BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-30
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have sent letters to the credit bureaus on XX/XX/22 and XX/XX/22 asking for account payment history to verify these charge-offs and amount being reported. I have not received any verifying documents and I am now requesting the attached accounts be deleted immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-12
Company: Experian Information Solutions Inc.
State: CA
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:
XXXX XXXX, has violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information An other adverse item of information. other than records of convictions of crimes which antedates the report by more than seven years 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-12
Company: Exeter Finance Corp.
State: TN
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
On XX/XX/XXXX I got ta car from XXXX on XXXX XXXX # XXXX XXXX. I was charged extra interest. I paid {$380.00} to Exeter Finance XXXX. A consumer law has been broken. On XX/XX/XXXX the car broke. I have warranty called XXXX that fixes specific parts of the car. My engine needed a replacement so i sent the car back to a company that warranty is through. It was called XXXX XXXX they found out it was the motor and tried to charge me {$7000.00}. They wouldnt fix it because I didnt have proof of oil changes. Before I sent the car to the shop they didnt tell me about any receipts. They cheated me. XXXX is a big scam. Exeter is trying to make me pay {$13000.00} for a car that is not running. I need help. The day I got the car they ran my credit several times to see if I can qualify for a car. They cheated me. 

Exeter Finance is the finance company that gave me the loan they want me to pay {$13000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-14
Company: Specialized Loan Servicing Holdings LLC
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
XX/XX/XXXX- Just finished a 5 year chapter XXXX to save our home. Upon coming out of the chapter XXXX we did not receive any bills or documentation stating SLS purchased our loan from XXXX XXXX. In XX/XX/XXXX SLS finally stated they were our mortgage company and made us fill out a total of 8 loan modification packets always coming back unfinished. We finally made them send us the previous bills and the month we got out of our chapter XXXX we still owed them the same amount we went into for XXXX. Now they are taking my home and I just want to safe my home and they will no longer speak to me and I also put my attorney on my account to speak for my behalf and they refuse to speak with her. I am in a catch 22 because now they wont speak to either one of us and in my heart there is no way to safe my house. I am desperate to safe my home. Please help. XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-02
Company: Paypal Holdings, Inc
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/XXXX I used my PayPal XXXX credit card to purchase XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Those items were never received. On XX/XX/XXXX I opened a dispute with PayPal, which they refuse to refund and closed without resolution on XX/XX/XXXX. I am reporting fraud, in that the system will not allow me to escalate further.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-09-30
Company: The Thomas Agency, Inc.
State: ME
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a collections letter stating I owe money to XXXX XXXX XXXX XXXX, and I have never done business with this company. XXXX XXXX 's phone lines are out of service, so I went there in person. There, an employee told me that XXXX XXXX recently purchased XXXX XXXX and that many people in my area were receiving these collection notices in error. She stated that some of the older accounts were never properly closed and are mistakenly showing a balance owed to XXXX XXXX that XXXX XXXX is now attempting to collect. A representative from The Thomas Agency would not give me any information and kept repeating that they have no further information. The manager from XXXX XXXX was supposed to get in touch with me and never did. I'm concerned that this false collection amount will damage my credit and also others in my community will have the same issue. 

The letter I received is dated XX/XX/22 and was sent to my parent 's address, which I haven't used in over a decade. I called and spoke to a representative with The Thomas Agency on XX/XX/22 and I also visited XXXX XXXX XXXX that same day. 

The XXXX XXXX XXXX employee that I spoke to stated that all of these false collection attempts are for the same dollar amount : {$130.00}. It is my understanding that XXXX XXXX XXXX is aware of the issue and not taking steps to correct it. The Thomas Agency may also be aware that the money they are attempting to collect is illegitimate, but they refused to give me any information.

Company response to consumer: Untimely response
Consumer complaint received 2022-12-11
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Was offered a loan by a scammer. Funds totaling twice the requested amount deposited into my checking account using a fraudulent third party check. Scammer asked to have the excess funds returned via wire transfer. I attempted this transfer three times, and the scammer deposited three additional fraudulent third party checks. This took place over two days. I called my bank to report this fraud. 

