BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-03-09
Company: Netspend Corporation
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble closing card

Complaint:
Deposited {$3000.00} via ACH from my XXXX XXXX XXXX to my netspend account, as well as other cash deposits. This took place XXXX of XXXX. After a few months of not using my account I called to close it. Netspend representatives agreed to close it and send me a check of my balance which was my initial ach deposit plus money from my other cash deposits. I was never sent a check and my card was cancelled, giving me no way to access my funds. Months of calling and I was finally able to reach a representative who would help me named XXXX. On XX/XX/XXXX she reportedly arranged to have netspend ach transfer me back my initial {$3000.00} deposit. The money never reached my account and now netspend is saying the transfer was successfully completed. I have spoken to my bank XXXX XXXX about this and they have told me to take legal action as no incoming transfers to my bank took place. Netspend has taken over {$3000.00} of my money. I have given them 5 months to return my money and hours of calling with no success, the only other option is legal action now.

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 2018-09-30
Company: CITIBANK, N.A.
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
Brand new XXXX XXXX XXXX XXXX XXXX XXXX XXXX As soon as I activate my card I am asked to call customer service because fraud has been detected. 

Called a total of three times and was not transferred to a supervisor. 

I gave them the following the verify but they said they just needed to send a letter with a special code to call with. I asked if they needed to verify my address and they said it was on file so, very ironic considering the situation. 

Verification Items Provided : XXXX card number open for 1.5 years. Couldnt verify. 
XXXX XXXX card number open for 8 years. Couldnt verify. 
Current cell number. Couldnt verify. 
Old cell number ( still active and has been for 15 years ). Couldnt verify. 
Also sent them my most recent XXXX  during the application process with matching address and they still couldnt verify. 

Waiting for the letter to verify now and a possible call from management since I instructed them Id be filing a formal complaint. I will likely just close the card once Im able to verify since it has been such a bad experience.

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 2017-09-19
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 XXXX XXXX, 2015 I received a credit monitor alert stating I was 30 days past due on a auto loan payment ... ..I called my credit union for explanation, and they told me there was no late payments and no referral of late payment and it was the fault of transunion credit bureau for an erroneous late payment post .... I called transunion and they told me XXXX XXXX XXXX XXXX made a 30 day late payment notice ... ..I filed a complaint with your agency, and they referred it to the national credit union assoc ... ..after an investigation by the ncua, XXXX XXXX sent me documentation that the loan was never delinquent and was never reported as such..however, the late payment remains on my credit report and 44 points were taken off my score

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 2018-02-13
Company: Diversified Consultants, Inc.
State: CO
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
this company XXXX says i owe them when i paid this bill off and they are trying to say i owe {$2500.00}, they keep calling me and harassing me saying i better pay it or they will sue me. I'm tired of the calls.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-25
Company: Mercedes Benz Financial Services
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: Information belongs to someone else

