BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-08-06
Company: Netspend Corporation
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting, activating, or registering a card

Complaint:
I called to have my Paypal Card activated Im told that Everyone has an Residential address and a Bank Account and Insurance and you have to show proof of Address like an light bill or you should have an letter from the Government, this is Discriminatory to people who Dont Work, Who Dont have a Bank Account, Who dont have a Home/Residential Address with a Light Bill, Or have went or have an letter from the Government Office. : ; I havent got an Home I live in an extended stay, I dont deal with Any banks that arent meant for the living I havent dealt with any Government Offices to have any mail from them so how do Any living man or woman supposed to get an card activated this is Discrimination against any living man or woman that has or need this card and that living person cant get a card because it was said by the CSR AND SUPERVISOR XXXX everyone has an Residential Address and thats not true all all ... This is an class action law suite Paypal is Very Bias against living people who are Homeless with an Residential Address, Living People who dont have an Home, Living People who dont have Bank Accounts that are meant for Legal Entities, not living People, for living People who dont have or get Paychecks but Who Do Have An SSN & ID with the Legal Entities name listed on the Government Issued ID of the living man or woman is without any of your Documents that Paypal is asking for and its not giving to them Because under the Corporations Laws its what is Demanded from you if you dont have an HOME your Denied to have an PER-PAID PAYPAL MASTERCARD ACTIVATED

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 2021-10-19
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Contacted creditor at the beginning of the pandemic requesting to change payment date from the seventh to the XXXX. Months later I applied for a mortgage approval that I was approved for {$400000.00}, my lender said that my XXXX balance was a bit higher than expected to be and the car payment amount seem to be high which was reported to be over {$900.00} per month at that point. I called the creditor to fix the situation they said they can not do that. I filed a dispute and the creditor retaliated by putting five late payments on my report. Creditor refuses to stay in compliance with the governor XXXX XXXX executive order in the state of New Jersey that states no creditor or credit reporting agency should report delinquent late payments if the account was not in delinquent status prior to when the pandemic began until 120 days after the state of emergency ends which is XX/XX/2022. This creditor has cost me a mortgage denial of {$400000.00} plus {$3000.00} per month for six consecutive months for an extended stay hotel suite . I am asking the lender to contact there legal department and review the governors executive order in regards to credit reporting and the pandemic that is still in affect and remove the two late payments that they put on there. This is financial abuse to me and my family and I will seek civil action in regards to monetary and credit losses. My credit score went from excellent credit to fair credit which cost me numerous denials based on their error.

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 2017-11-06
Company: Money Services, Inc., d/b/a Texoma Finance
State: OK
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
I paid my account in full before the court date hearing on XXXX XXXX th 2017 they charged me XXXX for the processing and other fees intop of my payoff when I told the company that I paid it off before court they said that I still had to pay it the company cursed at me and called me a snobby snot after asking for the supervisors number he would not let me speak and accused me of cursing when I did not I am very upset how they have treated me I need something done and help in what I need to do this loan company is XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-19
Company: Experian Information Solutions Inc.
State: WV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This account is not mine. I have called them numerous times to demand validation of the said account and get it closed because I do not want to mess up my credit, but they give me the runaround every time and have never received any validation. I have disputed this but had no resolutions. I was defrauded and scammed. The account was not to be opened and not to be reported. I have requested numerous times for the account to be closed. They specifically failed to validate a debt as I requested, which is a Fair Credit Billing Act violation. I am seeking a reasonable resolution to this situation. Their lack of response for mutual negotiation or the validation of this account, has not been completed. This account is to be updated as disputed or to be deleted from the credit reporting agencies due to the damage to my character during this account dispute. The company has willfully neglected my requests and have caused continual damage to my finances. They violated the Fair Credit Billing Act, and Fair Credit Reporting Act for the purpose of causing harm. The mental and physical health is under attack by the stress of this companies ' actions. They harass me and my family by threatening statements and constant calls. This is a scam & I was defrauded, I demand this to be thoroughly investigated promptly. This willful neglect has not only caused much financial hardship, but is a direct violation of my rights under the Fair Credit Reporting Act. This inaccurate account is being reported in my credit records and is hurting my financial stability.

