BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-04-27
Company: Netspend Corporation
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:
The claim number for dispute with netspend is XXXX This was reported to the police as soon as i was aware of the unauthorized charges o my Transact XXXX prepaid card by Netspend in the month of XX/XX/2020 because of the restrictions i was at home in quarintine at the time of these charges it was mandotory due to covid 19 restrictions my claim was denied any errors because the XXXX XXXX says i used my card which is false i was in XXXX XXXX Ca and no my card booked this room online as the charge says XXXX XXXX XXXX XXXX in XXXX Ca did not have me as a guest and someone stole my card information i filed a idenity theft report for this account with the ftc idenity theft the charge was for over {$600.00} i want my money back on my account i am a victim of fraudulant charges and i should not be charged according to the goverment we were told to not travel thats what i did i stayed in XXXX XXXX Ca i filed a XXXX XXXX police report as well. my netspend account is 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 2019-08-18
Company: ID Analytics, Inc.
State: OH
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 would like to request a security freeze placed on my Consumer Disclosure Report. I chooseto opt-out of your disclosing future information until further notice including the C.L.U.E.Report and other furnished XXXX XXXX, Sage Stream, XXXX  inquires regarding all personalinformation. This security freeze request not only restricts credit bureaus and creditors, butalso future potential employers until I lift this restriction. Under the Fair Report Act, you arerequired to comply. My name is XXXX XXXX XXXX XXXX . My current and only address is XXXX   XXXX  XXXX XXXX XXXX,Ohio XXXX. I have unknown or fraudulent addressesappearing on my credit report and I am requesting that these items be removed andupdated. Please remove any address off my report that doesn't not match the address  above. Please remove any telephone numbers that not XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-13
Company: ENCORE CAPITAL GROUP 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: Account information incorrect

Complaint:
I found a collection debt on my reports from XXXX XXXX XXXX. I contacted to validate debt and informed it was sold/ '' now owned '' by a law office local to me and that they could not talk to me any further about the account. Upon contacting the law office I was informed that their was a judgment ( {$870.00} and higher than what was showing on my reports ) against me and they did validate it. I offered to pay in full right away over the phone and documents/everything in writing was prepared saying debt was settled/paid in full. They also stated that a writ of garnishment was sent to my employer, but that they would immediately send out a termination of garnishment letter to my payroll dept. 
Well, a week later I receive a letter from my payroll stating a garnishment will be talking place with other supporting documents of court judgment and local court house I must contact to file an objection. I immediately contacted the court for an objection and my payroll was faxed all my supporting documents to stop this, only to be garnished less than two weeks after I paid. I was also still showing an open account from XXXX XXXX on my credit reports with a higher balance!? I contacted the law office again and they stated it was up to Midland to report to credit agencies and stop my garnishment, but they had sent all paperwork to them? 
I have also disputed my reports with all three agencies and they state that the account in question has been verified as accurate and just " updated '' it which now re-aged the collections account and total debt owed?! 
I have also contacted Midland through their web portal dispute my account that now shows a {$60.00} balance still owed?! They have not responded! 
This is harming me trying to get new rental/home leases!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-13
Company: ENCORE CAPITAL GROUP INC.
State: WA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
XXXX XXXX XXXX XXXX has called my work now 2 times. I have told them both times I am not allowed personal phone calls and work and it is a fire able offense if it is not an emergency. They called the first time Wednesday XXXX around XXXX, and again today XXXX at XXXX. Both times I have told them the same thing. Please make them stop calling before I am fired.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
While checking my most recent credit report, I noticed credit inquiries that i did not authorize, made by the following companies in Identity Theft.i did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights.

Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. 
Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611.

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 2020-08-31
Company: Paypal Holdings, Inc
State: OH
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
On XXXX I opened a Venmo account. Venmo paid the wrong person for an item I bought. The item was {$40.00} to be paid to XXXX XXXX. Venmo paid XXXX XXXX. I do not know him. I did not type his name in. I did not buy anything from him. I called Venmo. They said they were out due to covid 19. I emailed Venmo explaining the situation and they did not respond. I went to Venmo help site which said I had to request the funds back from XXXX XXXX. He responded by asking for more money. I declined. Venmo failed to provide a safe environment for transactions. Venmo failed to respond to my complaint. Venmo failed to get my money back. I have been trying to get it back through XXXX XXXX XXXX, my bank, for 2 months.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-05-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
On XX/XX/19 I disputed the XXXX account with Transunion. Transunion provided results only saying the account was valid. I reached out to XXXX and requested they provide me with the proper validation of the debt. I also asked Transunion to provide me with the information they used to confirm the debt was valid. 

