BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-01-28
Company: CITIBANK, N.A.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have sent multiple correspondence with this company Citi sent by certified mail, in order to verify an alleged debt in the amount of XXXX. The company sent a confirmation that they received my dispute on XX/XX/2017. It has been over 30 Days with no response and by law they have 30 Days to respond and if they do not they are required to remove it from my credit profile.

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 2017-09-08
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:
Both my wife and I and all are credit information, SS #, address, emails, etc were hacked due to Equifax 's poor security. They waited a month and a half to come forward. Their executives also sold stock and gained financial profit do to insider trading before the companies stock crashed when the breach was exsposed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-12
Company: EQUIFAX, INC.
State: GA
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 reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX XXXXXXXX XXXX XXXXhas 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 2020-12-22
Company: Paypal Holdings, Inc
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
I would refer to the attached documentation, when able, as I have been as thorough as possible. 

Even after being as diligent as possible in preparing this complaint, however, I realized I had missed several emails in regards to the dispute involving an unauthorized withdrawal to the PayPal Giving Fund. Thus, I want to make very clear -- I am very confused and very frustrated with the actions of the relevant parties, which provide the basis for this complaint. I have not received even a semi-plausible explanation for how my authorization to donate {$1.00} to a world hunger organization resulted in {$48.00} being deducted from my checking account, during a span of time I needed it most. 

I have been given different, and conflicting, and arguably suspect, explanations by various representatives of PayPal and, at this point, I am honestly disgusted. Their reputation as far as credibility is non-existent to me as of the date of this letter, although I have been a long-time, loyal, and responsible consumer. 

As far as who ended up with, and still possesses, my money -- I just don't know. I realized just earlier today that the dispute I opened re the transaction is apparently with the PayPal Giving Fund. I fail to understand how PayPal is unable to resolve a conflict with their own ... with someone associated with their own company 's name. 

On XXXX/XXXX/2020, a PayPal customer service representative blamed XXXX for the THEFT. On XXXX/XXXX/2020, a credible and extremely helpful XXXX representative dispelled that falsehood. 

Yesterday, I had my most disappointing, and arguably disturbing, communication with PayPal CS yet. After giving me the run-around for over 10 minutes, this representative insisted {$48.00} was deducted because I had a negative balance in my PayPal account of {$37.00}, due to the XX/XX/2020 XXXX  payment apparently never being fulfilled. 

It is very difficult to provide a complete documentation of all relevant facts, dates, amounts, etc., when the very individuals who claim, who are employed, to " serve '' or help the consumer, are dishonest and/or opaque. The long wait times, and wondering, like yesterday, if a supervisor was actually even available or would ever come to the phone do not help.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-18
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: Information belongs to someone else

Complaint:
I was checking my credit report and I saw that my credit score is low. I don't understand why you put this information on my account. I'm shocked! What do I have to do right 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 2021-11-11
Company: HUNTINGTON NATIONAL BANK, THE
State: MA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
They were supposed to remove a few late payments after so much time had passed. They refunded the fees, but the derogatory status still remains. Its been two years and four months with no late payment since.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-28
Company: EQUIFAX, INC.
State: MO
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:
There were several account s from the same company " XXXX '' on my credit report that do not belong to me. I have already disputed them have already filed a complaint about their so called investigation. Results of the complaint was that the accounts were deleted from my credit report. All have been except one. When I called Equifax about it I was told that I would have to dispute it. Which I already have. I received a letter from Equifax claiming they verified the account. They can not verify an account as mine when it is not mine.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-09
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
There are currently numerous inquiries listed on my credit report that I have no knowledge of. These inquiries were not authorized or initiated by me and was a result of fraud or malpractice.

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 2020-11-10
Company: CBC Companies, 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:
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 TX XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX XXXX  XXXX XXXX XXXX {$22000.00} XXXX XXXX XXXX {$17000.00} XXXX XXXX XXXX {$17000.00} XXXX XXXX XXXX XXXX XXXX {$11000.00} XXXX XXXX XXXX XXXX {$5000.00} FRAUDULENT APPLICATIONS SUBMITTED IN MY NAME AND MY IDENTITY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY OR EVENING XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-10
Company: JPMORGAN CHASE & CO.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Didn't receive services that were advertised

