BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-06-15
Company: Netspend Corporation
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
On XX/XX/2021 approximately XXXX XXXX to noon I contact NetSpend about a purchase that was on my card just to verify if it was just by chance that I gave authorization through the representative XXXX like what I said and posted my card as an unauthorized action and block my car at 5 to being on the phone with a representative and stop me from getting my front which I'm on vacation and XXXX Florida to go to XXXX and now I was told because you blocked my card after she apologized that she didn't mean to do it that there was nothing she can do to unblock my card and she apologized for me for the inconvenience XXXX XXXX me and emotional distress and in distress and anguish that I have to sleep in my car with no food and no buddy I've been calling NetSpend for XXXX XXXX. in the afternoon until XXXXXXXX XXXX. that diets and that I have not gotten any resolution but left with no money sleeping and my car in the parking lot of XXXX which destroyed my whole vacation after me losing my mom 's which I just wanted to go find some peace and clear my head for the tragic loss that I lost and the only thing I got for NetSpend life that they apologize for the inconvenience e and they protected the representative got made that mistake and they never fix the situation which left me and emotional distress and I am and the process of filing a lawsuit for mental distress and anguish

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 2018-11-02
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
SINCE XX/XX/XXXX I HAVE SERVED XXXX XXXX MILITARY STATUS WITHOUT INTERRUPTION AND HAVE BEEN PROTECTED UNDER THE SCRA THAT ALLOWS SERVICE MEMBERS TO HAVE FEDERAL STUDENT LOANS DEFFERED. IN XXXX OF XXXX XXXX DENIED MY DEFFERMENT THAT THEY THEMSELVES NOTIFIED ME WOULD BE EFFECTIVE UNTIL XX/XX/XXXX. REGARDLESS, THE SCRA STIPULATED MY PROTECTION AND RIGHT TO DEFEREMENT AND XXXX AGREED AND THEY ARE BREACHING THIS RIGHT. MY LEGAL REPRESENTATIVE AT THE OFFICE OF THE STAFF JUDGE ADVOCATE AT XXXX XXXX AGREES THAT I AM ELIGIBLE FOR MILITARY DEFEREMENT, SEE BODY OF EMAIL TO XXXX BELOW -- -> Dear XXXX XXXX , There is currently a war in XXXX and has been since XX/XX/XXXX. XXXX XXXX has been on XXXX XXXX since XXXX XXXX, XXXX. I have attached a copy of his SCRA report. I previously submitted copies of his orders. 

The applicable regulation does not require that XXXX XXXX be XXXX, just that he be serving during a war. 

34 CFR 674.34, at paragraph ( h ) states : ( 1 ) The borrower need not pay principal, and interest does not accrue, on a Federal Perkins Loan, an NDSL, or a Defense Loan, for any period during which the borrower is -- ( i ) Serving on XXXX XXXX during a war or other military operation or national emergency ... 

Please let me know if you have any questions or need further information. Please note : I am out of the office XX/XX/XXXX - XXXX. 

Best Regards, XXXX XXXX, XXXX. 
Office of the Staff Judge Advocate Chief, Client Services Division XXXX XXXX, AZ Ph. ( XXXX ) XXXX XXXX THE RESULTING DELENQUENCY HAS DAMAGED MY CREDIT REPORT WITHOUT CAUSE

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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  XXXX XXXX Dept of ED/XXXX  XXXX, XXXXXXXX XXXX XXXX XXXXXXXX, U.S. DEPT OF ED - XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX rights. 

15 U.S.C 1681 section 602 A. States I have the right of 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 non-monetary relief
Consumer complaint received 2019-07-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
All in all, my bank credit services from The Bank of America ( BoA ) have been less than satisfactory. It would be beneficial if inclined service fees were voided and interest was off set with monthly payments. I wasn't even extended a grace period during my time of unemployment even though I reported it to their organization. Although my scheduled payments aren't much, they are barely making a difference in my credit balance. My credit score has improved a little but I don't see traditional progress with the effort that I am extending. My statements for this year ( 2019 ) don't begin until this month although I have made payments of about {$100.00} XXXX in the months of XXXX and XXXX. My most recent payment of {$160.00} XXXX barely made an impact because of service fees and fluctuating interest variables. BoA threatened to terminate my account services if I didn't take action. If their financial specialists could consider more debt forgiveness that would be amazing, have a nice day.