Complaint:
I checked my credit report when purchasing a vehicle, that is when I realized I am a victim of identity theft. I filed a report with the F.T.C and my local police department. I send all documents to the C.R.A and XXXX Card, MB Financial Services, and XXXX  XXXX. The Account Opened is XXXX Card Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$6400.00}. The Account Opened is MB Financial Services Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$8900.00}. The Account Opened is XXXX XXXXXXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1300.00}. I have never opened an account with them, I am a victim of identity theft and I need this resolved and removed from my name and credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-11
Company: Opensky Legal Services
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Open Sky Legal said they could get me a modification on my loan. I paid {$4000.00} to date starting in XX/XX/2019 til XX/XX/2019. They fell through and I was denied any help except for a short sale. I need my money back from them because they stated they could do this and didn't. I just make enough to pay some of my bills with my large house note.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-11-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 are fraudulent accounts reporting on my credit report. I submitted a complaint with the Federal Trade Commission. Please help me to remove these accounts from my 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 2023-01-04
Company: EQUIFAX, 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 XXXX  Account XXXX XXXX BANK XXXX, has 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 a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-04
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 XXXX  Account XXXX XXXX BANK XXXX, has 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 a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
The three credit bureaus are reporting seven credit cards in negative status. The negative status is because of charge off. I made agreements with my credit cards to settle the accounts for a lower price and this agreement was turned into an attack to destroy my credit. The biggest issue : this negative reporting is posted in the year XX/XX/XXXX. This is a LIE!!! I was in the hospital in the year XX/XX/XXXX and lived in a shelter in the year XX/XX/XXXX. I never had any credit cards open during this time. These credit bureaus know that they are attacking people. These credit bureaus know that they are falsifying credit information. These credit bureaus know that LIEING that my credit cards became delinquent in the year XX/XX/XXXXwill prevent me from future applications of credit. The credit bureaus reported seven credit cards delinquent in the year XX/XX/XXXX. Why wait so long to report my credit cards. I never had the cards open during this time and all delinquent cards paid in full by XX/XX/XXXX. These bureaus waited until XX/XX/XXXXto report the credit cards. THIS IS EVIDENCE OF AN ATTACK!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-04
Company: CITIBANK, N.A.
State: NJ
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:
Charges on my Citibank credit card in the amount of XXXX which were posted on XX/XX/2022. 
I reported the charges as fraudulent within XXXX hrs and was given a case number. 

I received letter notification on XX/XX/2022 that disputed transaction was at a chip enabled reader and therefore not considered fraudulent since the card was in my possession at all times. 
The transaction occurred in a different state and after my own investigation the company in question is an apartment building and not a brick and mortar store. 
In addition I have never used this card for purchases as it was obtained for a XXXX transfer. 
Included below is the picture of address of the supposed business the card was used. 

I need help getting this 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 monetary relief
Consumer complaint received 2018-12-15
Company: SYNCHRONY FINANCIAL
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I am the XXXX XXXX-in-fact under a Power of  Attorney that Synchrony/XXXX  accepted. When I received instructions on sending in the POA for review, I received no further instructions about next steps, but I called today XX/XX/18, to obtain online account access to the credit card account, thus enabling me to watch, oversee and manage the account, as necessary. Indeed, it is necessary because the principal has XXXX and lives 150 miles away from me. I need the ability to monitor spending and payments and, if it becomes necessary, to lower her limit or close the account. 

My name and status as POA was put on the principal 's credit card account ( s ), as requested some time in late XX/XX/2018. However, Synchony/XXXX is unable to provide me with online access bc the dual authentication process sends the principal a code to proceed with registration. Sending a code to the principal does not help me obtain online access since I am 150 miles away and she has XXXX. I am not able to change the address or phone number on the account via phone, which is another way I could get the dual authentication needed for me to access the account.

The POA grants me full authority over the account. By its terms, I can close, open, modify the accounts of the principal. But, Synchony/XXXX  won't give me online access to the account activity and maintenance features unless I write by snail mail to some Verification of Documentation department and enclose the POA - which I  already gave them and they approved within the last 30 days - asking for a change of address or phone number just so I can get online access to the account. And, it is not at all clear that such a tactic would work. 

Are you XXXX kidding me? This is contrary to the intent and authority of the POA. 
It defeats the purpose of the POA. Further, Synchony/XXXX   would rather that I use the POA to close the account than give me online oversight of her usage? How is this legal?

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 2021-06-26
Company: Conduent Incorporated
State: FL
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Unexpected or other fees