Complaint:
The JP Morgan Chase Bank and the credit card companies have stolen my assets. My grandmother was XXXX XXXX XXXX and my Father was XXXX XXXX XXXX and I am XXXX XXXX XXXX. I have been searching for a resolution for 13 years and I've been given nothing but lies and wild goose chases from all entities. The issue seems to be too overwhelming for anyone to take action in my favor. I will start to post my bank statements and other evidence online so as to make the community aware of my wasted life and complete existence while someone else enjoys the spoils of my family 's blood, sweat, and tears. My family was ignored contractually and left to die I am the designated principal and last of my bloodline. The account has been given to every bank from here to New York. My expenses do not allow me legal assistance in this matter. Please help, I've been reduced by labels that do not describe the truth. I have suffered greatly, we have all been left without our investments by lies and excuses from the holder for 13 years. My SSN is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
XXXX XXXX XXXX took me to court i didnt know it till i was served .i won the case against this lawyer.the judge evan wrote a 10 page law review article on the case. XXXX XXXX is the person who filed the case against me in court.the llc was just opened around the time capital one was alleging i was in default.as i looked on XXXX XXXX an seen the llc 's that this attorney has opening an closing them, is crazy illegal to me.but he is the man im directed to when trying to resolve this issue. in my previous complaint about the reporting agencies. i will be filing a florida bar complaint as well as this i had a recent score of XXXX i was proud but since the end of court i havent recieved my XXXX dollars he owes me from court.and my credit is droping in some instances 50 points or more.because of his actions i have contacted him he represents capital one so he is in charge of the matter this man knows i won the case and so know between capital one and this attorney my credit is toast.because of these actions i fill victimized by this atorney.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-29
Company: HUNTINGTON NATIONAL BANK, THE
State: MI
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
We both work. We are XXXX. We have XXXX payments to have kids, student loans and mortgage AND never miss a payment. Often over pay. 

We go to pay our mortgage and its only allowed to pay principle if anything less then a full payment. Or told use a credit card. Yet we do not use a credit card. We are ahead on principle. We two times a month on pay day pay on the payment. 

But those are not full payments so its deemed ONLY allowed to pay principle. So we are late and thus in violation. 

A penny less then full mortgage cant go in but only to principle. 

Utter XXXX XXXX here you cant pay as you get paid towards your monthly due. Utter utter insanity.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-15
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XX/XX/2019 I called pra because they showed up on my cbr while talking with the rep I asked what is the ssn they have on file she stated a ssn that doesnt match mine. I dont understand how they can add something to my cbr and the ssn doesnt match

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-26
Company: National Credit Systems,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:
National Credit reported an account that belonged to someone with a similar name that does not belong to me. I have never lived at this property called XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-27
Company: WELLS FARGO & COMPANY
State: DE
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
this was a fraud account opened back 2014 by XXXX fraud balance {$570.00} acct number XXXX this debt was disputed numerous times with creditor and need to be deleted from all credit reports it does not belong to me since i never received any credit cards from this creditor or applied for any credit.

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 2018-01-27
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
cra violation more than 30days must remove inaccurate stuff that are not mine sent them every thing they need

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 2019-06-29
Company: Mr. Cooper Group Inc.
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I agreed on a contract to sell a rental property in early XXXX. On XX/XX/XXXX, the title company sent in a request to my mortgagor, Mr. Cooper, to release the lien on the mortgage. 

Mr. Cooper had 2 mortgages on record. The original mortgagor, XXXX XXXX, sold it to Mr. Cooper. 

I refinanced my mortgage with XXXX XXXX about 3 years ago. When I did so, there were errors in the original, signed refinancing documents. Instead of amending those documents, XXXX XXXX drafted new documents for me to sign. 

With the sale of the mortgage to Mr. Cooper, XXXX XXXX provided both signed documents to Mr. Cooper, and it appeared to Mr. Cooper that there were two mortgages on the same property. 

I and the closing title company have been following frequently with Mr. Cooper to get this resolved, but even after 1-1/2 months of following, there is no sign of resolution. Mr. Cooper has been slow to return phone calls or provide status updates, and are asking for re-submission of the same documents multiple times. 

I am at risk of losing the sale of this property, and I have also been paying interest to Mr. Cooper 's benefit over the past couple of months. 