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 2020-05-22
Company: WHEELS FINANCIAL GROUP, LLC.
State: UT
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Received a loan you didn't apply for

Complaint:
Someone applied for a title loan in my name the car as far I know has been totaled. There keep trying to collect from me I've sent them information on ID theft and it wasn't me. They still are trying to collect on something I didn't even do. XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-08
Company: Upgrade, Inc.
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Upgrade claims to report to all major credit bureaus in a timely manner but I have had recurring issues where they claim to be reporting but there seems to be an issue or error with the way they are reporting since it does not update on my credit files with XXXX, XXXX or XXXX. Each time I have had to call to bring the issue to there attention and I have been told they have reported but after waiting and rechecking it is not so. Today XX/XX/XXXX I reached out to XXXX and they clearly indicated that once new info is provided to them they update same day or at the latest within a couple days of info being received but they had not received an update from upgrade as they claimed at all in the month of XXXX. I called upgrade once again after speaking to experian to give them another chance to try to correct the most recent balance and payment history issue and after speaking to a member of there leadership team as they refer to it, I was told they would not take my word for it and that they would conduct a review of there own reporting and if they found an error then and only then would they send a credit correction for my account. The rep refused to provide more identifying information when I requested for his info and only provided XXXX as his first name and after asking for his employee iD or any other info he refused. I know these calls are recorded and should be reviewed since rep was evasive and condescending when I asked for a fair solution of having them please re-report or correct my credit file and also conduct a review to avoid this issue from continuing to happen to any other clients. All other creditors report on a monthly basis and similar creditors who report on the last day of the month like Upgrade reflect updates in a timely manner within days of there reporting. All I ask is that my loan be updated on a timely basis to the credit bureaus. If you claim to be reporting at the end of each month but the client has to call each month to address non-reporting then there is obviously an issue somewhere. Please address and correct this issue so info regarding my loan is reported accurately and timely to the credit bureaus since this affects my credit and finances and may be affecting other clients as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-09
Company: EQUIFAX, INC.
State: FL
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:
THE INQUIRIES BEING DISPUTED I DID NOT AUTHORIZED THOSE, PLEASE INVESTIGATE AND HAVE THOSE REMOVE OFF MY FILE.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-12-27
Company: Experian Information Solutions Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I disputed an amount XXXX University charged me for attending there college. This amount was removed from all credit bureaus except Experian. Experian informed me that XXXX college said they refuse to remove and they were going to increase amount and report more frequently. This is in retaliation against me of a lawsuit I won against them for false claims to award employment to students upon graduation. I have attached this lawsuit that was awarded in my favor. All reported credit bureaus have removed this debt, accept Experian who stated XXXX refused and plans to increase debt and report more frequently as retaliation against me

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-08
Company: SYNCHRONY FINANCIAL
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:
I have never been 30 days late with a lender. I made a payment in XXXX that was frozen due to fraud on my personal bank account. I was not notified that Lowes was not paid until they reported that I was 60 days late on my credit report. I have spent several hours and made several attempts to get this corrected, but they have not helped me.

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 2021-04-16
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Experian has my address as " XXXX XXXX XXXX XXXX ''. I live on " XXXX XXXX XXXX XXXX ''. They are the only credit agency with this address and insist that they got it from various creditors. I have never lived at XXXX XXXX XXXX XXXX. I called XXXX XXXX and they insisted they have never reported me as living at XXXX XXXX XXXX XXXX Filing in the online dispute results in same thing -- disallows me from correcting this incorrect address and insists it came from creditors. 

Here is why that is a problem - our mail was once misdelivered to XXXX XXXX XXXX and the people who lived there never gave us our mail. If they had a credit card application with my name sent to that address they they could've filled out the form and changed the address to steal my identity. 

Why is Experian being obstinate about correcting 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 2018-01-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
I have tried to contact Capital One on multiple times to remove these derogatory remarks i recently have gone through financial hardship and have been late making a few payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 or around XXXX17 I noticed a account from XXXX XXXX XXXX # XXXX, # XXXX, TXXXX XXXX XXXX XXXX # XXXX, XXXX # XXXX, I do not recognize this account as being mines. I have no contract information or any paperwork for my review. I believe these accounts are in error please delete.FCRA 611 ( 15 U.S.C. 1681I ) PROCEDURE IN CASE OF DISPUTED ACCURACY please follow up in writing the This is the second time I have filed a complaint over this issue.

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 2017-11-06
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: VA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
I received an email today XX/XX/XXXX from a XXXX XXXX saying I was due in court on Friday to pay a bill or else the judge would decide for me. It said to fill in my zip code in a box on the email and it would give me the court to go to. It gave me a list of Federal courts. I emailed him back and asked him what it was about. XXXX, this payday loan place, said I owed them XXXX dollars. 

I have never had a payday loan. I wrote back by email and said he should check his accounts. I said I would contact an attorney. Well, it is election day tomorrow and my attorney is out campaigning. 