Complaint:
On XX/XX/2021 I logged into my Way2Go child support card and noticed a fraudulent transaction out of XXXX California for the amount of {$3.00} used on XX/XX/2021. I immediately called Way2Go customer service and filed a dispute and ordered a replacement card, and notified Way2Go customer service that I have never been to California nor do I know anybody in California nor have I purchased anything in California. So much to my disbelief, I logged into my account and saw that the same company attempted to use my card again on XX/XX/2021, and even more devastating they used my card AGAIN on XX/XX/2021 multiple times also in XXXX California totaling over {$63.00}! Extremely frustrated I called Way2Go over and over demanding answer how a card that I reported weeks earlier keeps on being used over and over in a state on the other side of the country than me! I never got answers but I got a dispute packet and I filed a police report. On XX/XX/2021, Way2Go had the audacity to deny my claim as fraud and refused to refund any of my money. I called the police in XXXX California and the police there found the actual video surveillance of the criminals that were fraudulently using my card information at XXXX! I then contacted Way2Go with this breaking evidence and they refused to reopen my case or refund my money. I will be getting lawyers involved over this!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Over the past ( 5 ) five years Capital One financial had managed to snap of 90 % of my Store Brand credit cards i.e XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, etc. account as the credit card provider merchant. Without full disclosure had changes terms and agreements, payments due dates and posting timelines. Captial One is now engaging in the late posting payment games charging late fees, and forcing the consumer to pay a higher minimun payment amount due on the next billing cylce. Prior to Capital One now becoming a monoloply on merchant serivces I had filed several complaint with CFPB about Capital One very same practices over ( 8 ) years ago. 

Therefore, I am once again reaching out to my Federal government and asking for consumer protection from one company taking possession of multiple Store Brand card services and engaging in deceptive billing practices to generate more funds to buy up more companies.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-03
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: 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 USC 1681. 

XXXX XXXX XXXX : # XXXX has 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 or 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 response to consumer: Closed with explanation
Consumer complaint received 2023-06-06
Company: EQUIFAX, INC.
State: WA
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:
While reviewing an updated copy of my credit report, I discovered that some of my credit references are not included but have been reported and verified. Please reinvestigate and send me the credit history as evidenced by the attached letter from the merchant to my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-03
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX  Accounts : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX USA has Violated my rights. 

15 U.S.C 1681 section 602 A. States i have the rights to privacy.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-08
Company: Gatestone & Co. International Inc.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Gatestone company has been trying to collect a debt on behalf of XXXX XXXX. They call at least 9 times a day. 4-5 times on my home phone and 4-5 times on my cell phone. They call before XXXX  XXXX  and after XXXX   XXXX. They call on weekends and holidays. They called at XXXX  XXXX  on XXXX XXXX XXXX. I have asked them to stop  calling me, that I have disputed the amount of the debt, that I worked it out with XXXX and am on a payment plan and they do not stop calling. The last person to call was XXXX XXXX. She refused to listen to me in any way. The men who call are abusive and shout at me. As soon as I block one number, they call from another number. This is so abusive. This needs to stop.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-30
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: Information belongs to someone else

Complaint:
I believe that I have been a victim of identity theft. Please removed the accounts in the attached dispute letter.

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 2021-06-26
Company: CCS Financial Services, Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I was a victim of identity theft as a result of being homeless and did not have a physical address in 2013. Numerous accounts were open without my permission. The creditors call and harass me daily for debt. I explained that those debts were not mine. They sent me incomplete billing info with inaccuracies. I was also told by the credit bureaus that my personal data was breached from the credit bureaus and I am still fighting that. I hired a credit repair company to help me with these disputes, as I am new to this. They are not cooperating and stated that they are willing to take a settlement. I don't know what else to do so I am finally coming to you guys for some guidance please.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-07
Company: Ashton & Weinberg, Inc.
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
A year ago I dealt with a scammer that got me to open a bank account and then proceeded to try to commit fraud using my account. My account was locked and I notified the bank of the fraud but was told that I would have to wait for them to contact me. I started getting calls from a woman named XXXX XXXX who claimed that she was from the fraud prevention department of XXXX. I finally got the call from her instead of it going to voicemail on XX/XX/XXXX. She claimed that if I didn't pay them {$500.00} that they would press criminal charges and I would go to jail. So I ended up paying them using my rent money because I didn't want to go to jail for being duped by a stranger. Come to find out they were actually from a debt collection agency called Ashton and Weinburg Inc and not who they claimed at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-04
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
THERE IS ANOTHER FRAUDULENT ACCOUNT AND INQUIRIES ON MY CREDIT REPORTS THAT NEED TO BE REMOVED IMMEDIATELY

Company response to consumer: Closed with explanation