BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-09-15
Company: Netspend Corporation
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
I have a netspend prepaid card account that had been active for several years but over the last 6 months or so I have kept it dormant with a token balance remaining. Having forgotten about the account altogether, I was surprised to get an alert on XXXX XXXX XXXX about not only a purchase that was made using the account but that it gave me a negative balance on the account. I contacted the appropriate disputes department immediately, sent in the appropriate documentation and formal dispute letter while still on the phone with them and received confirmation that the documentation was received. They assure me they will " investigate '' etc. 

I called them today XXXX/XXXX/XXXX to followup on the issue as no provisional credit had been issued as promised within the XXXX business day designation ( XXXX and a half weeks have gone by! ). After being juggled around their call center for about XXXX minutes I finally just asked flat out to the supervising representative ( verbatim ) " So, is it NetSpend 's official stance on this issue to completely disregard Federal law as outlined in the XXXX act and consumer protections held therin? '' to which she replied almost triumphantly, and I 'm quoting here " Yes. '' and then continued to tell me the credit would be issued after the investigation was complete and there was no one she could put me in contact with regarding the issue. 

Finally, I decided to contact the merchant who processed the fraudulent transaction that instigated all this madness. They turned out to be a payment processing company who apologized immediately, confirmed that this was a fraudulent transaction among a string of them related to a specific client of theirs, offered to provide any documentation required to prove as much, and lastly ( and this is the funniest part ) that they have received no contact from Netspend regarding the dispute and in fact had reached out to them regarding a whole separate set of issues only to be stonewalled like the rest of us. What a joke! 

Alright, thats it. I have extensive documentation supporting all these claims, time stamped, dated etc. Please advise as to what would be most beneficial. 

Thank you for your time and attention to this matter. 

P.S. I imagine the issue will be resolved by the time you have a chance to act on this, and thats fine, I 'm not really interested in the monetary value at risk here, I am purely seeking moral restitution. 

Good luck!

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 2020-05-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
I have a issue with XXXX XXXX Bank. I was in the process of refinancing my loan when the corona virus hit and shut everything down. I had a hard time communicating with them due to the stay at home order. I talked to multiple people and was given different instruction. I was told that I will have my payment deferred for a few months while everything gets settled. That never happened and they kept reporting me late. I understand these were tough times and that bank employees were having a hard time navigating through this. But I was misled and my credit score suffered. Now I am told I cant refinance because of it. I have had multiple loans for over 40 years and never missed a payment. XXXX XXXX need to fix this as I was a loyal customer for over a quarter century.

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 2021-10-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
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:
capital one pottery barn lists me having a 30 days late on XX/XX/2020 and this is reporting incorrectly and i have notified the company and XXXX about this and still no correction

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-07
Company: Fidelity National Information Services, Inc. (FNIS)
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 checked my credit and found that XXXX XXXX XXXX DID NOT remove he account as promised, if I paid the debt in full. Instead, they have reported it as charged off paid. That is NOT what was promised to me by XXXX XXXX, Sr Collector at XXXX XXXX. I want this account removed ASAP!

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 2020-11-30
Company: ENCORE CAPITAL GROUP INC.
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XXXX, I got a court summons that I was being sued by Midland Credit Management over a XXXX XXXX account. Prior to this statement, I did not even know that Midland owned the account. I hadn't received any other type of notification from Midland regarding this account. I tried calling to work out a payment plan or a settlement but they would not accept anything because it was already in legal collections. I have gone online and made two payments and contacted them multiple times since then to try to make arrangements but they continue to tell me that they plan to sue and not work with me even though I am trying to make payments and work this out. I asked to speak to a manager and they wouldn't transfer me to anyone when I called today. The collector didn't notify me of the full mini miranda when I called today as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-26
Company: BARCLAYS BANK DELAWARE
State: MS
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
XXXX of 2015 I purchased a XXXX XXXX from XXXX with a Barclay credit card. It had a 18 month no interest offer. So I made more than the minimum payment knowing I probably wouldn't pay it all off in 18 months but that I'd get it paid down. During that time I had used it for other items but always made payments. 

When the 18 month promotional period I was charged {$610.00} in interest. From that point until today my interest charges have ranged from {$61.00} to {$51.00}. So for over 3 years I've paid more than {$2400.00} in interest on a {$2000.00} credit card. My payments went from {$38.00} to over {$80.00} a month for something as little as a {$610.00} increase. They not only tacked 100 % of the interest, then they increased the interest. 

When I called about it I was treated like I was a XXXX and that I should have known how interest works and that's it's too late. If I don't make a payment they'll ruin me. 