On the third day, the bank discovers the checks to be fraudulent - no endorsements, incorrect routing number, issued by a third-party unaware of her name being used, and from a bank that doesn't exist! 

Bank refuses to consider this fraud because I attempted to " spend '' the money by returning it via wire transfer. The only money spent from the checking account had real money to back up the debits. 

Despite my constant calling and filing of complaints, the bank refuses to submit this to their fraud department and the FDIC because the checks were deposited via a mobile phone with my account and the bank 's routing numbers on non-standard deposit slips. That there was no signature endorsement, the checks being third party from a bank which doesn't exist, from a party who did not know she was being scammed as well, doesn't seem to matter to my bank.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-02
Company: CBC Companies, Inc.
State: UT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
THE ACTION THAT I TOOK WAS TO REQUEST MY CONSUMER AND CREDIT REPORTS FROM THE FOLLOWING CREDIT AND CONSUMER REPORTING AGENCIES : XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AND ITS DATA REPORT BROKERS. 
THE SAID ABOVE COMPANIES HAVE NOT SENT ME MY REPORTS AS REQUESTED AS OF YET! 
THEY HAVE NOT RESPONDED AT ALL. 
ACCORDING TO THE ( FCRA ), I HAVE THE RIGHT TO A FULL DISCLOSURE OF ANY AND ALL OF THE DATA IN MY RECORDS AS A CITIZEN OF THIS FINE COUNTRY, THE UNITED STATES OF AMERICA.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-23
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
There is a judgment being reported by the XXXX major credit bureaus. I spoke with the collection agency and was told that the judgment would be completely vacated if it was paid. The amount owed was paid however it is still being reported on my credit bureau reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-07
Company: Capio Partners, LLC
State: LA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I get at least 8 calls a month from capio partners asking if they can speak with an unknown person to me. I have told the person on the phone that they have the wrong number and to please stop calling. They apologize and say they will remove my phone number but they will call again in a few days looking for a different name. These calls are always from a XXXX XXXX area code and are sometimes the phone number is different. The caller will not identify their name but they do say they are from capio partners collection agency. They called me twice today from XXXX and I'm sure they will call again in a few days

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-30
Company: Experian Information Solutions Inc.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting the removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days, and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.

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 2022-09-30
Company: National Credit Adjusters, LLC
State: AZ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This complaint is regarding account information below that has not been investigated and no information given. Its been over 2 months with no information given to me regarding these accounts. I have no knowledge of these companies and they shouldnt be reporting as I never gave permission for the reporting per Section 1681a -I sent correspondence to the Credit Bureaus regarding this. I was never notified in writing per 15 U.S.C 1692ag prior to accounts being on my credit report, within 5 days. Moreover, these accounts violate debt collections, and abusive and unfair practices per section 1692f ( 1 ) adding additional amounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-30
Company: KEYCORP
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
On XX/XX/2021 I signed a check over to my daughter XXXX XXXX who deposited into her account. The amount was XXXX Key Bank in XXXX WA. On XXXX XXXX. Cashed it then removed the funds out of her account. They did freeze the account but would let her get her work check out once a week on a frozen account well the check was not fraud and my daughter went homeless because of what they did. They did not return the check to the issuer instead said I need to get a harmless agreement from XXXX XXXX they said no because they cashed the check and said they need to return funds to XXXX XXXX and they would issue me a new check it's been a year now and still want XXXX XXXX to right a harmless agreement help I want my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-30
Company: EQUIFAX, INC.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting the removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days, and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-11
Company: CVB FINANCIAL CORP.
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I am a XXXX XXXX XXXXXXXX that has been living in the Philippines since 2006 and Citizens Business Bank knows this, and they have been sending me my ATM Card every 3 years so I can withdraw funds to live on, but recently they were very, very slow in renewing my ATM Card as it took 2 months to receive. During the first 3 calls to XXXX XXXX  I was told the card had been sent but on the 4th call I was told they would NOT be sending a ATM Card after all. I was furious as I was LIED to and we were/are desperately in need of funds for food and to keep the lights on but XXXX did not and does not care!! I have been their customer for 34 years ( some of those years while the bank had another name ) and I was deeply hurt... more like crushed to be treated so unprofessionally. 
I finally received the ATM Card and called to activate same and was seemingly successful only to discover the ATM Card didn't work while attempting to use it on multiple occasions. 
I called the ATM / Debit Card Hotline for help and they could help me because they said my records where not " up to date. '' They wanted to send me a verification code to an old cellphone number that I no longer use. I was stuck and locked out AGAIN, so remain so to this very day. I suggested that they send to code to my e-mail address which they have on file and the one I use for verification and bank account login but they said it was the wrong e-mail address ... which is crazy because it's the same e-mail address that " again '' the send me regular emails too. 
Bottom line is we need funds and we need funds NOW!! XXXX is even blocking the use of my Online XXXX XXXX Account which I have used several times before due to the late arrival of previous ATM Cards. Thus, they have completely shut me down in every way ( at this time ) to access funds and they are heartless and don't care!! They have said they would snail mail me " checks '' so I could open a local bank account and deposit said check but that process will take about 2 months as there is a month hold on a foreign check here until it clears. This is a Total Nightmare and I need HELP Immediately!! Thanks in advance ... as I quote : XXXX, XXXX XXXX To : XXXX ' Cc : # XXXX Wed, XX/XX/XXXX at XXXX AM Good Afternoon XXXX XXXX It seems we will be able to send you checks the cost will be {$59.00} as the shipping is extra to go out of the country. Please confirm the mailing address. We currently show : XXXX XXXX XXXX XXXX XXXX XXXX Is this correct? 



