BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-09
Company: BANKERS HEALTHCARE GROUP LLC
State: NV
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
I obtained a loan designated as a personal loan for business purposes in 2021 from BHG but was not provided with final loan documents, nor monthly statements. I do not know how much is left on my loans, what interest has been paid, or any other information because I have never received monthly statements nor access to an electronic version of my statements.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-09
Company: Upgrade, Inc.
State: AL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
My XXXX score has improved considerably but my requests to lower interest rate has never been answered. Poor customer care to not even respond. 

Ive asked to change the checking account for withdrawal many times over the past 2 years. Again, very poor customer care to not even send me an email. Any correspondence is flagrant and disrespectful. I consider this company fraudulent because their tv ads are filled with lies about their customer care.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-26
Company: Netspend Corporation
State: NM
Product: Prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble getting information about the card

Complaint:
I have had a Paypal account that included a debit card for use in transactions for selling the jewelry I create and sell. Having cash that I wanted to place into my account, I purchased another prepaid card at a XXXX XXXX XXXX ( XXXX ) in XXXX, NM on XX/XX/2023. The card was loaded with {$100.00} plus the additional {$4.00} # # fee. I assumed the process would be fairly simple, but found it to be tremendously impossible. I downloaded the app as instructed and provided the information needed. Whether on the app or online, the processing never goes beyond the entry of the last four numbers of the social security card number. 

I called and in several attempts may have had the card activated, but little to no information effectively shared via app or website. I am a savvy individual and up to speed with technology. I am a professor at a university and this is like nothing I have experienced before.

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 2023-09-23
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have previously disputed with XXXX, XXXX and XXXX regarding several accounts which I found inaccurate. Up to date, I have received no response nor proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non compliant with the FCRA. These erroneous reports badly hurt my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-08
Company: Evans & Mullinix, PA
State: MO
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
Collection Attorney for Nebraska XXXX XXXX XXXX XXXX XXXX XXXX demanded contact information for my XXXX  XXXX and then called him and disclosed information about the debt. Violated Fair Credit Collection act by disclosing information to a 3rd party

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-25
Company: LEXISNEXIS
State: TX
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 certify that I am permitted by federal and state law to file this dispute. I also understand that knowing and willful misstatements are punishable as pejury under U.S.C 1621.This item found within my credit report is not related to any transaction that I made. I am alleging that a person or company without my authorization used my personal identifying information to apply for goods, services, or money ; and was succesful increating this account. 
This debt collector is in violation for putting this unknown account on my credit report. 
This has caused me to suffer and its defamtion of my character

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-09
Company: T.S. Holdings
State: NV
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have contacted this agency multiple times about a debt from an apartment complex that I moved out of earlier this year. I called that apartment complex numerous times trying to get information about any move out costs, and they continually told me they didnt have the information. I later received a phone call from Iq Data collections and they informed me of the charges in their office over the phone. I told them I never received any written notification from the apartment complex or Iq Data with a list of the individual charges. The operator on the first phone call told me I needed to send an email to XXXX to request the information I needed to dispute the claim. She also told me they had been sending information to the address of the apartment I had moved out of, despite me providing a forwarding address upon move our. It should be obvious that I would not receive mail at an address I moved out of, but I also confirmed my new mailing address. I confirmed the email multiple times. I sent five emails to the email address provided, all with no response. I spoke to another member of their team over the phone and told him I have never received any written statement of the claim so that I can formally dispute it. He again reverified that I had the correct email address and I received no response. He also said he would forward the request to a supervisor but I still have not heard back, weeks later. 

