BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-19
Company: Newport Intermediate Inc.
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
Got a prepaid credit card / XXXX  for doing survey But. Everytime input deatails. The card is blocked by the merchant The company keeps saying it is blocked wait 2 to 3 business days then try again. 
Spoke XXXX when tryed add to there systerm And have contacted company lots of times and they just say its blocked Hello XXXX, Here is the Verification Code you need to confirm your identity and access your funds.to XXXX XXXX  : XXXX Under XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX Tryed lots companys and all say XXXX  use it

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-08
Company: Paypal Holdings, Inc
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
XX/XX/2020 I was granted a return shipping cost as I returned items to merchant in order to receive a refund. I provided the receipt showing amount cost to ship and tracking number. I'm told I cant get refund because tracking is invalid. Now I'm denied refund as they not only keeping the items but keeping {$48.00} as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-13
Company: EVERBANK, NATIONAL ASSOCIATION
State: MA
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Closing an account
Sub-issue: Fees charged for closing account

Complaint:
I opened a number of CDs with EverBank on XXXX XXXX, 2017. I did this by phone with an EverBank rep, laddering the CDs for one year through five year maturities. 

Recently I inquired by phone about early withdrawal fees on these CDs. The rep told me that I would have to pay 25 % percent of the interest I would have earned over the full length of the CDs, even though the products are only three months old. 

This means that I would have to pay a substantial amount of my principal to the bank. I was never told about this when talking to the initial rep. This smacks of robbery and is totally inappropriate. Other banks in which I hold CDs will usually take back a portion of the interest already earned, not 25 % of all future interest. 

I could not find this penalty in their Web advertising which I will be attaching. 

I have to say that I am shocked that TIAA, a very respected organization to help teachers and professionals to plan for their retirement, would be associated with this bank. Their policies which they do not discuss on their Web site are cheating consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-07
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
On my credit report shows a bunch of names for me. I was told by each credit check company all names would be removed except XXXX XXXX & XXXX XXXX XXXX. Any other names like XXXX or XXXX or last name being spelled wrong was suppose to come off my file. I'm hoping to get all this fixed up on credit file. Thank you.

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 2023-04-03
Company: KP ASSET CONSULTING LLC
State: CA
Product: Debt collection
Sub-product: Payday loan debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
XX/XX/2023 spoke with KP asset consulting for a claim from XXXX XXXX, the representative claimed to be a federal agent. Also on this date and many others KP asset consulting has called and harassed my sister, mother and neighbors, from their location specialist who goes by XXXX.

Company response to consumer: Untimely response
Consumer complaint received 2019-11-07
Company: EQUIFAX, 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: Personal information incorrect

Complaint:
On my credit report shows a bunch of names for me. I was told by each credit check company all names would be removed except XXXX XXXX & XXXX XXXX XXXX. Any other names like XXXX or XXXX or last name being spelled wrong was suppose to come off my file. I'm hoping to get all this fixed up on credit file. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-15
Company: Experian Information Solutions Inc.
State: NC
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX  XXXX Balance : {$520.00} XXXX XXXX XXXX Balance : {$520.00} XXXX XXXX XXXX Balance : {$520.00}

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 2021-12-18
Company: EQUIFAX, 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:
i am a victim of identity thief. XXXX XXXX XXXX has fraudulently accounts on my credit profile that need to be removed immediately. 

XXXX XXXX XXXX aswell

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-03
Company: Experian Information Solutions Inc.
State: MS
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 payed of my car loan with XXXX XXXX on XXXX XX/XX/2020. I have called XXXX XXXX only to be hung up on three time. After I talk to a phone agent. I her about have issues with XXXX XXXX not reporting to credit bureau twice in the pass. I got a call today XX/XX/2020 and explained that I payed of this account and Im buying a new car. I ask if they would please report account pay. Well she told due to covic it will take some time. I explained this problem had been on going since I purchased the car. I need XXXX wto report my account pay. 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 2023-07-18
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
Experian has a wrong address on my credit report. I never resided at XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX. All other reporting agencies have the correct address on file.

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 2021-12-18
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:
My Auto loan for my financed XXXX XXXX XXXX XXXX was sold outright and was paid in full on XX/XX/XXXX, and a paid-in-full letter was obtained by the lienholder ( XXXX ) on XX/XX/XXXX XXXX evidence the payoff on this account. 

