BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-12-24
Company: Netspend Corporation
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Advertising
Sub-issue: Confusing or misleading advertising about the card

Complaint:
Netspend is being used as a gift card but it is really ( on the fine print ) a debit card at XXXX for which you are now an account holder and they require your social security number to active a prepaid card given as a gift. This is not a gift card. It is predatory prepaid debit card that I received for the holidays and can not use in any way unless I provide a social security number as though I am opening a bank account with a bank I have never heard of. When calling customer service they redirect to a perpetual holding queue and never acknowledge the customer issue of wanting to use the funds given as gift card. They are illegally collecting personal protected information and selling it to the highest bidder. The person who bought this as a gift card had no idea that each transaction is charged with a fee which should not fall into the category of gift card use or any prepaid card use. I want action to be taken against them as they are conducting fraud and taking people 's money and personal information without permission.

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 2022-04-07
Company: Experian Information Solutions Inc.
State: NJ
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 am a victim of identiry thef. The following information on my report that needs to be deleted. Please delete these as soon as you can. 

XXXX CARD ( XXXX ) - XX/XX/XXXX XXXX XXXX ( XXXX ) XX/XX/XXXX XXXX XXXX ( XXXX ) XX/XX/XXXX XXXX XXXX ( XXXX ) XX/XX/XXXX XXXX XXXX ( XXXX ) XX/XX/XXXX XXXX XXXX ( XXXX ) XX/XX/XXXX XXXX XXXX ( XXXX ) XX/XX/XXXX XXXX XXXX ( XXXX ) XX/XX/XXXX XXXX XXXX ( XXXX ) XX/XX/XXXX XXXX ( XXXX ) - XX/XX/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 2019-03-16
Company: Revenue Assistance Corporation dba Revenue Group
State: OH
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
On XX/XX/XXXX I received a robo-call from Revenue Group of XXXX Ohio. As I have no accounts in collections and an excellent credit score, I returned the call to inquire what it was in regards to and ensure no liability. I reached a man on the phone, I'm unsure if he told me his name, and he recited the standard 'attempt to collect a debt ' speech. After verifying my information ( I've since remarried but didn't give him my new name, I did provide him an updated address for mailing purposes ), he informed me the debt was for XXXX XXXX from XXXX for {$120.00}. I informed him that 10 years have passed on the debt, if I even owed it but I certainly can't remember a medical bill from that long ago, but regardless it wasn't collectable.

He INSISTED that medical debt in Ohio was collectable for 25 years and that I would be sued over this debt, which I know not to be true. 

I requested debt validation to show me a copy of an original contract or some other information proving that I owe a debt, and that all future contact should be via mail only, at which point he hung up on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-27
Company: EQUIFAX, INC.
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
I am writing to express my dissatisfaction with XXXX XXXX XXXX XXXX handling of my car loan. I had a car loan with your institution, and unfortunately, the car was sold, leaving a remaining balance of {$2200.00} and a repossession on my credit. 

I had an extra gap insurance policy with XXXX XXXX XXXX XXXX to cover any extra expenses in case of car damages or repossessions up to no more than 150 % loan remaining balance. However, despite having this insurance policy, I was still left with a significant balance and repossession on my credit. 

Furthermore, I have discovered that changes were made to my account without my authorization. I have reason to believe that these changes were made through a document that was illegally obtained while I was incarcerated. This document does not have my signature or annulment with XXXX XXXX credit union, yet the changes were still allowed to go through. 

I have disputed this matter in a couple different ways. The situation has caused significant damage to my business funding, my living situation, my future moving situation and the funding of my daily living expenses and use of my credit line. It has been a major setback for me, and I am extremely disappointed with the way that XXXX XXXX XXXX XXXX has handled this matter. 

I have attached the relevant documents to this letter to support my claim. I believe that XXXX XXXX XXXX XXXX should have taken more care to ensure that changes to my account were made with my authorization. 

I will like to XXXX XXXX XXXX XXXX XXXX review my case and refund the remaining balance on my credit as well as take the repossession off my credit. I also request that you investigate and unauthorized changes made to my account and take appropriate actions to prevent this from happening to other customers. 

I trust that you will take the necessary steps to resolve this matter in a timely and satisfactory Manner. 

Thank you for your attention to this matter. 

Sincerely : XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-24
Company: VANDERBILT MORTGAGE & FINANCE, INC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
The first of this year, Vanderbilt raised my payments due to a claim, a tree fell on my home. I am a senior on a fixed income, and they know this. So I could not afford to make the payments. So now that I am behind on the payments, they want to lower the payments where I can make them, but they want the money I am behind, again I can not afford this. Why didn't they do this to start with, good show, I guess they want my home.