The dates of the emails are XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX all of XXXX. I have the documentation to prove that the charges the apartment complex is claiming I owe are not valid, but I am unable to get this creditor to provide me with the information to dispute their claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-09
Company: U.S. BANCORP
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint:
spoke w/CS Rep XXXX XX/XX/XXXX about XXXX XXXX : Second time I have contacted XXXX. ( Also twice had contacted XXXX of XXXX, ND. ) Received letter in mail from XXXX that my APR would be increased from 9.99 % to 14.49 % starting XX/XX/XXXX on Purchases. Reasons for bad review were four from XXXX, and, as I understand the words of the standards, all did not apply to my account. For years I have had one account, and I was now informed, 1-I have too few accounts currently paid as agreed ( I am told monthly that I only owe payments of $ 40- {$60.00}, yet I pay $ XXXX- {$400.00}. XXXX, itself, showed that all my months from XXXX XXXX to XXXX XXXX were " OK '' with this method used. ) 2-There is a lack of recent installment loan information : I do not use the credit card for any loans. It has been most heavily used for car repairs on a XXXX XXXX, which is now becoming VERY expensive junk. 3-Too many accounts with balances : XXXX said she saw only one account, XXXX, and no others. How can there be many accounts with balances, unless they belong to someone else? 4-Ratio of balances to credit limits on revolving accounts is too high : This one I was not sure of, but, since the information of XX/XX/XXXX used a credit score of XXXX, and it was used as a XXXX FICO XXXX Bankcard Risk Score, and XXXX informed me that the bad review was based on the date and version of my Credit Bureau report, and risk scores can be from 300-850, I am contesting this because XXXX gave me a credit score of XXXX on XX/XX/XXXX, which it labels as " Exceptional. '' I have had no bankruptcies, no late payments, no collections, and 100 % on-time payments, according to XXXX. Now, with this false evaluation from XXXX and XXXX, I am informed I have to wait six months for another review! That means the bank will rob me for six months!

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 2023-03-02
Company: EQUIFAX, INC.
State: TX
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:
XXXX XXXX is reporting an inaccurate charged off account on my credit reports. I have been disputing this account with the credit bureaus for some time now. This account is reporting multiple inconsistencies between each bureau. This account has different open, last active and payment dates. How are all three bureaus reporting different things if they are all getting their information validated from the same place? Surely they are not conducting a proper investigation into this account otherwise this account would not reporting very inconsistently. It is the consumer reporting agencies responsibility to report accurate information and they have failed me. I am requesting that this account is deleted from my reports now!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-09
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/2022 I reached an agreement with Columbia Debt Recovery DBA : Genesis. This agreement stated that following payment of {$11000.00}, which was made at that time, I would be absolved of responsibility for that debt in addition to the information being deleted from my credit reports. The deletion of this information was a predominant reason for remitting payment. The letter I received states it may take 3-4 weeks for the information to be updated, as of this writing it has been approximately 6 weeks and the information is still displaying on XXXX and XXXX credit reports with an amount that hasn't been updated since XXXX of this year. This failure to delete this information has caused undue hardship. I attempted to remedy this by contacting the number listed on the agreement and I was greeted by a particularly adversarial representative who first claimed the agreement didn't state a 3-4 week timeline. When I stated it did and she saw that it did, no apology was made and she abruptly asserted that they submitted information to the credit bureaus approximately a month prior. I do not believe this to be accurate as the information is both still showing on my credit report and is also grossly inaccurate. As the company did not resolve this issue at that time, I proceeded to submit disputes with the credit bureaus, unfortunately the dispute process takes an additional month prolonging the hardship caused by the companies failure to delete this information promptly.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08
Company: EQUIFAX, INC.
State: NJ
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:
There has been an apparent data breach at Equifax and according to their own sources, www.equifaxsecurity2017.com, my information may have been stolen due to their lack of security.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-09
Company: Debt Recovery Solutions, LLC
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In accordance with the fair credit reporting DEBT RECOVERY # XXXX, has violated my rights. 15 USC 1681 section 602 States I have a right to privacy, 15 USC 1681 604 A Section 2. it's also states a can't reporting agency CAN NOT furnish a account without my written instructions. 15 USC 1666B : a company can not sell or buy any debt from a third party and try to collect nor report fraudulent information, also I need anything my signature was signed to obtain any information

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-08
Company: Experian Information Solutions Inc.
State: NY
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 investigated my credit report, I realized that some of the information was erroneous. The Experian and XXXX credit bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item/account : XXXX XXXX XXXXXXXX

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 2020-08-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 sent several letters to TransUnion/ XXXX  and XXXX  inquiring about information/accounts listed on my credit report that is inaccurate. I have asked for the account/information to be verified several times via the letters I sent. I also asked that they please send me copies of the documents that you have in their files as of my last letter that they used to verify the accuracy of the accounts on my credit report. 

They have continued to send me a response stating that the accounts/information was updated and verified but have not sent any supporting documentation. 

