BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-12-23
Company: Netspend Corporation
State: NV
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Unexpected or other fees

Complaint:
I received a Netspend prepaid debit card as a gift in approximately XX/XX/XXXX. The card was not activated or used by me until XX/XX/XXXX. When I tried to activate it online, it told me to call Netspend because the card was expired. I called Netspend on XX/XX/XXXX and was told that the card balance, which was originally {$50.00}, had been reduced to {$8.00} due to a $ XXXX/month " inactivity fee '' which was charged for the last 7 months. 

This fee strikes me as an unfair/deceptive/abusive act or practice because it was not clear that the inactivity fee would start being charged from the time the card was purchased and given to me. Instead, any sort of inactivity fee should only apply after the end user ( myself ) has received and activated the card, at which time I would have been fully informed of the applicable fees. 

I am seeking a full refund of the {$41.00} as well as asking that the appropriate regulatory body investigate these deceptive acts and practices that Netspend is engaged in.

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 2021-12-06
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: Personal information incorrect

Complaint:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified information listed below still remains on my credit report in violation of Federal Law. The TransUnion Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified personal pieces of information. PLEASE REMOVE THE FOLLOWING INCORRECT PERSONAL PIECES OF INFORMATION COMPLETELY FROM MY CREDIT REPORT. 
Wrong Name : XXXX, XXXX, XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-21
Company: Capio Partners, LLC
State: NV
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
On XX/XX/XXXX, I sent 2 certified letters to Capio Partners asking them for debt validation of the two accounts as I never received any bills prior to both debts hitting my credit report, one is in the sum of {$990.00} and the other is in the sum of {$590.00}. I received a letter back on XX/XX/XXXX stating they had attached verification of the debt they obtained for the medical service provider. 

The documentation provided included 7 full pages, detailing all of the treatment/procedures done as well as the cost associated with the procedures and treatments given at the hospital. ( XXXX XXXX XXXX XXXX XXXX XXXX ) They have violated the regulations of the HIPAA Act of XXXX. 

I never signed a HIPAA form authorizing Capio Partners to have access to my patient information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Someone is using my name, social security number, and date of birth to apply for credit cards.I do not know why anyone would do this, but I have contacted the police to file a police report and I have also placed a fraud alert on my credit report. I have never applied for credit with the banks - I have listed the inquiries. 

Transunion XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX 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 explanation
Consumer complaint received 2018-01-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
A few months ago I discovered that Kohl's/Capital One was reporting an account in error on my credit report. I disputed the account with all three credit bureaus, but it came back " verified '' on all three. On XXXX XXXX, 2017 I sent the attached detailed letter to Kohl's/Capital One, but they never responded and are still reporting the erroneous information. I have read where many other consumers have had the same exact problem with Kohl's/Capital One.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-06
Company: DISCOVER BANK
State: NM
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
XX/XX/2021 A CHECK FOR {$42.00} WAS PAID BY THE BANK. THE INFORMATION ON THE CHECK WAS CLEARLY COPIED AND PASTED INTO THE CHECK AS WELL AS THE SIGNATURE, I CALLED THE BANK TO ADDRESS THIS FRAUDULANT TRANSACTION AND A FREEZE WAS IMMEDIATELY PLACED ON MY ACCOUNT, DENYING ME ACCESS TO MY FUNDS UNTIL " PENDING DEBIT CHARGES HAD BEEN POSTED, '' AT WHICH TIME THE BANK WILL CHANGE MY ACCOUNT NUMBER. I WAS INSTRUCTED TO MONITOR MY ACCOUNT FOR THESE " PENDING '' CHARGES TO POST. WHEN I ATTEMPTED TO ACCESS MY ACCOUNT, VIA MY ONLINE ACCOUNT, THE BANK HAD LOCKED ME OUT OF MY ACCOUNT. NOW THE BANK IS REQUIRING ME TO FILL OUT " FRAUD '' DOCUMENTS WHEN THE RESPONSIBILTY FOR THIS LIES SOLELY WITH THE BANK. 
IT IS MY BELIEF THAT MANY RETALIATORY ACTIONS HAVE BEEN TAKEN AGAINST ME/MY ACCOUNT FOR PAST COMPLAINTS I HAVE FILED. 
MY ACCOUNT REMAINS FROZEN AND MY FUNDS UNAVAILABLE.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-21
Company: RoundPoint Mortgage Servicing LLC
State: UT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Starting with my XX/XX/XXXX payment and with each monthly payment through XX/XX/XXXX in addition to my monthly payment, I included an additional {$10000.00} dollar payment to go to paying down my outstanding principal. This was submitted with the companies own payment coupon and was clearly stated for what each amount was being payed. These additional payments have not been properly posted to my account. 