Currently, this account is still showing a balance on my credit reports from XXXX, Transunion and XXXX. This is in violation of the Federal Credit Reporting Act, because the information reported by all three bureaus is misleading by perception, supported by 15 U.S.C. 1681. 

Email address : XXXX Mailing address : 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 2020-07-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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: Was not notified of investigation status or results

Complaint:
I was trying to buy my first vehicle and the salesman pulled my credit and told me that my credit was pretty bad for the amount I was trying to get approved for I asked him what was the problem with credit and he showed me my report. These are many derogatory items that do not belong to me. Please remove these items from my account. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX, XXXX XXXX, XXXX, XXXX, DEPTEDXXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX Company Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPT OF ED 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 explanation
Consumer complaint received 2019-11-07
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
3 months ago in XX/XX/2019, I was notified by USAA that I needed to update my W-9 information. They also threatened that if I did not, they may withold taxes on interest. I have been with the bank for over 40 years and they have that information already. Nonetheless, I called the bank and informed them that I was not subject to IRS witholding and therefor, according to everything I read, was not required to furnish any W-9 info or updates. The agent said that I did not have to sign the form if I did not want to. I said I would not as it is not necessary or required by law ( from what I understand ). She agreed. When I tried to log on last week ( XX/XX/19 ) or so, I was stopped by a pop-up requiring me to sign a W-9 or could not proceed. I finally went thru the maze of document finding and signed it to avoid further complications. When I finally got to my account I noticed USAA had already witheld {$.00} taxes from my measly {$.00} interest gained in my checking account. I do not believe this is legal, as do thousands of other USAA customers complaining on the USAA forum site ( also where I left comment last XXXX ). I would like to get a formal ruling on this as USAA seems to be abusing it's autority with it's customers. Perhaps they have had a security breach, lost customer W-9 's, or info therin, and they are covering it up with this story ... .there are many theories on the forum.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-23
Company: Experian Information Solutions Inc.
State: NC
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 have asked for verification documents including the original signed contract, dates the account was open/closed and deatiled fees and interest charges. I have not received anything pertaining this matter.

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 2023-07-18
Company: U.S. BANCORP
State: MO
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
on the XXXX separate mobile deposits I did, the checks I deposited were covered from my XXXX check that deposited into my account XXXX hours after my atm deposit. I was charged XXXX NSF fees, the total amount of the checks which were almost XXXX dollars, and this is what this complaint is about. My XXXX covered the checks hours after I did the atm deposit. so, I was never negative also, I should have never been charged NSF fees on the checks. I had anywhere between XXXX NSF fees XXXX So, the ONLY resolution to this is for US Bank to reimburse my NSF fees I was charged and the almost XXXX dollars for the checks. They did give me a partial credit but I'm still without money because of their due diligence.

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 2023-07-18
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
I logged into my XXXX XXXX mobile app and found three unauthorized transactions pending on my account. All pending from today ( XX/XX/23 ) of {$200.00}, {$200.00} and {$50.00} all from MoneyGram. They were sent through my MoneyGram app to XXXX and to a person I never heard of. It was funded directly from my checking account. Typically, I only send funds to my family in XXXX using my debit card but these transactions were done to a different country, using a different funding source and to a brand new recipient. Even with numerous failed attempts ( confirmed in the transaction history on the money gram app ) MoneyGram did nothing to alert me of these suspicious transactions. They failed me as a consumer. Instead of protecting their customers, they allowed the transactions to be processed but then cancelled my Mobile Banking account and not offer me a reimbursement after I filed a fraud claim. They have restricted my access to my transaction history to document this fraudulent activity. All they did was log my complaint. Im left being responsible for these unauthorized transactions. In order for me to obtain any more information on this matter from MoneyGram, I need to have law enforcement make the request through a subpoena, making it difficult for any consumer to resolve. We know how difficult it is for law enforcement to obtain a subpoena, especially when there isnt a suspect involved. Essentially, they are keeping all information, perpetuated by the fraudster, from me, the victim, while leaving to absorb the loss. All I was able to do was file a claim with my bank and with Money Gram to dispute the transactions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with balance transfer

