BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-10-28
Company: OPORTUN FINANCIAL CORPORATION
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
In XXXX I opened a loan under loan ID : XXXX I made all my payments on time and about a month ago I got a message that I qualified for a new loan. I went online to apply and I was declined, then I received a letter stating I was declined because I had a current loan. 
If this is the case, I should not have been told I qualified yet to re-apply. On XXXX the XX/XX/XXXX I called to pay of my current loan early, at that time I was told if I pay it off over the phone and want a new loan, I will have to wait 7 days. I was okay with that.
However, now I am being told I have to wait 90 days because I applied and declined, but that was because I was told I qualified right then. If I had known, I had to wait 90 days I would have just let the payments continue instead of paying it off early.
I feel this is mis-information that now cost me a chance to get a new loan. I like the rates and company so I really wanted to get and can use another loan to help with bills. I just do n't understand why they told me I qualified when I did not and now because of that,
I am being told to wait 90 days after I was told 7 on the phone

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04
Company: Block, Inc.
State: TX
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I have had a cash app account for over four years. For the last couple of years I've been buying some bitcoin. And one month ago I decided to transfer some of my bitcoin out of my cash app.

It asked me to verify my account by taking a picture of my drivers license next to my face which I did.

It said that it was gon na take one to two days to complete the verification. I waited about 10 days. I then reached out to support and they said they had my information and that it would take one to two days to complete the verification. I told him I had already waited 10 days. They assured me that it would be done.

I keep getting templated emails from different people that keep telling me they have my information and that it could take up to 72 hours to complete the verification and I have waited much longer than that. 

I have tried to problem-solve this myself by watching XXXX videos and searching on the Internet as to why there is a problem. I even suggested that we upload a new photograph in case the one that I originally uploaded was too blurry to read. I double checked and triple-checked the new photograph and uploaded it via their secure link. 


Every time I contact support they are basically saying the same thing and even though I'm telling them that it's been several weeks that I have been trying to get this accomplished They just come back with a templated email saying that it could take up to 72 hours one time they said it could take up to 10 days. 

This makes no logical sense because what they're telling me that amount of time has already passed and then some. I politely explained my situation and they keep sending me the same types of response and then sign off. I have asked to speak with a manager or a supervisor I have asked them to escalate the case so that we can get this resolved and I feel like I'm talking to a robot. No matter what I say I just get more templated emails. 

I have approximately {$8000.00} USD worth of XXXX in this app that I am unable to access. 

Once again thank you very much for helping me to resolve this problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-23
Company: World Acceptance Corporation
State: TX
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:
XXXX  received my Identify Theft affadivt of inaccuracies and fraudulent accounts on my report on XX/XX/XXXX. I included my insurance, utility bill, and notarized signed descriptive report of all innacurracies. I sent certified mail and received the receipt back they signed for the documents. I called over the phone and was told they refused to remove XXXX  XXXX  ( account opened fraudulent in my credentials ), XXXX XXXX XXXX, World Finance Corp all FRAUD accounts. I have been battling with the creditor as well as XXXX  and the refuse to remove these accounts from my report. I am suffering a great deal of XXXX. XXXX  keeps giving me the run arounds they removed all of the other fraud and inaccuracies but refused to removed these accounts. I was also told by a representative on XX/XX/XXXX that they do not honor identity theft affidavits and the theft accounts will stay on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-28
Company: ECMC GROUP, INC.
State: TN
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:
Code of Federal Regulation, Title 34 Education ( 34CFR628.405 ) Part ( 3 ) ( ii ) The prior holder of the loan must, within 30 days of receiving the notification from the guaranty agency request that any consumer reporting agency to which the default claim payment or other equivalent record was reported remove such record from the borrower 's credit history.There have been several disputes put into effect since XX/XX/XXXX. Acct number XXXX Company named ECMC is reporting paid account open on XXXX and XXXX report. The account was paid XX/XX/XXXX but on all 3 credit reporting agencies dates are XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I have disputed this account be removed twice to all 3 agencies. They state regions was the original creditor I never received student loan through regions my student loans were Federal loans opened in XX/XX/XXXX and XX/XX/XXXX, which was sold to other collection agencies throughout the years that cited lack of privity. The last date of delinquency was in XX/XX/XXXX as reporting on XXXX and XXXX. They violated FDCPAA by changing the DOFFD and DOFLA. Statue of limitations per FDCPA is 6 years in Tennessee these laws are being violated by XXXX XXXX ( acct XXXX ) opened XX/XX/XXXX, XXXX XXXX ( acct XXXX ) opened XX/XX/XXXX and ECMC orig delinquency date should be XX/XX/XXXX. I respectfully ask you to investigate my claim and expect you to immediately remove the outdated items identified in this letter and any additional outdated items that you discover during your investigation. Furthermore, after correcting my credit file, I request that you forward a corrected copy of my credit report to me at the my address. Finally, if your investigation determines the information is not outdated, I respectfully request you forward to me a description of the procedure used to determine the accuracy and completeness of the item in question. Documentation of late payments and signed documentation of signed contracts and consents In accordance with the FCRA I respectfully request you forward this information within 15 days of the completion of your re-investigation.