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 2018-11-02
Company: CITIBANK, N.A.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I called Citibank to notify them my husband has passed away, I would apply for a card in my name, approximate date XX/XX/2018. I was assured a final statement would be mailed to the home, same address for 27 years. I advised them the card was set up as " paperless statements '' with auto pay account in full each month. By XX/XX/2018 no correspondence or attempt to reach me by telephone to let me know the account was past due and sent to collections. My checking account indicates the amount to be debited on XX/XX/XXXX was not drawn by Citibank, therefore the card is delinquent. I have talked to a total of 7 customer service representatives, I have been disconnected, not provided with thorough accurate instructions on how to settle this account. I want late fees, interest and charges against my credit rating rescinded and I want to pay outstanding amount due. The resulting interaction with Citibank has consumed a minimum of two hours of my time with no result other than failed attempts at a resolution. Without a final statement how can I not prove there are unauthorized charges on the 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 2023-06-29
Company: EQUIFAX, 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:
My name is XXXX XXXX XXXX, and I am sending this request in response to a letter I received from Equifax Credit Bureau that they wont process my request to dispute inaccurate information in my credit file because they believe It didnt come directly from me or are claiming that Im working with a third party or credit clinic. Lets get the record straight!!! Im the one whos disputing this information. The information Im disputing is INCORRECT & I NEED THESE MATTERS HANDLED IMMEDIATELY. I do not recognize the information listed below and I request that EQUIFAX Credit Bureau must investigate and delete these fraudulent Items. 
XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Owed : {$0.00} ; XXXX  XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed XXXX {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX  XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-02
Company: Modlin Slinsky, P.A.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX XXXX, thank you for your response and the documents you provided dated XX/XX/2023 but it was not what I had requested and DEMANDED. I reject respond and the documents from Modlin Slinsky P.A and XXXX XXXX. MODLIN SLINSKY , P.A . was advised of Notice of Demand for payment dated XX/XX/2023 and XX/XX/2023 within 15 and 10 days requirements. Modlin Slinsky, P.A did not resolve my complaint with XXXX XXXX XXXX ( XXXX ) or settle payment by sending the requirements requested. " Please take notice that demand is hereby made that Modin Slinsky, P.A immediately pay {$25000.00} in check for settlement. '' As, this request has not been honoured. XXXX XXXX made several attempts, Modlin Slinsky P.A and XXXX XXXX refusal to resolve this matter. 
I do hereby give formal Final Warning Notice to MODLIN SLINSKY, P.A and XXXX XXXX of Default, Estoppel and as this is a final notice, as my request has not been honoured. Informing MODLIN SLINSKY, P.A and XXXX XXXX of their failure to properly respond and having acquiesced to the stipulated offer and conditions as they operate in favor of the undersigned. 


MODLIN SLINSKY, P.A and XXXX XXXX are now in default and this is a final OPPORTUNITY TO CURE, FINAL WARNING NOTICE OF DEFAULT AND DEMAND FOR PAYMENT, PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES. This is NOT a request for COUNTERFEIT COPIES OF FRAUDULENT STATEMENTS and agreements from another XXXX XXXX and is not to be treated as one! ALL COPIES ARE COUNTERFEIT AND FRAUDULENT AND CAN NOT BE USE IN COURT! 