Complaint:
I requested and received a balance transfer on my Capital One Visa card in XXXX, 2022. It was for 1 year 0 % interest. Unlike other credit card companies, such as XXXX, XXXX, etc, This company does not show the date of the end of the promotion period on their statements, I feel this is an attempt to have you forget that on a certain date, you will be paying interest. This happened to me this month, and I now owe an additional {$300.00} in interest. I called and spoke with a manager but was told I was out of luck. I am now paying the card off, but I would have paid it off last month had it shown or reminded me on the statement that my promotion period was up. I feel this is intentionally done in hopes you will not realize that your interest free period is up. Unless you remember when it is, you will get hit with the interest because there is never anything in writing regarding the end date except for when you sign up, long ago. They should be required to show the expiration date of the promotion on their statements!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-24
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: Old information reappears or never goes away

Complaint:
Around XXXX, XXXX, XXXX, and XXXX of XXXX, I have been trying to dispute the incorrect information from my credit report. I have also sent a big envelope with reporting documents informing them that this account isn't ' mine The documents showed everything that XXXX XXXX had given to ( XXXX XXXX XXXX ) XXXX XXXX had violated my medical rights by sending my XXXX records to this person. I will be sending you all everything that I have and was sent to me and proof I don't own this bill.

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 2017-12-13
Company: Bread Financial Holdings, Inc.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
XXXX from prelegal office for covering XXXX XXXX has called SEVERAL TIMES. Every time he has stated we have to call back by end of business today and in addition when he talked to my husband he told my husband that they were going to garnish his wages, and seize his vehicles. There was never a lawsuit filed. We have NOT received anything via Mail, just harassing phone calls. I called him back and he told me it was a recorded line and I asked him if he had a judgement and he said no I told him that he has not sued us and he can not threaten us like this and he preceded to talk over me and told me to visit their website.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-15
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information is incorrect

Complaint:
XXXX XXXX opened XXXX Account shows Im authorized user. I have no knowledge of this account. 

XXXX XXXX XXXX In accordance with the Fair Credit Reporting act 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. 
XXXX XXXX XXXX This account has the wrong account balance. 
XXXX XXXX XXXX I have no knowledge of this account

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 2023-07-21
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
the company emailed me. enclosed a complete detail of what i owe with my personal information. they also identified themselves as a collection 's agency saying i owe them. this is 3rd party disclosure as they did not use any level of security identification processes at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-20
Company: Receivables Management Partners, LLC
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:
Inquiries I did not authorize XXXX XXXX  on XXXX XXXX XXXX XXXX on XXXX XXXX XXXX XXXX  on XXXX XXXX on XXXX and also on XXXX Collection acct to RPM  services LLC on XXXX Is not mine XXXX XXXX XXXX XXXX. Not mine. 
I have contacted these creditors and was informed to contact credit bureau which I have done and disputed these. XXXX informed me to make a report w CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-23
Company: Experian Information Solutions Inc.
State: MA
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 was laid off from work due to COVID-19 find out my XXXX and XXXX pmt are late. I call Im they tell me payments were applied incorrectly. I cal back again in XXXX was advised of the same thing and everything would fall into place and be on time so I make my XXXX payment and its reported 30 days late after I was advised when making the payment it would be on time and not reported late. This is been going on for XXXX I call and I get we will call you back and no response. Now Im 3 months late on my account when I was advised everything would be XXXX and pmts would not be late

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 2021-10-06
Company: Experian Information Solutions Inc.
State: PA
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:
Ive been sending letters to the bureaus about incorrect reporting and nothing has changed they state they cant fix it however inaccurate information is being reported ( XXXX experian and XXXX report different on multiple accounts Highlighted in the yellow are XXXX highlighted in the orange are Experian highlighted in the pink is XXXX. 
Accounts are different, date opened are different. Balances are different, credit limits are different past due amounts are different, comments are different, date last active are different, date of last payments are different, there are charge offs with balance amounts, balance amounts are different, my name is different even after sending documents nothing has been updated or corrected Under the law 609 FCRA it states everything must be validated and reported correctly this hasnt happened. Please review exhibits A-V all inaccurate reporting each bureau reports something different.

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