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 2017-10-19
Company: Pressler & Pressler, LLP
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I had complained about this previously in complaint number XXXX. I have now paid in FULL the entire about of the judgement filed against me, which by the way was three time the original debt, which they purchased for pennies on the dollar. I called the court yesterday to find out the status of getting my bank account hold released since I completed the payment of this judgement in XXXX. And I received a statement from the court showing a ZERO balance due, listing all the payments made and the amounts. I was told that the collection agency is looking for MORE money. {$47.00} to be exact. And the woman from the court was going to make a second call to them to find out the status. And would call me back if she made any headway. Needless to say I did not hear back from her. I also went on the website NJ courts to see the status of the docket. The case status shows as closed. The Proceed status shows as completed. And there is a Document type of " Wage Exec Iss '' that shows as ACTIVE. My wages were never garnished. And I would like to know why this is active. And how I can get a COMPLETE release from Pressler and Pressler stating  I have COMPLETELY and TOTALLY satisfied any and all judgement and dealing with them. XXXX XXXX XXXX ( the account they levied on in XXXX XXXX ) will not allow me to close that account as they are saying they have received NO paper work stating they can remove the levy. Meanwhile they handed over the {$2400.00} or so dollars to the court and charged their {$120.00} in legal fees. I have now paid close to {$4000.00} for a debt that was originally {$1300.00} and I am still Being EXTORTED by this company. Their behavior is criminal and their tactics are shady. I want this done. I want a complete release from them and I will not pay them one more penny. As this is unfair and unethical treatment. They are taking advantage because they know where I work and how detrimental a problem like this could potentially be. This is the worst form of legal extortion I have ever encountered. Pressler and Pressler and XXXX XXXX ( another arm of their corrupt marginalization ) should be disbarred. Who ever heard of lawyers collecting debts for THEIR own profit. There should be so legality against this. I want the wage garnisment closed, erased, destroyed, however it is done and this docket closed. The docket number is XXXX. Everyone should know what a fraud this firm is. I am SURE I am not the first nor the last to complain about their unethical practices.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-19
Company: Southwest Recovery Services, Inc.
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I periodically check my credit report and found company, Southwest recovery Services, has applied a debt to my credit file back in XXXX XXXX. I 've called the company on several occasions asking for documentation to no avail. We are almost 11 months into the year and they have yet to certify that the account belongs to be. Neither of the 3 credit reporting agencies were any help. Even when I dispute this information, nothing has been mailed, emailed nor called to confirm this. I 'm out of options and really need assistance as my credit is my life and worked very hard to keep it above XXXX. They are trying to collect amount of {$1000.00}, in which I do not owe.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-07
Company: EQUIFAX, INC.
State: MA
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:
Good Evening! Listen, I was going through my credit today and noticed that there are several un-authorized and un-known companies listed below trying to access my credit report without my written consent. As I was reading through the ftc and cfpb website and understand the fair credit reporting act - It says it clearly that Im protected under FCRA 15 U.S.C. 1681 ( b ), and Section 604, where the permissible purposes are when the consumer provides written permission and when disclosure is required by court order, firm credit offer, employment offer, etc.

I also contacted those companies listed below individually and asked them to take action to get these inquiries removed from their records and to erase any record of the inquiry with all credit reporting agencies. They assured me they would comply with my request and take whatever steps necessary to resolve the issue, but I wanted to contact you as well, just to make sure this gets done. 

Again, I do not recall giving my authorization for this credit pull, please remove them all

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-23
Company: CCS Financial Services, Inc.
State: NC
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: Investigation took more than 30 days

Complaint:
I recently filed a dispute in regards to the incorrect items on my credit report. 30 days has passed & I have not been reached out to about my investigation results.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-14
Company: Experian Information Solutions Inc.
State: GA
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 have tried to have these fraudulent accounts removed in XXXX of 2022 and now there's more accounts and inquiries.

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 2022-01-12
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I have requested that my freeze be removed permanently XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX, XXXX XXXX SS XXXX I have updated my address with the UNITED STATES POSTAL SERVICES as well. Please remove any and all Security freezes at once.