This is an awful thing to do to a XXXX year old lady. I have never even gotten a notice about the loan. How can anyone take anyone to court or threaten taking anyone to court without telling them well enough in advance? I thought you had to have a supoena.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
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 on XX/XX/2019 notifying Transunion that there was fraudulent information on my account and asked that the fraudulent account, including related inquires, be removed from my account. I received a XX/XX/19 credit report from Transunion. The fraudulent account had been removed. However, there are still three related inquiries that have not been removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-08
Company: TRUIST FINANCIAL CORPORATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Suntrust and BB & T merged and have virtually no customer service or way to reach a live human being to find out where the debit cards are they supposedly mailed out a month ago. No one calls back or responds to emails or attends the scheduled appointment for a callback. The number they keep giving is a never ending hold. When the branch is contacted directly it flows to voice mail and they never call back.

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 2020-02-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
Im an listed as Payable on a death of my mother account at Bank of America. According to the companys website, I went to a branch after her death to submit the death certificate and close the account. I went to the branch on XXXX XXXX XXXX  in XXXX. 2 employees there refused to help me. The account is frozen and they told me I need an appointment, but couldnt tell me when someone would be available to make an appointment with. This seems incredibly fraudulent to refuse to meet with me at all, let alone turn over the account funds to me.

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 2021-11-26
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NY
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I found out my online saving account transferred out XXXX, XXXX dollars to unknown place without notification on XX/XX/XXXX The transaction happens on XX/XX/XXXX Found out XXXX days later Called HSBC bank, they told me it is through online wire transfer I dont even know how to use this function

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-16
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am writing to delete the information in my file. The items i need deleted are listed in the report. I am a victim of Identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and i also have enclosed copies of the Federal Trade Commission 's Identity theft affidavit. I would appreciate it if you deleted these items as soon as possible as it is hindering me. I'm trying to advance in my life by getting a house and a car to provide for me and my XXXX children.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-05
Company: Phoenix Financial Services LLC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
PHOENIX FINANCIAL XXXX # XXXX I'm unaware of this account and did not receive notification about of debt. If you believe you provided notification, please PROVIDE CERTIFIED RECEIPT. Also, please provide Assignment of Debt, Validation of Debt, and Method of Verification. Not to mention you would be in violation of my HIPAA Rights.Please honour all request of documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-08
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is XXXX XXXX and this complaint to Equifax was the result of their non-compliance to my request and for their refusal of getting the items, listed below, to be removed from my credit reports. They neither removed nor responded to my request which I believed to be against the Federal Credit Reporting Act 's rules. Under FCRA, 30 days without responding to the requests I have sent should be considered as an immediate deletion. So please, I am sending this complaint to seek help and assistance to help me delete the concerned items for they were found erroneous and unauthorized.

DEPT OF EDXXXX XXXX Balance {$0.00} XX/XX/XXXX DEPT OF ED/XXXX XXXX Balance {$0.00} XX/XX/XXXX DEPT OF ED/XXXX  XXXX Balance {$0.00} XX/XX/XXXX DEPT OF ED/XXXX XXXX Balance {$0.00} XX/XX/XXXX DEPT OF ED/XXXX XXXXXXXX Balance {$0.00} XX/XX/XXXX DEPT OF ED/XXXX XXXXXXXX Balance {$0.00} XX/XX/XXXX DEPT OF ED/XXXX XXXX Balance {$0.00} XX/XX/XXXX XXXX XXXX Balance {$0.00} XX/XX/XXXX XXXX XXXX Balance {$0.00} XX/XX/XXXX XXXX XXXX Balance {$0.00} XX/XX/XXXX XXXX XXXX Balance {$0.00} XX/XX/XXXX XXXX XXXX Balance {$0.00} XX/XX/XXXX XXXX XXXX Balance {$0.00} XX/XX/XXXX XXXX XXXX Balance {$0.00} XX/XX/XXXX XXXX XXXX Balance {$0.00} XX/XX/XXXX XXXX XXXX Balance {$0.00} XX/XX/XXXX XXXX XXXX Balance {$0.00} XX/XX/XXXX XXXX XXXX Balance {$0.00} XX/XX/XXXX XXXX XXXX XXXXXXXX Balance {$0.00} XXXX XXXX XXXX ( Original creditor XXXX XXXX XXXX  ) XXXX Balance {$0.00} XXXX XXXX Balance {$43.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-28
Company: CL Holdings LLC
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:
On XXXX XXXX, 2016 A credit collection Agency by the name of XXXX XXXX XXXX placed a fraudulent account onto my credit report for the amount of {$1900.00} with XXXX XXXX, which is not mine. I 've disputed this account numerous times with XXXX and XXXX. I 've done my research on the company and I 'm not the only victim. This caused my credit score to drop dramatically. I 've contacted the company only to be placed on hold and never returned to.

Company response to consumer: Closed with non-monetary relief