I would like this resolved as soon as possible, and would like reimbursement of my mortgage interest payments over the time Mr. Cooper has dragged their feet in resolving this.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-09
Company: Check Security Associates, LLC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Warner Asset Location Services have called numerous and countless times to people I am associated with and with people I do n't even know but know a relative of mine. They are claiming that its a fraud claim for a loan.     This company has been harassing me for the past  three months. They call about three times a day, not to just my phone number but to my cousins, sister, brother, even to my uncle 's friend that I have never met. They contacted my Uncle 's friend to get my Uncle 's phone number to get my phone nu mber.   XXXX  never once has this company sent me a letter of collecting a debt etc!   XXXX  They wont even tell me the name of their " client '' that 's supposedly trying to collect this fraudulent debt i supposedly owed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-27
Company: MOHELA
State: SC
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:
I have had my student loan on a income contingent status I submit my pay stubs and household income and information in 2016 my account was reported as 90- 120 days late I called to inquire about this and was told since I faxed in several pay stubs for the month there was a confusion about the amount I really earned and they calculated me making 3 times the amount of my actual income I thought the account was at a payment of {$0.00} dollars monthly when I was changed to a payment of over {$300.00} dollars a month I was not made aware of this change and when I did realize it and called the company handling my loan they fixed my payments but my account still shows that my account was 90- 120 days late keeping my credit score from increasing. I would like to resolve this and get this delinquency removed from my credit reports.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-29
Company: Netspend Corporation
State: TX
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:
I called Netspend on XX/XX/2019 because I received an email about an address change on my account I then called Netspend to found out my account was closed by Risk Management stating too many disputes. So I asked about the disputes.I advised Netspend my last dispute was in XX/XX/2019 they stated there was a dispute filed on XX/XX/XXXX and XXXX via online. When I stated that I have not been able to access my online account since XX/XX/XXXX they stated my account is already closed and there is nothing they can do but send refund check which will take 10 business days to receive. I have XXXX children and my XXXX year old son is XXXX and his SSI was just deposited into the account and due to this error I am unable to purchase his medicine which reduces his traumatic episodes. Netspend has taken away the only funds I have and are making me wait 10 business days to receive a refund check for an issue I did not cause. I requested them to review my account to see every time I have made a dispute it has been valid and I call the moment it happens or as soon as the charge posts to my account. The disputes reported on XX/XX/XXXX and XXXX were charges from XXXX and XXXX. I have already told Netspend I did not create those disputes and I did verify those charges are indeed mine. I raised the question to Netspend why would I wait so long and I have never waited to report a dispute and how was my address changed without my authorization. No answers, only the same robotic response they will send refund check in 10 business days but unfortunately XXXX doesn't wait amd my son needs his medicine NOW. I was promised a callback by higher management 2 times today after having to hold for an hour plus each time to speak with a supervisor and no one has called or reached out to me in any form. We can not wait for my son 's medicine and if anything happens to him because of this Netspend error I am going to explore all avenues of legal actions to take this company down.

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 2021-07-19
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:
I called Transunion to get inaccurate account removed. Earlier this week XXXX  removed these accounts from my credit report. However Transunion is still providing an inaccurate credit report which is a false representation of my character, and amount of debt according to 15 usc 1692e. I demand these be removed as they are violating my consumer rights. They are also furnishing my report with these accounts without my written consent according to 15 USC 1682b, which is another violation of my consumer rights. They are currently improperly handling my credit 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 2018-01-27
Company: Netspend Corporation
State: NJ
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:
I am a victim of Identity Theft and I have placed fraud alerts and security freezes with all 3 credit bureaus. I, XXXX XXXX XXXX, did not apply for any NetSpend and / or XXXX product or prepaid card. However, a NetSpend/XXXX was open based on incorrect and a part of my name. Please see attached FTC complaint. I am not sure as to how many more accounts or cards NetSpend/XXXX had approved on this name and / or my information. I have nothing to do with any of these accounts and cards as I did not apply for any of these products and I do not want to bank with your bank. Kindly close all accounts and cards opened with my information and permanently delete all my information on your files and do not solicit me in the future. NetSpend must not open any more accounts / cards or entertain any applications, whatsoever, with any of my information full or partial. NetSpend must close all accounts, remove all my information from its files, not report the account to any external agency, mark the cards / accounts as fraud and notify me as soon as possible. XXXX should delete all my information and must not issue any more product using my information full / partial.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 2021-02-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
There is an account showing on my report from XXXX XXXXXXXX XXXX. : account # XXXX. It is showing as PAID IN FULL but also as a CHARGE OFF! I would like to have the item removed 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