BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-07-29
Company: Continental Finance Company, LLC
State: GA
Product: Debt collection
Sub-product: Credit card 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:
I 've made a few payments for this debt after they threatened to deliver a subpoena for a lawsuit. The debt is valid but when I tried to find identifying information about the debt collector, I was unable to. They have been very aggressive with phone calls and threats. I believe this company does not own the debt nor are they authorized to collect. Their web site XXXX is currently inactive and parked by XXXX. I have not received any replies to my email messages either. I believe they are using SMTP spoofing to send me messages I ca n't reply to. The only information I have for them is mail address and XXXX phone numbers, but they are registered to other companies. XXXX and XXXX are the numbers I know of for them. My contact there is XXXX but he did not provide a last name or alternate contacts. XXXX XXXX is an ambiguous name. The only company. I found as XXXX XXXX or XXXX XXXX XXXX has filed for bankruptcy and is no longer in business. Business directories show the business as an investment firm, not a collection agency. It is my firm belief that this company is scamming people out of their money. I have not received any mail from them, either. Please advise.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-10
Company: Netspend Corporation
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
On XX/XX/2018 I received in the mail, a XXXX prepaid XXXX in my name that I didn't order or apply for. When I tried calling to speak to a person I was unable to do so without entering my social security number and I wasn't going to do that because I didn't order the card. I just want to make sure there's no fraudulent activity going on in my name

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 2018-01-08
Company: Experian Information Solutions 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:
This account was disputed with " Experian and XXXX XXXX XXXX XXXX XXXX '', a letter requesting its validation with a 30 days compliance reply requested by mail and send via certify letter on XXXX/XXXX/XXXX with No answer I further remind that, as in XXXX XXXX XXXX Experian Corp., No. XXXX ( XXXX XXXX XXXX, XXXX ), may be liable for your willful non-compliance. XXXX XXXX Bank Acct # XXXX 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act Experian still have this account in my credit report after failing to comply with a 30 notice to comply with the law.Fair Credit Reporting Act

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 2022-08-26
Company: EQUIFAX, INC.
State: MN
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:
Hi I am submitting this XXXX XXXX without any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXXXXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-07
Company: EQUIFAX, 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:
On XX/XX/XXXX my lease account with XXXX XXXX in XXXX XXXX was paid in full. On XX/XX/XXXX the account was shown in the credit report with " Collection '' status and indicating missing payments on XX/XX/XXXX and XX/XX/XXXX. Letters and personal handling of the payment in full documentation was provided to XXXX XXXX with their response indicating that the corrections will be performed. 

On XX/XX/XXXX during the purchase of a new car, the credit report on Equifax still indicates the account on the same status : Collection and with missing payments on XX/XX/XXXX and XX/XX/XXXX. Communications were made again with XXXX XXXX with the same indication that the situation will be corrected. The interest paid to have the car were higher that the average due to this report. 

A new credit report was received from Equifax, with this account on the same status. A call with XXXX XXXX was performed today, XX/XX/XXXX, with XXXX XXXX at XXXX from XXXX XXXX and her indication was that they have the documentation that was provided on XX/XX/XXXX, but no correction was made.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-26
Company: Experian Information Solutions Inc.
State: MN
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:
Hi I am submitting this XXXX XXXX without any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE

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 2022-01-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Bank of america suspended my account but they took out the money owed them but won't give me my money. I want to close my account so they can return my XXXX dollars they have of mine my account number is XXXX its my savings account My name is 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 monetary relief
Consumer complaint received 2017-07-29
Company: NAVY FEDERAL CREDIT UNION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
Timeline of Events for Unauthorized Credit Card Navy Federal Credit Union Access # XXXX Account # XXXX Opened XX/XX/XXXX Two credit cards were opened ; one for XXXX XXXX the other for XXXX XXXX XXXX XXXX was designated as Primary ; XXXX XXXX was designated as Secondary all under the same account These credit cards were Visa Signature Rewards Cards Neither card was signed for by XXXX XXXX ( believe this was opened electronically and digitally ) XXXX XXXX never once was in possession of either card nor made any transaction with any credit card Payments were made periodically for approximately 9 months while XXXX XXXX and XXXX XXXX were living together Living location was XXXX XXXX XXXX XXXX . XXXX XXXX, Virginia XXXX Account went delinquent approximately XX/XX/XXXX XXXX XXXX upon realizing account was in his name files a police report for fraud with the XXXX Police Department Economics Crime Unit approximately XX/XX/XXXX XXXX XXXX also signs an Affidavit of credit card fraud and mails to Navy Federal Credit Union approximately XX/XX/XXXX. Navy Federal Credit Union Fraud department receives Affidavit and police report and conducts investigation XX/XX/XXXX Navy Federal Credit Union responds to XXXX XXXX with a rejection XXXX XXXX claim of fraud stating that credit card was opened almost a year ago and XXXX XXXX was well aware of all the charges since investigation traced back all to same address and that XXXX XXXX had signed on to his account countless times and only notified Navy Fed when card went delinquent. Essentially Navy Federal couldnt accept incognizance of XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-29
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: PA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem with the payoff process at the end of the loan