XXXX did not provide me with validation. Transunion did not provide me with their method of verification. This is a violation of the FCRA. 

Since XXXX can not provide me with proper validation how did Transunion validate the debt. Clearly XXXX did not provide Transunion with validation of the debt.

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 2020-01-21
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NY
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 just recently disputed two portfolio recovery associates, LLC accounts that the same company had contacted me to fill out the information required to prove that these two accounts were and have never been mine. I had also included a letter explaining what has happened within the prior years of these debts occurring. I do not know what Portfolio Recovery Ass. did with my paperwork but XXXX contacted me letting me know once again that these two accounts were VERIFIED ACCURATE. XXXX does not have any phone number available for a person to call and talk to someone about any concerns. They only have automated phone messages.

I just sent copies of the letters I sent to Portfolio Recovery Associates along with my dispute to XXXX to see why once again they continue to leave these accounts on my credit file. The accounts were fraudulent many years ago. I also have requested that they are blocked from my report. I am very tired of disputing accounts that aren't mine regardless of Portfolio Recovery Associates sending me copies of statements from the original company debtor. These statements mean nothing to me when I wasn't the one who created the debt. Actually, they prove nothing but balances owed on accounts. XXXX seems to continue appeasing this collection company by stating that the debts are valid instead of listening to ME! I also was told that if I disagreed with the results of the dispute I could write 100 words about my side of the story on why I disagree with the results. There is nowhere on the site that allows me to do so. I am adamant about getting these false charges off my report and I am not receiving the assistance I need to help me get this done!!! If you look at my disputes from the past, I have continually fought these two debts being false. When is someone going to listen to me?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-14
Company: CITIBANK, N.A.
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Refund anticipation check
Issue: Lost or stolen check

Complaint:
XXXX left my checks on the door step not knowing I'm already going through identity thief and I had someone there to receive the package the delivery guy left it on the door step without knocking on 4th e door at ALL and now someone done cashed my check and they dnt want to give me a refund when I asked from a signature to be signed for IT. I wasit with my fiance for my birthday.

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 2017-09-20
Company: Resurgent Capital Services L.P.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have filed a complaint with the BBB about this company. They responded advising me too end them 1 ) ID Theft Report and a Police Report. I did what they ask. They are still reporting this debt o my credit and its negatively affecting my scores. I need you all to contact them to find out why this has n't been removed

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-06
Company: URS Holding, LLC
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I contacted XXXX XXXX, via Vertified USPS ( XXXX ), on XX/XX/XXXX, to dispute an alleged account and the balance, and ask I only be contacted, via USPS Mail, and XXXX XXXX, cease communications. XXXX XXXX, received my request, XXXX, XXXX, XXXX. 

Then on XXXX, XXXX, XXXX, I was contacted by a XXXX XXXX, with Alltran, in regard to the above referenced account, who left a voicemail message on my telephone, in spite of requesting this debt be validated within thirty-days, and XXXX XXXX, cease and desist communications regarding this alleged account. 

I never received any mailings in regard to my dispute within thirty-days of my request. 

Please see the attached documents ( validation letter ), receipts, and voicemail recording from XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 

XXXX XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX : # : XXXX XXXX XXXX. XXXXXXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX have violated my rights. 