I truly feel like I've been frauded and taken advantage of. This is OVER and above what a company should be allowed to do. I have copies of every statement that I can provide upon notice.

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 2021-11-03
Company: Experian Information Solutions Inc.
State: IL
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:
Please remove XXXX XXXX  from my report asap. This account has been settled and has been promised to be removed by the company but is still reporting on my credit. Which is damaging my credit and making me unable to obtain housing. I have attached a Letter showing sentry credit agreed to remove the account. Please Update as soon as possible. Thanks for your timely assistance and understanding

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 2021-10-07
Company: EQUIFAX, INC.
State: VA
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 XXXX XXXX lists me having a 30 days late on XX/XX/2020 and this is reporting incorrectly and i have notified the company and equifax about this and still no correction

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-28
Company: Thaxton Investment Corporation
State: IL
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Struggling to pay your loan

Complaint:
I'm current on my payments. i was flagged for a missed payment over 30days but i made the payment on time, i was falling behind due to covid related issues and that was thurly explained.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-29
Company: Experian Information Solutions 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: Information is missing that should be on the report

Complaint:
On XX/XX/2020 I was checking muy report through XXXX XXXX and I realized that my score went down 51 points. All of the accounts were removed and my mortgage was removed as well. I am very serious about my credit and I have been struggling so hard to get my credit together. I pay my bills on time. This is very annoying during this pandemic. I am having XXXX due to this. I went on back on XXXX XXXX   Saturday XX/XX/2020 and noticed that the some of the information was placed back on my report after I made the phone call to XXXX  on Friday XX/XX/2020. I spoke to XXXX the customer service rep and also XXXX the supervisor which told me there was nothing that could be done and that someone sent in a letter requesting that this information be taken off. I was asked if I had any third party apps and XXXX   stated that they do not report the correct info. I said to them how is that possible. Why would they not report the right info if they are representing your company. She said we sell your nfo to them. I feel that my right s have been violated and I want something done immediately.

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 2020-08-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information is missing that should be on the report

Complaint:
On XX/XX/2020 I was checking muy report through XXXX XXXX and I realized that my score went down 51 points. All of the accounts were removed and my mortgage was removed as well. I am very serious about my credit and I have been struggling so hard to get my credit together. I pay my bills on time. This is very annoying during this pandemic. I am having anxiety due to this. I went on back on XXXX XXXX   Saturday XX/XX/2020 and noticed that the some of the information was placed back on my report after I made the phone call to XXXX on Friday XX/XX/2020. I spoke to XXXX the customer service rep and also XXXX the supervisor which told me there was nothing that could be done and that someone sent in a letter requesting that this information be taken off. I was asked if I had any third party apps and XXXX   stated that they do not report the correct info. I said to them how is that possible. Why would they not report the right info if they are representing your company. She said we sell your nfo to them. I feel that my right s have been violated and I want something done immediately.

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 2020-08-29
Company: Experian Information Solutions Inc.
State: KY
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 made the final settlement payment on this account in XXXX. The payment cleared my bank account of XXXX on XX/XX/XXXX. I have since contacted XXXX XXXX XXXX 3 times regarding this matter. I have submitted disputes to each credit bureau. As of XX/XX/XXXX when my most recent dispute was resolved and the account was reported to the credit bureaus the account is stilll showing as open and delinquent. Each contact I have made I have just been told to submit a dispute ... this is clearly not working as they are still reporting the account as open and delinquent.