Complaint:
In XXXX of XXXX Santander Bank froze my loans after I received two checks from fema. I then had to switch to a new bank and requested payoff statements from XXXX XXXX. She provided these with {$0.00} listed as the satisfaction fee. My new bank then paid off the amount using the new loans. Flash forward to XXXX, XX/XX/XXXX. I realize I never received a payoff statement during another round of fema. I tried to deal with this with Santander but they informed me I owed a satisfaction fee which they took out of my new bank 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 explanation
Consumer complaint received 2019-04-29
Company: EQUIFAX, 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:
To Whomever This May Concern : My name is XXXX XXXX. My first issue is that my name needs to be updated on my credit reports due to marriage and any other known names on my report should be removed. I have called XXXX, XXXX, and Equifax multiple times and it is extremely irritating to be passed around to multiple departments to speak with a human. I need my employers disputed and removed off of my report for all bureaus. I need all addresses to be removed off of my report other than the one that I just updated and that shows on my drivers license that is attached and my utility bill. I need all inquiries removed and/or disputed from my report please. I do not have a car in my name and I haven't applied for one in quite awhile. I do not and I have not ever had a car loan in my name with XXXX XXXX XXXX, XXXX XXXX XXXX, or XXXX. I do not owe XXXX any money that is being reflected by XXXX XXXX XXXX. I do not, nor have I ever had an account with XXXX XXXX. Any inquiries on my reports should be removed because I haven't applied for anything. All I would like is for these items to be removed. I also do not have a bankruptcy and I haven't filed. I would like those removed as well. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-28
Company: EQUIFAX, INC.
State: GA
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:
I have endeavored on several occasions to reconcile these errors to no avail. I recently obtained correspondence from XXXX XXXX that supports my claim. XXXX, XXXX and Equifax insist on reporting these inaccurate inquiries indeed. Litigation will now surely follow, because I have proof now.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-07
Company: Midwest Recovery Systems
State: MT
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 filed report on company once before. Then I received notice from my credit monitoring that I have a derogatory item on my report. I called XXXX  and they said I have to pay {$99.00} to get it fixed. I then contacted the company that gave me payday loan and I have not heard back. They are reporting u owe {$850.00} when I have paid {$650.00} and I have receipts plus I tried to make final arrangements for remaining amount and they refused to work with me. I got loan on XX/XX/XXXX in XXXX and I dont owe them {$850.00}!!! In XXXX theyre were threatening me with jail so I sent them a letter asking them to stop contacting me! Very nasty company with horrible collection practices! Theyre now back at it and I need some help please! 
Emails I have sent XXXX. 

Okay I will call to settle my account. State law for Montana only allows a cap of 32 % interest for payday loans. Additionally the harassment of calls on XX/XX/XXXX broke state and federal laws. Please keep the interest cap in mind as we negotiate the final payment when I have already paid {$220.00} on a {$500.00} loan. I think a fair payment offer is in order. Look forward to a productive call with no games. 

Thank you, XXXX XXXX XXXX, and XXXX XXXX XXXX, I'm making contact again to find the out the address to send final payment for a payday loan issued on XX/XX/XXXX for {$500.00}. I have made a payment of {$220.00} already leaving a balnce of {$270.00}. With the reasonable interest rate of .36 % allowed by my State of Mt and remaining balance I agree to make a final payment of {$370.00}. Please send me the address of where I need to send final payment. Thank you! 



