX in customer service and he was unable to provide me with legal documentation stating the address requirements but refused to use the address I provided. He also refused to have my card mailed to a BBVA location which was a possible solution that the BBVA rep had offered when I was on the phone with them. I Lastly I asked him to provide me the contact information for their agent of service so I could file a lawsuit and he refused to provide me with that information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-26
Company: Collection Bureau of the Hudson Valley, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I vacated military housing in XXXX California and I returned my cable equipment - router/modem, cables and remote control to XXXX XXXX via FedEX to the address provided by customer service. My cable and internet service was discontinued via my cancellation on XX/XX/202 because I was moving. 

The FedEx delivery confirmation states the package containing the equipment was received @ XXXX am XX/XX/2021 and signed for by a person identified as : XXXX. 

A company called XXXX XXXX sent me a notice for " XXXX XXXX '' for {$100.00} in XX/XX/2021. I responded with a certified letter that the debt was in error and the equipment was returned. I included the confirmation of FedEx delivery with the letter. No response or resolution was ever communicated to me via XXXX. Never heard from them again. 

Now as of XX/XX/2021 I have a new company - Collection Bureau of The Hudson Valley, XXXX XXXX XXXX, XXXX, NY XXXX ( XXXX ) XXXX citing reference # XXXX stating the same thing- I owe them {$100.00} for unreturned XXXX equipment. This collection is in error. I contacted them via their email procedure and included the delivery confirmation as an attachment. 

Thank You

Company response to consumer: Closed with non-monetary relief