I did not ask for anything to be updated. I asked that the inaccurate accounts/information be verified.

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 2023-09-26
Company: MIDFIRST BANK
State: AE
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
On XXXX XX/XX/2023, I opened a high yield money market savings account with Vio bank. I am a military member overseas and XXXX while convenient for military members does not have decent interest rates so I wanted a supplementary account for my accessible savings that would make more interest. I got a notice on XXXX XXXX that my account was ready to go. I funded it with a {$1000.00} transfer from my XXXX account, and when I got paid I scheduled another {$5000.00} transfer. I received an email on XXXX XX/XX/2023 that the transfers failed because " The account you are transferring to can not currently be used for transfers '' according to an email. I tried to log in but it said my log in did not work and to contact customer service. I tried to call, but since I am overseas, the time difference makes it difficult to call during their opening hours. I emailed, and they told me to call. Today I received an email that my account was closed with no explanation. I stayed up late to call the bank and try to figure out why and they said they closed it per their terms of service and would be providing no further information. I requested to speak with a supervisor and they said one would call me, and then hung up on me. While I was on the phone with customer service demanding information, I said this better not impact my flawless credit history just because they closed a bank account with no explanation. I can not imagine what could possibly be the issue other than I am a military member overseas. I have my home of record in Iowa at the house that I own and maintain a residence. We are in XXXX under orders pursuant to the XXXXXXXX XXXX XXXXXXXX. It is not like we are expats. I wanted this account so my savings could actually make some money for once but after dealing with their awful customer service, really all I want is to make sure there is nothing negative on my credit history just because they refused to let me transfer money to a bank account they approved.

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 2022-09-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 Account XXXX XXXX in the amount of {$400.00} 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 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 2023-09-26
Company: Resurgent Capital Services L.P.
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Upon trying to get XXXXXXXX XXXX cellular phone service I was informed by one of the representatives that I had accounts open in my name that I did not authorize or know anything about for over a XXXX dollars. The fraud prevention specialists then inform me to make out a police report and provide proof of my address and identification and send back to XXXX XXXX. Upon doing that I looked on my credit report and notice all types of inquirys and accounts in my name that I didnt authorize or know anything about. Someone run my credit for a car loan and put more then ten inquirys on my credit. Also I have inquirys for XXXX XXXX XXXX XXXX XXXXXXXX, and XXXX XXXX Also a account for XXXX, LVNV FUNDING LLC XXXX and XXXX XXXX that i did not authorize.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-26
Company: WESTERN ALLIANCE BANCORPORATION
State: HI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage
Sub-issue: Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure

Complaint:
Property is located in XXXX, XXXX which is a Federal Natural Disaster Zone and per order of FEMA the loan has been placed on credit suppression for 90 days. 

I have contacted Western Alliance Bank on XX/XX/XXXX, XX/XX/XXXX, XXXX & XX/XX/XXXX to request documentation to support the fact I am on credit suppression. Each request, I have been told they can not provide such documentation. On the XX/XX/XXXX call, I was advised I can request this documentation in writing with no guarantee it will be provided. On XX/XX/XXXX, I receive a letter from WAB stating my account was delinquent and will be reported negatively to the credit bureaus. 

On the XX/XX/XXXX call, I was advised my loan was assigned to the loss mitigation department as of XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-14
Company: Paypal Holdings, Inc
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
I discovered unauthorized transactions posted to my PayPal account on the morning of XX/XX/2021. There were two ( 2 ) transactions, one in the amount of {$100.00}, and a second in the amount of {$700.00}, made to the same party. These were in the form of a direct ACH transfer from the checking account connected to my PayPal account. I promptly reported these unauthorized transactions to PayPal using their reporting mechanism on the same day. PayPal replied within a few hours with a message stating : " We've completed our review of your unauthorized activity case, and weve determined there was no unauthorized use. Based on our review, we found this transaction is consistent with your PayPal payment history. '' I immediately followed up by replying to the email address specified for submitting appeals, and have not received a response. I would also like to note that PayPal always sends a confirmation email after each transaction. I received no such emails for these transactions. I also have multi-factor authentication enabled for my account and use best practices for passwords. These facts lead me to believe that this fraud occurred from WITHIN PayPal.

Company response to consumer: Closed with explanation