15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A. Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

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. Any 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 non-monetary relief
Consumer complaint received 2019-07-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I Did Not Authorize This Account I've Been a Victim of Identify Theft

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 2018-04-03
Company: ALLY FINANCIAL INC.
State: NC
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
Ally was overly paid funds that exceeded the total asking price of {$24000.00}. I was involved in a car accident on XX/XX/XXXX. I was rear-ended by another vehicle which subsequently totaled my vehicle, XXXX XXXX XXXX, that was financed through Ally Financial which defrauded myself, the customer, by over charging excessive billing amount that were never agreed upon nor negotiated at time of contract. The XXXX dealership in XXXX took XXXX down payment from my trade in vehicle which automatically would be subtracted from the total agreed upon negotiated price of {$24000.00} leaving a balance of {$20000.00}. XXXX XXXX XXXX was the at fault insured driver insurance, which paid {$12000.00} to Ally Financial directly, leaving a balance of {$7500.00}. I also had GAP Insurance which covers any unpaid balance associated with the vehicle liability loss, which paid {$6400.00} to Ally Financial directly, leaving a balance of {$1000.00}. Also a service contract was paid t o Ally Financial for {$140.00} leaving a balance of {$940.00} I was told by Ally Financial representative that I paid a total of {$5600.00} from XX/XX/XXXX through XX/XX/XXXX/but only {$2600.00} will be applied towards the principal balance, resulting in an overpayment of $ XXXX/ {$1700.00}. I've reached out to Ally Financial on numerous occasions to rectify this matter and they have not resolved this issue at all. Instead Ally referred me back to XXXX and requested that I pay Ally Financial an additional amount of {$2900.00} to resolve the amount of the debt.

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 2018-07-14
Company: Navient Solutions, LLC.
State: AL
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
I have been harassed and robo called by Navient all times of day and night even though they said they were taking me off the call list and a live person would call me. They will call one number, hang up and call the next number multiple times. One man even was rude to me and my co-signer when asked about the calls and his bf up on me and her.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-23
Company: WELLS FARGO & COMPANY
State: MO
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
3rd time reporting cause wells fargo says they reported the 3 months covid payment relief properly to the credit bureus. When this process started they lied to me. I was told this would not effect my credit in a negative way and it is. They havent reported a payment since XXXX of 2020. I missed XXXX XXXX and XXXX for the covid relief and rolled to the back of my loan. I paid ontime XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX and XXXX and never was late on a payment before that. They keep telling me im.under credit suppression but they simply arnt reporting. According to XXXX they can report XXXX XXXX and XXXX as forberance but they should report the rest as current as once the modification was done my loan woould be 100 % current. Its been done since XXXX. Im done with the back and forth with wells fargo telling me they are in he right as they are not. Ive lost a refi do to this so now im going to file complaint after complaint until my loan shows the right information on my credit report or wells fargo pays me damages for refi i lost and the inaccuracy to my report. Im done being XXXX  over by huge businesses. They helped NO ONE with this relief XXXX all they did was cause a headache. Loan account # 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 2018-04-03
Company: JPMORGAN CHASE & CO.
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I signed up for the Chase XXXX XXXX XXXX Credit Card in XX/XX/XXXX. One of the main marketing points for this card was the free anniversary night that would be rewarded on the one year anniversary of having the card. This free night was advertised that it would be good at any XXXX XXXX worldwide. 

Per their website : After your account anniversary date, youll receive an Anniversary Free Night at any of the over XXXX XXXX XXXX worldwide.1 Footnote There are no blackout dates and no restrictions. Look for your free night on your XXXX XXXX XXXX account. '' However, on XX/XX/XXXX I received a letter from Chase that the free anniversary night would be limited to properties under XXXX XXXX reward points starting XX/XX/XXXX. This has effectively removed over 300 properties from the program and made more hotel suspect to elimination from the program as XXXX has devalued their points/ increase rates at their hotels twice in the last year. 

I feel that Chase and XXXX have been fraudulent in their marketing practices to drive new signs ups for this card. They advertised an unrestricted free night after the first year and are now not delivering promised benefits to card holders that have signed up in the last year. I feel like they should be held accountable for this bait and switch tacit that has surely driven thousands of people to sign up for this card.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-27
Company: Experian Information Solutions Inc.
State: IL
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:
Experian and XXXX are continuing to report a collection item the collection agency has discontinued reporting to them. See included documentation ...

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-28
Company: WELLS FARGO & COMPANY
State: MD
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
XXXX Requested Removal Authorized User-early or mid XX/XX/2021 Contact made with Fraudulent Representative at XXXX credit services. 

Unnecessary to have name on account ; no access to account. 

Suspect credit card Fraud. 

Please advise

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