Please be advised that this is my FINAL WARNING that I fully intend to file a lawsuit, bar and Attorney General complaint. Please accept this FINAL written OFFER OF SETTLEMENT/RESOLUTION BEFORE FILING LAWSUIT COMPLAINT LITIGATION against XXXX XXXX and MODLIN SLINSKY , P.A as my attempt to amicably resolve your continued mail fraud, deliberate concealment of material information, defamation of character, aggravated identity theft, GROSS MISREPRESENTATION, Racketeer, extortion, theft by deception, False and misleading representations, and multiple violations of state and Federal, refusal to resolve this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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: Problem getting your free annual credit report

Complaint:
I had requested my free annual credit report to be sent to me back in XXXX or XX/XX/XXXX. It was not sent to me. Please send annual credit report to me ASAP. My name : XXXX XXXX. SSN XXXX DOB : XX/XX/XXXX. See attached ID with my address.

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 2023-10-04
Company: PENNYMAC LOAN SERVICES, LLC.
State: WI
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process
Sub-issue: Payment process

Complaint:
For the last two months, Pennymac 's loan office in XXXX XXXXXXXX XXXX has failed to process my loan repayments in a timely fashion causing my payments to be late for which I was penalized for! 

The first occurrence happened in XXXX of this year. I mailed my payment on XXXX for XXXX 's monthly repayment of my home loan. ( XXXX XXXX : XXXX ) When my check had not cleared my bank as of the XXXX of XX/XX/2023, I contacted PennyMac 's customers service department to find out what was going on! PennyMac customer service informed me that they were having problems with this office processing checks and suggested I submit my future payments electronically in the future to avoid this problem. I told them I did not wish to repay my loan in this manner! And they told me that my only other option was to resubmit my check for my missed payment! Again, I stated I did not miss my payment they misplaced it! But I told them I would resubmit my payment which I did on the XXXX of XXXX. I also cancelled my previous check numbered XXXX. 

After reissuing my check for two payments to cover both XXXX and XXXX 's payments and cancelling the previous check with a stop payment. I was then informed by my bank that PennyMac attempted to cash my check after it had been cancelled! 

In XXXX to avoid any further problems, I sent my XXXX payment on XXXX. To date, they have not processed my check and I have once again I have been charged a late fee for my payment! 

I again contacted PennyMac to find out what is going on with the XXXX XXXX 's office and why my payments were not being processed in a timely manner. I was again told they were working through some problems with that office for processing payments. But I was still liable for any late fees occurred on my account! They again suggested to me to submit my payment electronically to avoid these problem 's! At this time, I requested a new address to submit my repayments to and they provided me an address in CA to mail my payments to! They only problem is that this company refuses to retract these late fees which are caused by their company and by their own actions they are affecting my credit rating in a negative manner! 

For this reason, I have contacted your office for possible resolution to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-06
Company: Lowcountry Credit Inc.
State: SC
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
I financed a car through XXXX XXXX in XX/XX/XXXX. After missing two payments, my car was illegally repossessed by the company. I never received a delinquency letter, or a right to cure prior to the repossession. After the car was taken, I contacted the company and was told that I had to make up the delinquency immediately to regain possession of the vehicle. I was not allowed t to retrieve my personal items from the vehicle, nor was I given anything in writing, detailing the amount I owed. I received a letter a few months later stating the car had been sold at auction. I was never informed of any remaining debt owed on the loan. There were never any attempts of collection. I contacted the company twice asking for validation of debt but no calls were ever returned. 
In XX/XX/XXXX, I received a XXXX from the company, demanding that I declare the uncollected debt from sale of repossession, on my tax return. I have never received any information stating that I owe this debt. XXXX XXXX has had 5 years, under South Carolina 's Statute of Limitations, to pursue this debt, either through the court systems, or by legal means of debt collections. I have never been given the opportunity to validate the original debt, nor have I been given the opportunity to settle the debt under FDCPA laws. It 's not fair that I should have to add " income '' that has never been validated, to my taxes.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-02
Company: PENNYMAC LOAN SERVICES, LLC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
On or about XX/XX/2023 I requested documentation to establish a clear legal or equitable right to make a claim on account they are reporting on my consumer report and requesting claim for acct XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX, PennyMac Holdings XXXX XXXX This isn't the first or 2nd time, that the request for these documents from these corporations and they keeps reporting improper on my consumer report