Under Montana law, deferred deposit ( payday ) lenders may charge fees equaling one-fourth of the loan, which, as an annual interest rate could range from 300 percent to 650 percent. Title lenders may charge similar interest rates. I-164 reduces the interest, fees, and charges that payday lenders, title lenders, retail installment lenders, and consumer loan licensees may charge to an annual interest rate of 36 percent. It prohibits businesses from structuring other transactions to avoid the rate limit. It also revises statutes applicable to pawn brokers and junk dealers. 

Sent XX/XX/XXXX by XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX , MT XXXX Remove my routing and account number from your records! How sneaky trying to pull funds under red leaf ventures instead of red leaf lending! This is fraud and unethical I'm reporting your company to my State attorney generals office again with a phone call XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-15
Company: EQUIFAX, INC.
State: VA
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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXXy XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-15
Company: Chime Financial Inc
State: TN
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
MY ACCOUNT WAS CLOSED BY CHIME XXXX XXXX I WAS ADVISED TO SEND DOCUMENTATION TO BE FURTHERED ASSISTED IN RETRIEVING MY FUNDS FROM THAT CLOSED ACCOUNT ( I SENT EVERYTHING THEY ASKED { FULLY IN COMPLIANCE WITH A CHIME MEMBERS GUIDELINES } I HAVE BEEN IGNORED AND I HAVE RECEIVED NO EXPLANATION OR RESOLUTION FOR ME OBTAINING MY FUNDS I HAVE MADE MANY DESPERATE CALLS FOR HELP NO ONE HAS DONE ABSOLUTELY ANYTHING TO HELP MY SITUATION MY ACCOUNT CONTAINS ( {$1500.00} ) OF MY HARD EARN MONEY AND I WANT ACCESS TO IT IMMEDIATELY I AM GETTING ADVICE FROM LAWYERS AND MAKING POLICE REPORTS BECAUSE CHIME IS TRYING TO STEAL MY MONEY I AM FACING EVICTION WITH A SICK CHILD ( I WILL HAVE A NEWS STATION TO COVER MY STORY ) I HAVE EXPLAINED THAT TO CHIME MEMBER SERVICES AND I STILL RECEIVED NO SENSE OF URGENCY OF CARE FOR MY FAMILY CHIME MEMBER SERVICES HAS COMPLETELY STOP RESPONDING TO MY EMAILS AND ALSO HAS BLOCKED NUMBERS I HAVE ACCESSED THEM ON CHIME HAS CAUSED ME SURE STRESS AND CAHOS IN MY LIFE IT HAS BEEN OVER 10 DAYS & I HAVE NO IDEA WHY I DO NOT HAVE ACCESS TO MY MONEY I AM COMPLETELY HOPELESS ANE NEED HELP ASLO, STRIDE BANK N. A. ( MEMBER SERVICE DEPT ) COMPLETELY UNDERMINE ME AS A PERSON ( WAS TREATED VERY RUDE ) THIS IS ONE OF THE WORSE EXPERIENCES IN MY LIFE ITS HIGHLY POSSIBLE I COULD BE XXXX SOON I AM IN DESPERATE NEED OF HELP AND CHIME MEMBER SERVICES ARE TO BLAME AND THEY HAVE NO SYMPATHY WHATSOEVER

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-09
Company: Collins & Hilton Asset Group, LLC
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: Information belongs to someone else

Complaint:
An account in my name was referred to a 3rd party collection agency. I presented the company with a police report, and a FTC complaint, and now I'm filing a report with the CFPB because it has yet to be handled. 
I advised the address they have on file is not an address I'm familiar with. I provided a copy of my License as well, and I still got no response. 
.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I May or may not be part of the XXXX credit information hack. I can not be certain since its been shown reliably that the XXXX  verification tool is giving out bogus information. And therefore now have to take proactive steps to ensure i 'm safe. I find it unacceptable that I have to PAY to freeze my credit when I did n't consent to my information being stored by XXXX, XXXX, or TransUnion in the first place. Congress should make credit freezes and unfreezes free federally. Credit reporting agencies already make money off of my information, without my consent and I should not be required to pay them additional money to protect my information, Especially when companies like Trans union have in the last week redesigned their website to promote a " credit monitoring '' Service instead of linking directly to a credit freeze application. Thees " bureaus '' are doing a POOR job of protecting my information, then want me to pay them to protect it, FROM THEM The sheer hubris of this in light of the failures by negligence of their actions in the first place is astounding.. Thank you for taking time to read my complaint.

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