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 2021-01-28
Company: CCS Financial Services, Inc.
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
CCS ( credit Collection services ) had written to me in an attempt to collect {$230.00} that they stated is due from a property insurance policy issued for XXXX XXXX XXXX XXXX XXXX, MI XXXX from XXXX XXXX XXXX. I informed CCS that the alleged debt is not owed due to the fact that the insurance policy was to be flat cancelled as I never became the owner of this property in a contract sale. XXXX XXXX was paid on my behalf. I submitted proof of the official municipal ownership records to both CCS and XXXX XXXX to indicate I was never the owner at any time of this property and I lack legal insurable interest to receive any insurance payments, thus the insurance contract was null and void. XXXX XXXX failed to handle this flat cancellation correctly and has appointed CCS to aggressively pursue the fraudulent collection. CCS disregards their duty to properly substantiate this invalid and erroneous debt after receiving proof that I do not own this property.The closing agent has even contacted this company as well. CCS has proceeded to report the derogatory information to all 3 credit reporting bureaus which has harmed my credit. I have filed a complaint with the michigan insurance department and I may take legal action against the company with the Federal Trade Commission if there are any violations of standards to the fair debt collection practice or other acts.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-29
Company: EQUIFAX, INC.
State: KY
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 made the final settlement payment on this account in XXXX. The payment cleared my bank account of XXXX on XX/XX/XXXX. I have since contacted XXXX XXXX XXXX 3 times regarding this matter. I have submitted disputes to each credit bureau. As of XX/XX/XXXX when my most recent dispute was resolved and the account was reported to the credit bureaus the account is stilll showing as open and delinquent. Each contact I have made I have just been told to submit a dispute ... this is clearly not working as they are still reporting the account as open and delinquent.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
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 sent a letter to Capital One Bank USA N to validate a false debt that they put in my name and has been negatively effecting my credit report, it has been over thirty days since I sent the first letter which they have failed to respond to with a validation, they continue to send me emails about updating the my information since they do not have the proper information on my to validate it.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-29
Company: Ad Astra Recovery Services Inc
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have made many attempts to contact this collection agency and submitted Identity Theft Federal Trade Commission number to them. I have fax over documents and this agency is not responding to removed this collection from my credit reports as it was a result from Identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-29
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Since 2012 I have been adding a fraud alert through Equifax but yesterday when I call to add a new fraud alert instead of getting the automatic system I got an agent after providing my social security number and other verification info requested the agent said that he would not be able to add my fraud alert unless I sent copies of driver license and copy of social security card according to him to proof my identity information that I had not needed to provide for 8 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-03
Company: ALLY FINANCIAL INC.
State: OK
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem while selling or giving up the vehicle

Complaint:
On XX/XX/XXXX, I received notification from the GAP insurance that they paid an additional {$600.00} to Ally Bank in reference to the XXXX XXXX XXXX that was destroyed XX/XX/XXXX and subsequently declared a total loss. After being told over the summer by an Ally Total Loss respresentative, Diamond, that if the account was overpaid, I'd receive a refund check within XXXX business days, I was told on XX/XX/XXXX by Cherry ( Reference : XXXX ) that it would now be 60 days until the check was sent. I explained that I would be moving prior to that time and she stated she would have my check expedited and I would have it within 2 weeks. On XX/XX/XXXX, I called and spoke with XXXX who confirmed the check has not yet been issued, 2 weeks later, and that it takes 30 days normally for the check to be issued. Later in the conversation, XXXX stated that it takes 55 days for the check to be issued. Their stories are inconsistent. They had NO problem taking my money within 48 hours when I was forced to pay off the loan to stop interest from occurring after they failed to properly and timely withdraw the money to pay off the loan from my dealership, but now they can't send me my money back in a timely manner after they have now been overpaid again.

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 2021-01-28
Company: General Motors Financial Company, Inc.
State: SC
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:
There is unknown hard inquiry on my credit reports. Im requested the verification of the inquiry and the method of verification. AMERICREDIT XXXX, Inquiry : XX/XX/XXXX. For the first time no response came in 15 days company did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-11
Company: Continental Credit Control
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I spoke to a company that is reporting inaccurate information on my credit report they advised me that they dont have a email or a process in place as far as time frame for the inaccurate information to be removed from my credit report. They advised the service was rendered on the XXXX of XXXX and this is ruined my credit by 30 points with no end on site. I want the company to remove the inaccurate information from my credit report immediately. I would want paperwork to be provided of the service rendered as well as the debt amount showing that it has not been paid or is owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-06
Company: GOLDMAN SACHS BANK USA
State: OR
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 have applied for an Apple Card which is offered by Goldman Sachs Bank USA, XXXX XXXX XXXX Branch and been denied. My most recent application for this card was XX/XX/XXXX. The text of the denial stated " Thank you for your interest in Apple Card. Goldman Sachs Bank USA has reviewed your application, and it was not approved at this time because : You have recently been past due '' However, I have not been past due on any account since XX/XX/XXXX to XX/XX/XXXX. These delinquencies

are over four and a half years ago. I contacted
goldman sachs and was told the information came from Transunion. I pulled all my transunion reports and they don't show  any " recent past due '', XXXX  agrees they haven't seen anything negative on my report since XXXX and very early XXXX. I also pulled all my other credit reports which also show no delinquencies in the last 4-5 years, certainly nothing recent. 

I am reporting to the CFPB because I can not get anyone at Goldman Sach 's to take a closer look at this erroneous denial letter and allow me to be approved for the Apple Card. Thank you.

Company response to consumer: Closed with explanation