Before the {$10000.00} payments were credited against my outstanding principal, the next month 's payment was subtracted from it and the remainder credited to my outstanding principal. This has resulted in my outstanding principal balance being too high and me being over charged on interest owed. 

I have written letters to my mortgage company twice asking for this problem to be corrected and my outstanding principal balance to be brought up to date. These letters were sent on XX/XX/XXXX and XX/XX/XXXX. 

The first letter resulted in my balances being corrected for XXXX and XXXX but not for XXXX Another attempt to correct the situation was made by Roundpoint Mortgage but that did n't address the over charges made for interest due and thus did n't resolve the problem. As of today ( XX/XX/XXXX ) my outstanding principal is stated as being {$130000.00} instead of the {$130000.00} that it should be. 

Each month that this continues only compounds the problem. I am being over charged on interest and my payments against my outstanding principal are smaller than they should be.

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 2018-01-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have contacted all 4 credit reporting agencies XXXX, XXXX, transunion, XXXX I sent certified mail requesting then demanding all accounts to be VALIDATED not a verification & to provide me with certified copies of the TRUE BILL and accounting log if accounts ca n't be VALIDATED then it must be removed, remove inquiries, Fraudulent TAX LIEN, remove phone numbers and personal statements, XXXX its a Fraudulent acct. update addresses thryvkerp telling me they have not received any certified mail from me i have the proof they got it UCC 1-308 WITHOUT PREJUDICE

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 2018-01-21
Company: EQUIFAX, INC.
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: Old information reappears or never goes away

Complaint:
This account was transferred to XXXX and is currently being repaid. The loan no longer belongs to XXXX. It has been over 7 years and this account is still showing on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Old information reappears or never goes away

Complaint:
This account was transferred to XXXX and is currently being repaid. The loan no longer belongs to XXXX. It has been over 7 years and this account is still showing on my credit report

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 2018-01-21
Company: AES/PHEAA
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: Old information reappears or never goes away

Complaint:
This account was transferred to XXXX and is currently being repaid. The loan no longer belongs to XXXX. It has been over 7 years and this account is still showing on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-21
Company: MERCHANTS ADJUSTMENT SERVICE, INC.
State: MS
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
it was on XX/XX/XXXX and XX/XX/XXXX that i sent my letters asking for verification of this debt.Neither time were there anything sent to me bearing my name within the 30 days time limitation.The item is still on my report after they have broken the law by not verifing it in time. 
It is causing me great hardship dealing with this matter for so long. 
The certified mail reciept number is XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-17
Company: Resurgent Capital Services L.P.
State: AR
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:
LVNV Funding, LLC XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, NV XXXX LVNV Funding LLC is reporting two accounts they can not validate I owe them money. They have failed to provide name and address of the alleged creditor, alleged debtor, alleged account number, address on file for the alleged debtor, the alleged debt amount, date alleged debt became payable, date of original charge off or delinquency. They have not advised if the debt was assigned to the LVNV Funding, LLC, or purchased. They have not provided the amount of debt was purchased. 