XXXX XXXX is not an option with Citizens Business Bank. 



Thank you, XXXX XXXX | Service Support XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX P XXXX | F XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-17
Company: WELLS FARGO & COMPANY
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Im currently applying for tech jobs and I received an email from a recruiter stating that I might be a good match for a company called XXXX, and I should apply and interview with them. I researched the company and found it to be legitimate. In the email Im given details on how to set up my XXXX account and reach out to the person from XXXX who will interview me. I connect with this person via XXXX and interview with them and after a few days Im told that Im hired. I get a call from them that they would like to start training in a little over two weeks. I researched the company through their official website and researched the person I was in contact on XXXX so that would know that they were the real people from XXXX. As it turns out, the scammers were impersonating real people that actually work for the company, using their information from XXXX. Its a remote tech job and Im told that the company will be supplying me with a new laptop and other devices for me to succeed in my new role. Im told that I will be receiving a check that I need to deposit to the ATM in my bank and then Im provided with the tech website where the equipment is going to be purchased. I receive the check, I deposit it and go ahead to the website, XXXX, where I purchase the equipment. The options for the payments are XXXX, wire transfer and XXXX XXXX. I choose wire transfer as its more convenient and I go ahead and wire transfer the money to the recipient. Two days later I get an email from my bank that the check that I deposited is not valid and its returned. Therefore the money that I deposited is no longer there and now Im out of {$8600.00}. As soon as I discovered that the check was fraudulent, I contacted my bank to begin a recall. I spoke to 3 different agents and each of them gave me conflicting information, which led to it taking an entire business day to initiate a recall. At this time Im not sure if any funds will be recovered, and my bank is now trying to collect a balance from me for funds that they themselves represented as available when in actuality they were not.

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 2022-08-24
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XXXX accordance with the Fair Credit Reporting act XXXX XXXX XXXX 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 2022-12-11
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
XX/XX/2022 - {$300.00} Someone STOLE my card and got themselves {$300.00} of XXXX XXXX. Called Wells Fargo and made a claim, they responded through mail saying I authorized it through my PIN. In this day and age, spying, thieving, and other XXXX XXXX is easy, its disgusting. Why do they not ask for ID when someone spend over {$100.00} or {$200.00} AT LEAST? 
I already dont have much, this is disappointing. Never again Wells Fargo and 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