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 2022-01-12
Company: BARCLAYS BANK DELAWARE
State: CA
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: Card was charged for something you did not purchase with the card

Complaint:
On XX/XX/XXXX my card was fraudulently used for a cash advance of XXXX plus a XXXX cash advance fee. I very rarely use this card and did not activate the card after receiving it, so I was shocked that there was a charge. As soon as I realized there was fraudulent activity I called Barclays to let them know, that was XX/XX/XXXX. I received a letter dated XX/XX/XXXX that the fraud investigation has been completed and I am not responsible for the activity. In late XXXX I received an alert that I had a payment coming due. I called Barclays again, several times to try and get this resolved on at least XXXX, XX/XX/XXXX, I've been promised calls back, I got one call back on XX/XX/XXXX and was told that I had to speak to another department and they would call me back within 2 business days. This is the 4th business day without a call. I called again today to learn that someone tried to change the pin on my card on XX/XX/XXXX. At the moment the charge is still on my card, my payment is now past due and the card is accruing interest. I've now been told I have to call another department tomorrow during their business hours. This is very frustrating and concerning!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-20
Company: Medical-Commercial Audit Inc
State: MO
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 don't have any collections with XXXX XXXX.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-04
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act Account XXXX XXXX XXXX  # XXXX, has violated my rights. 

15 U.S.C 1681 section 302 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 2017-10-19
Company: WELLS FARGO & COMPANY
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX XXXX, XXXX : Initially, had pulled a cash advance of {$2500.00} amount from a physical branch location. The next day made the exact payment of {$2500.00} to clear the cash advance after not needing it. 

XXXX XXXX, XXXX : Reached out to Wells Fargo over the phone, was told they would issue a check then I would have to physically go into a branch, make the {$2500.00} payment and tell them I wanted to pay off the cash advance. 

XXXX XXXX, XXXX : I had a banker sit down with me at a branch location after being told that the amount cant be applied directly to the cash advance, it would be split between two separate interest rates ( purchases and cash advance ). The representative on the phone advised me that I should still make the {$2500.00} payment in the branch, in addition I would make a {$7.00} payment and that would clear the cash advance amount. I did everything they had told me to do. 

XXXX XXXX, XXXX : I received my billing statement and the cash advance amount is still on my statement and I have reached out to Wells Fargo once again, to no resolve. A supervisor told me they will reach out to me after I asked her to pull audio recordings of the representative that told me the cash advance would be cleared on my account with the payments made in the branch that day, however when I asked for her direct line she gave me an incorrect direct line phone number when I tried to contact her the next day to follow up and she has not contacted me. Im very disappointed in these banking practices by Wells Fargo they have told me to do all this running around to no avail and Im continuously lied too just to get me to go away and be another respresentatives problem.

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 monetary relief
Consumer complaint received 2017-10-19
Company: EQUIFAX, INC.
State: GA
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 was checking my credit report thru XXXX and noticed I had a collection account for {$26.00}. I called the collection company listed on my report XXXX XXXX XXXX to find out about this {$26.00} that was in collection and was told that XXXX XXXX XXXX XXXX was filing the complaint for XXXX XXXX XXXX XXXX said I owed {$26.00} dollars from a emergency room visit in XXXX. I filed a dispute and called the collection agency XXXX and told them I never received a bill for {$26.00}. from XXXX XXXX. I told them I had XXXX insurances and I never have a balance for medical care. It turned out that they only filed my XXXX and XXXX and didn file XXXX for XXXX which pays whatever is left over from XXXX and XXXX which was the {$26.00}. They took the XXXX billing information and said they would file it. 
I thought everything was taken care of until today when I checked my credit report to see my score had dropped from XXXX to XXXX because of this collection of {$26.00} and another acct. for {$79.00}. XXXX never took this off in spite of my constant calling them. 
I need help in Equifax removing this as it never should have been on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-28
Company: Jonathan Neil & Associates, Inc
State: CA
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
This debt is in regards to my XXXX vehicle insurance and assigned to a collection agency. On XXXX/XXXX/XXXX my vehicle was recovered by the lender because I was no longer in a financial position to pay as I lost my job around XXXX of XXXX and I began to receive unemployment benefits. I called XXXX to cancel my insurance policy and remove me from the recurring payment system but it seems that they failed to do so. I also moved from the home XXXX had on file. My home address was never updated either even though I called a local XXXX office to make them aware of a change of address. Recently I started to receive all the mail that was being returned to XXXX. If they would have updated my address I probably would n't owe the amount the collection agency is attempting to collect. The collection agency is attempting to collect a debt that is not valid. My XXXX XXXX XXXXXXXX XXXX was no longer in my possession, therefore, I did not need coverage. I made XXXX aware of my vehicle being taken away from me and requested to remove this vehicle from my policy. According to XXXX I am being charged all the way to XXXX XXXX XXXX but my vehicle was taken XX/XX/XXXX. I should not have to be responsible for insurance coverage on the XXXX XXXX XXXX. I need assistance resolving this matter with the collection agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-28
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Wells Fargo Bank made unauthorized name change to all of my checking and savings accounts. They changed my last name on all of the accounts to my name prior to my marriage which occurred twenty years ago.

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