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 2019-03-27
Company: Dyck-O'Neal, Inc.
State: FL
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 lodged disputes with DYCK O'Neal with the belief it has reported negative items to my credit report not in compliance with Consumer Protection Law. Specifically, the FCRA and the FDCPA. I most recently requested them to investigate beginning in XX/XX/XXXX and XXXX XXXX have also asked for assistance from each of the credit bureaus to resolve this issue beginning in XX/XX/XXXX. I followed up with additional disputes XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-12
Company: Experian Information Solutions Inc.
State: MA
Product: Credit reporting 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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

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 2023-07-08
Company: WELLS FARGO & COMPANY
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
It all started in XX/XX/2023 where I had fraudulent activity on my account from Arkansas that got resolved and I received my funds back from the bank. However, I was waiting for my new card. And I noticed that it had been a little too long of a time and I called my bank and I said I had some questioning phone calls from Wells Fargo and it turned out that it wasnt Wells Fargo and they had gotten into my account on XX/XX/XXXX they took out {$2000.00} and then on XX/XX/XXXX they took out {$1900.00} From the bank is not returning my money even though those were from an ATM in Florida and I am located in Georgia and I they are claiming that I either knew the person or I gave somebody my ATM card however, I did not have an ATM card because I was trying to get my new one in the mail Now Ive re-opened up my claim and I filed a police report and I am not happy that its taking this long to try and get money back from something that I did not cause

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 2023-02-17
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:
I went to Wells Fargo and I deposited a check for XXXX dollars. Wells Fargo now is saying that they can't release the funds.I know the funds are available.I believe they are keeping my funds from me illegally.

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 2022-10-09
Company: TMX Finance LLC
State: AL
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Charged fees or interest you didn't expect

Complaint:
I have a title loan with title max. After reviewing my state pawn contract, I noticed the principal amount was incorrect. I'm paying {$250.00} monthly interest. According to the pawn ticket, the principal amount is {$1700.00}. This is incorrect. I borrowed right at {$1000.00} TOTAL.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-26
Company: JPMORGAN CHASE & CO.
State: MN
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
My mom XXXX XXXX XXXX XXXX regularly sends money from her XXXX XXXX XXXX account to my Chase bank, {$6500.00} per transaction, to help fund my tuition. She sends it to the exact same account every time. It went smoothly for a year and half, and the final successful transfer was XX/XX/2023 ( can be seen from my Chase account ). She sent another one on XX/XX/2023, but it was never received. My mom contacted XXXX, and after a lengthy investigation process, XXXX got in touch with XXXX ( the intermediary ) and Chase. It turns out that CHASE for whatever reason, flagged an error on the transfer and CHASE proactively CHANGED the account number of the transfer. It was originally supposed to go to " XXXX '' ( my account ), and CHASE proactively changed it to " XXXX '', and deposited the funds into this WRONG person 's account. I went into a Chase branch in person and had the banker look into this. Banker found out that Chase did in fact deposit the money into XXXX, which is the WRONG person 's account. Banker tried calling various departments ( including Wire department and Claims department ) to correct CHASE 's mistake, and they all gave various reasons to why they can not give me my money even though they can see that I have been receiving funds from XXXX XXXX for a year and half, and this one transfer went to the wrong person. XXXXne of the reasons that Chase gave was that my account ( XXXX ) is now restricted to close, so they can not transfer the money into this account. I had ChasXXXX restrict my XXXX account and open me a new one about a week ago because my account information was compromised to a potential scammer. The new account ends in XXXX. Regardless, Chase made the error of proactively depositing my mom 's hard earned money into the wrong person 's account. I should be protected and get my money back. 

To summarize - my mom tried to transfer money from her bank account to my Chase account, using all the correct info and account numbers. Chase made a mistake, Chase proactively changed the recipient account number and deposited it into the wrong person 's account. Now that person has my {$6500.00}, and Chase is refusing to correct their mistake. I am struggling to make ends meet because of Chase 's mistake, and I am down {$6500.00}.

Please let me know if I can provide any more information to help aid this investigation. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-01
Company: JPMORGAN CHASE & CO.
State: DC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I, XXXX XXXX, NATURAL PERSON AND FEDERALLY PROTECTED CONSUMER, applied for a credit CARD with JP MORGAN CHASE BANK. They denied me XXXX XX/XX/2021. This seems like unfair and deceptive practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On XX/XX/2021, {$15000.00} was stolen from me by fraudulent methods through the Bank of America in XXXX XXXX. I wired funds to that bank as payment for a car that was to be delivered to me in Virginia. No car was ever delivered and the parties I was working with to complete the transaction no longer exist. I am attaching my original complaint form that I submitted to the XXXX XXXX XXXX XXXX  ( XXXX ) in XX/XX/2021 that has all the details of this event.