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-09
Company: Walwick, Inc
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
Governed by XXXX ( a ) sets forth the required contents of a typical collection, or dunning, letter : ( a ) Notice of debt ; contents ( 1 ) The amount of the debt ; MCA indicates this is multiple accounts and list XXXX. ( 2 ) The name of the creditor to whom the debt is owed ; NOT PROVIDED ( 3 ) A statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; NOT PROVIDED ( 5 ) A statement that, upon the consumer 's written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor. NOT PROVIDED And leads me to believe it also violates the following - XXXX : " A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. '' XXXX ( XXXX ) ( A ) : A debt collector may not falsely represent " the character, amount, or legal status of any debt '' XXXX ( XXXX ) : A debt collector may not use " any false representation or deceptive means to collect or attempt to collect any debt or to obtain information concerning a consumer. '' XXXX XXXX. XXXX specifically provides that a debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt, including, without limitation, collecting " any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law. ''

Company response to consumer: Untimely response
Consumer complaint received 2019-08-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 had XXXX accounts since XX/XX/1981 but TransUnion recently changed my credit report to show a much shorter (and inaccurate) length of credit for me: 6 years.  I submitted the evidence to TransUnion using their dispute process, but all they did is delete one of my XXXX  accounts - which is also wrong.  I wasn't questioning the existence of one of my XXXX accounts; I was questioning the fact that they had previously deleted accounts with XXXX  that proved I have had accounts there since XX/XX/1981.  When they changed my oldest account from my XX/XX/1981 XXXX to a much more recent account, my credit score dropped by 70 points!

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 2023-08-11
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have filed numerous disputes concerning these accounts, which do not belong to me, yet they continue to appear on my credit report. Additionally, I've submitted several FTC Reports regarding these erroneous accounts. Surprisingly, these companies have chosen to ignore their legal obligation to investigate the disputes, refusing to take appropriate action. 

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 2022-04-29
Company: Chime Financial Inc
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
It was through chime banking. 
XXXX payments to $ XXXX XXXX XXXX XX/XX/XXXX, XXXX pm for {$400.00} Second payment XX/XX/XXXX, XXXX am for {$200.00} Third payment XXXX XXXX for {$50.00} Fourth payment XX/XX/XXXX, XXXX pm for {$50.00} My chime tag is $ XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-29
Company: EQUIFAX, 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: Personal information incorrect

Complaint:
My address isn't correct on all three credit reports. I tried to inform them that they still have old address that should be removed. Plus! they still have my old employer information that shouldn't be on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-10
Company: AMERICAN EXPRESS COMPANY
State: NJ
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:
Amex reported late payments on XXXX credit report which were inaccurate in XX/XX/2022 and XX/XX/2022. Spoke with Amex rep and was told that payments would be removed once account was up to date. This never happened and payments were continuously reported late which cause credit score to plummet. 

According to the Fair Credit Reporting Act 15 USC 1681 sec 602, 604 I never gave Amex permission to report this account on my credit report. The late payments were suppose to be removed, and my right to privacy has been violated. Please remove all late payments immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-11
Company: EQUIFAX, INC.
State: TN
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 want to start off by saying that I'm not admitting to this debt. I would like to do business with your company if you agree to the following terms. ( 1 ). Remove the debt above from all three credit bureaus within 10days of payment. ( 2 ). Send me a letter stating that the account above will be deleted. ( 3 ). Stop all debt collection activities. If you agree to the above terms, I will pay your company the full balance of this debt as soon as I receive this signed copy back from an authorized representative with the power to make this deal. Failure to delete : I just want to ascertain that you honor your side of the agreement. If the item is not deleted as specified in this agreement, I will be entitled to {$500.00} compensation for breach of contract

Company response to consumer: Closed with explanation