They are reporting to the three reporting agencies the accounts as recently opened when they have reported the two accounts for years.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-06
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: Personal information incorrect

Complaint:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified information listed below still remains on my credit report in violation of Federal Law. The TransUnion Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified personal pieces of information. PLEASE REMOVE THE FOLLOWING INCORRECT PERSONAL PIECES OF INFORMATION COMPLETELY FROM MY CREDIT REPORT. 
Wrong Name : XXXX  XXXX, XXXX Wrong Addresses : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL 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 2018-01-21
Company: Cornerstone Holdings, Inc.
State: AK
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was diagnosed with XXXX while studying medicine out of state in Alaska. Since the insurance was through a Washington state coverage ( my home state ) I had to get prespptoval for treatment out of state. I thought bills had been paid by insurance and later learned the had failed to cover the initial XXXX XXXX performed in Alaska as well as a number of follow-up visits which were in Washington state, where the major treatment was performed. The insurance company also failed to cover needed supplies for my XXXX XXXX materials. 
All this has resulted in damaging my credit when I THOUGHT I was completely covered. XXXX, XXXX, XXXX, XXXX were covered for the most part but the few items they never paid adversely affecting my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-11
Company: CORELOGIC INC
State: AZ
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:
I have credit inquiries listed on my consumer reports I have no knowledge of nor given permission for my credit to be pulled. I have tried reaching out to the creditors by phone and also mail only to receive nothing in return.

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 2021-12-06
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: Account status incorrect

Complaint:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified inquiries listed below still remain on my credit report in violation of Federal Law. The TransUnion Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. PLEASE REMOVE THE FOLLOWING INQUIRIES COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-21
Company: CDI Affiliated Services, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received several phone calls with regards to this collection account for the amount of {$510.00}. After speaking with this creditor the conclusion was this is not my account because the social security number does not match. They agreed to remove this collection from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-22
Company: ERC
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:
This account with XXXX originated with a date from 2010. The original 2010 date should be aged off if nothing else. I filed and forwarded a fraud report from The FTC. The account was removed from all three CRA. It has since repopulated on my XXXX report via a collection agency and the new date shown. 
XXXX has been reporting my account with an incorrect birthdate and SSN. I have filed electronic disputes, with supporting documentation, that I have again attached.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-22
Company: Millco Management
State: AL
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:
XXXX XXXX Is reporting negative information on all of my credit bureau reports. This account was paid to the original creditor by my insurance company and should never have been placed on collection and never be reported on my credit files. When I contacted XXXX XXXX they promised me that the accounts would be removed and nothing negative should be reporting on my credit reports.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-22
Company: Experian Information Solutions 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:
This account with XXXX originated with a date from 2010. The original 2010 date should be aged off if nothing else. I filed and forwarded a fraud report from The FTC. The account was removed from all three CRA. It has since repopulated on my Experian report via a collection agency and the new date shown. 
Experian has been reporting my account with an incorrect birthdate and SSN. I have filed electronic disputes, with supporting documentation, that I have again attached.

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 2018-01-22
Company: EQUIFAX, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have repeatedly reported to all three credit bureaus that I have no knowledge of an account with XXXX XXXX XXXX All three bureaus keep coming back saying the account is accurate and verified but they dont send me any information showing how or what was used to verify the information or any information validating the validity of this account and that its owed my me or that its even my account. I dont know who XXXX XXXX XXXX is Ive never heard of them, have no knowledge of owing them. And nothing has been produced to show why this negative account should be reporting on my credit bureau reports

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have repeatedly reported to all three credit bureaus that I have no knowledge of an account with XXXX XXXX XXXX All three bureaus keep coming back saying the account is accurate and verified but they dont send me any information showing how or what was used to verify the information or any information validating the validity of this account and that its owed my me or that its even my account. I dont know who XXXX XXXX XXXX is Ive never heard of them, have no knowledge of owing them. And nothing has been produced to show why this negative account should be reporting on my credit bureau reports

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 2021-12-06
Company: EQUIFAX, INC.
State: CA
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 became a victim of identity theft couple of years ago. After that incident I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS AND INQUIRIES from my credit report immediately. They are a result of ID theft. Beside these items, I also want to delete incorrect names and addresses also. I never used these names and never lived in these addresses. Please remove these items which are not authorized by me as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 became a victim of identity theft couple of years ago. After that incident I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS AND INQUIRIES from my credit report immediately. They are a result of ID theft. Beside these items, I also want to delete incorrect names and addresses also. I never used these names and never lived in these addresses. Please remove these items which are not authorized by me as soon as possible.

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