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 2022-11-26
Company: EQUIFAX, INC.
State: PA
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 am a natural person, I am a living human being, I have rights under 15 USC 1681. 

Equifax is govern by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts listed below be remove because According to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts. 

Accounts : XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXXXXXX XXXX  XXXX # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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, the most fraudulent credit reporting agency on the planet, Transunion, and XXXX are reporting fraudulent hard inquiries on my credit report. They are claiming that these companies received my authorization to check ( inquiries ) my credit. The attached are reports from XXXX XXXX. I have placed a check mark beside the companies that did not have my authorization to check my credit. 

I have not requested services from these companies. There are also check marks beside companies that have placed fraudulent debt on my credit report. XXXX XXXX XXXX XXXX has placed a fraudulent debt on my credit report. XXXX XXXX has placed a fraudulent debt on my credit report. PAY ATTENTION TO THE CHECK MARKS. 

My name is XXXX XXXX XXXX. My name is being inaccurately reported by XXXX. They are also reporting fraudulent addresses. The fraudulent addresses being reported are : XXXX XXXX XXXX XXXX XXXX, OR XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OR XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX I am frustrated by the constant barrage of fraudulent information credit reporting agencies are allowed to put on my credit report. They are checking my credit at their discretion. This is ILLEGAL!!! I have not authorized these inquiries. They should not be allowed to place fraudulent information on my credit report without my consent. Companies are taking advantage of the white privilege they have with consumers credit report. Their actions should be illegal.

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 2023-05-23
Company: EQUIFAX, INC.
State: NV
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:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The account I'm challenging has nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the listed account. 
XXXX XXXX XXXX : {$890.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-27
Company: EQUIFAX, 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 belongs to someone else

Complaint:
Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS is required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Capital One credit card number XXXX on XXXX, XXXX and XXXX I made three separates online payments of {$3000.00} each using my business ' bank account XXXX XXXX XXXX XXXX XXXX Capital One chose to credit only two payment XXXX and XXXX XX/XX/XXXX, avoiding credited the payment made on XX/XX/XXXX I have addressed this issue directly to Capital One in several occasions and they continue the abuse. I have filed two complaints with CFPB and Capital One have made fun of it. 
Capital One answer is that XX/XX/XXXX and XX/XX/XXXX, credit was made for the payment and choose to ignore the payment dated XX/XX/XXXX. 
Since then, I have made interest payment, as my {$3000.00} was not credited. 
I am attaching as evidence a copy of Electronic Fund Transfer Report from XX/XX/XXXX, to XX/XX/XXXX from XXXX XXXXXXXX XXXX 
I am requesting CFPB to open an investigation and sanction Capital One for abuse of client. 
I am requesting that Capital One credit my account with the {$3000.00} payment that I made on XX/XX/XXXX and reimbursement me for the interest payment they made doing the client abuse.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-24
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
My Chapter XXXX Bankruptcy was discharged XX/XX/2020. I discovered on Equifax, credit reporting agency, my account with XXXX XXXX XXXX was noted as a " Charge Off '', and not as, " Discharged by Bankruptcy '', as all of my creditors from my Bankruptcy have noted. I've attempted to dispute the Charge off, without help from Equifax. Equifax has been given my Bankruptcy discharge by the Bankruptcy court, as it has to all three reporting agencies, again has refused to correct the charge off, to Discharged by Bankruptcy. XXXX XXXX XXXX also refuses to correct this inaccurate information. My account was closed with XXXX XXXX XXXX  @ XX/XX/2020 as 'Charge Off ', two months after my Bankruptcy discharge date of XX/XX/2020. XXXX XXXX XXXX has harassed my with emails, phone calls and mail, well after my bankruptcy discharge date.Triad and all other creditors declined to attend the creditors hearing scheduled XX/XX/2020. Reported to my attorney, harassment has ceased, finally. I understood the negative impact of filing bankruptcy, but Equifax & XXXX XXXX XXXX refusing to correct the inaccurate information is being done with Malicious Intent to cause my credit rating even more harm. After my third dispute with Equifax, they lowered my credit rating from XXXX to XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-24
Company: CREDIT ACCEPTANCE CORPORATION
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Pursuant to Federal Law 15 USC 1692 G, CREDIT ACCEPTANCE has failed to present the name and address of the original creditor after written notification.

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