BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-02-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- AUTO ACCOUNT 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/2013 with a balance of {$0.00} -This is not my 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 2020-02-19
Company: Blackhawk Network Holdings Inc.
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting a working replacement card

Complaint:
I'm reaching out as a consumer in possession of a {$100.00} promotional prepaid debit card provided issued by XXXX ( on behalf of XXXX ) and which I understand is serviced or otherwise held by Blackhawk Network. The prepaid debit card was first issued to me in or around XX/XX/XXXX. The card expired, without my having used any of the stored value, in or at the end of XX/XX/XXXX. I sought a replacement card on XX/XX/XXXX, by calling XXXX, the number listed on the back of the card. A customer service representative told me that XXXX would issue a replacement card that would arrive in 6 weeks. I  never received a replacement card. I called again on XX/XX/XXXX, and was told to wait an additional 2 weeks. ( I was provided with a Case number : XXXX. ) I never received a replacement card. I called again on XX/XX/XXXX, and was told that some sort of " delay in processing and delivery '' of promotional prepaid gift cards had occurred in XXXX that was preventing issuance and delivery of the replacement card. The representative advised me to wait another 2 weeks to receive the replacement card. At this point, more than two months after I first requested the replacement card, I doubt that XXXX can or will issue a replacement card.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-02-19
Company: Experian Information Solutions Inc.
State: MI
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 submitted my disputes and apparently they were reviewed. However, how its it that Experian 's credit score is VASTLY different than the other 2 credit reporting agencies??? Does Experien feel that it's process it better? I need to know why the score is over 150 points less than both credit agencies when they have the EXACT same information. This appears to be a MAJOR discrepancy.

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 2020-02-19
Company: SLM CORPORATION
State: VA
Product: Debt collection
Sub-product: Private student loan debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
On XX/XX/2020, Sallie Mae called my sister, my parents, and my employer to discuss my past due balance. They left voice mails with all three parties and told them I left their contact information with Sallie Mae. THAT IS ABSOLUTLEY INCORRECT. I never gave Sallie Mae permission to call my sister, my parents, or my employer. Let alone share their cell phone numbers. 
I have reached out to Sallie Mae 's customer service several times and asked them NOT to contact any of these individuals. They are not co-signers on any loans I have. Furthermore, calling my employer has jeopardized my job position as an accountant. 
On XX/XX/2020 my employer informed me he has received calls every day for the past 2 weeks from Sallie Mae. He did not want to tell me initially because he felt it was a personal matter I would solve on my own and also save me from embarrassment. He asked Sallie Mae to stop calling him, however, they did not follow his request and he ultimately had to tell me in hopes they would stop the harassing phone calls. He also informed me it gave him " concern about my future '' when he receives calls from creditors. Extremely embarrassing. 
Sallie Mae calls me several times a day every single day. I can not speak to them each time they call. They called me on the morning of Saturday,XX/XX/XXXX. I informed the representative that I can not afford to make the payment right now, and asked if they can lower the payment. They told me I could pay {$50.00} as a " good faith payment '' to keep my account from defaulting and to prevent them from reporting me to the credit bureaus. I asked if the {$50.00} went towards my loan. They said no it does not. I said that makes no sense and I refuse to just give you {$50.00} of my hard-earned money. The caller asked me if I knew how badly this would destroy my credit? I informed her Sallie Mae has already reported me to the credit bureaus and to stop threatening me. 
The same representative called me again this evening Wednesday, XX/XX/2020 to ask me if I can now make a payment. I informed her nothing has changed in the 4 days since she called me, I did not win the lottery and to have a good evening. I hung up. I understand I have a debit and I am working with a third party to solve this. I conveyed this information to Sallie Mae and asked them to stop calling me and my sphere everyday. Once a week is fine but everyday is harassment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-19
Company: John C. Heath, Attorney at Law, PLLC
State: WI
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
They are sending me threatening emails for a debt I have no knowledge of. 
They say they will contact my employer and have me sacked. 
Contact the IRS regarding this debt. Ruin my credit and so on See the attached emails

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-08
Company: DISCOVER BANK
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XX/XX/2017 numer account # XXXX This account was his balance of {$2400.00} that transaction was fraudulent ... I made a police report ; I sent the report to the discover card, I have disputed this balance with the end that we reach an agreement which I have been appealing for now, this refusal is still debt in my credit report. I did all the necessary process but it turns out that there will be an investment and then they tell me that I am obliged to pay this amount of debt ... please I need you to make an investment since I can not pay a balance of XXXX dollars that was consumed through fraud ...

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/2021 I sent out an 609 form to Trans Union in order to verify that in fact this was my account XXXX. 
To no response they have not verified nor have they validated my account information from XXXX XXXX showing me proof that indeed I owed or ever had an account with them. I enclosed a copy from XXXX  showing that there account from XXXX XXXX was deleted and removed from there system. This has cause me tremendous stress.

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 2022-08-13
Company: Coinbase, Inc.
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
I transfered cash and crypto assets from Coinbase XXXX to Coinbase. I then began to purchase coins. I have {$3500.00} that is showing as USD, but is actually in a filled ETH transaction. The {$3500.00} is not showing in my ETH balance and is not accessible. Coinbase has stolen {$3500.00} from me and cost me missed gains.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-19
Company: Conn's, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Conn 's Home Plus has been asked repeatedly not to contact me on my personal cell phone # of XXXX and instead use my e-mail address to communicate with me in regards to my account with them which currently is past due, due to financial hardship caused by the Death of my wife. Conn 's agreed to change my due date to the XX/XX/XXXX of every month instead of the XX/XX/XXXX and also defer the 2 months past due payments to the end of the account and no negative credit reporting on my credit file, both of which they have failed to do. Instead they call non-stop and fail to correct their mistakes that they agreed to.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-14
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Like all consumers. I make frequent credit card charges. This one concerns my Chase Amazon credit card. Charges showed up and I was warned by Chase Fraud and asked to verify : {$44.00} at XXXX on XXXX.and {$49.00} at XXXX. I called the Chase Fraud line. The staffer explained that these are data processing cos ( middle men ) that work for many vendors. What I consider outrageous, which should be the subject of regulation, is that even if such a company does answer the phone, they often dont know or wont disclose the vendor who is saying I made the charge. This leaves us consumers first prey of fraud and secondly incapable of verifying charges unless we write down in a notebook every single transaction we engage in using our cards!! If credit card cos are going to hire data processing cos to charge consumers accounts, these companies need to be required to reveal the names of the vendors involved, so we consumers can readily approve or deny our charges. This is just minimal consumer protection! Please respond.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-20
Company: Newman, Hesse & Associates, P. A.
State: WA
Product: Debt collection
Sub-product: Other debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
On XX/XX/XXXX, received in the mail an garnishment notification from Newman, Hesse and Associates, P.A. from XXXX, KS for a bad debt from check written in XXXX KS, on XX/XX/XXXX. This was the first I have heard about the check. I left Kansas in XXXX after college and was never served by the court or collector, never got any mail on it nor was I informed by anyone on this. I was never able to represent myself or even attempt to pay it ( with no contact how would I know ) however this group filed in XX/XX/XXXX with XXXX county court for judgement, then in XX/XX/XXXX took it to court again. Filed a third time in XX/XX/XXXX, a fourth time in XX/XX/XXXX, the fifth time XX/XX/XXXX, and finally in XX/XX/XXXX got a garnishment setup. With this garnishment they did not even send it to a correct employer. I do not work in XXXX IL. My employer does not do business in XXXX nor am I a resident there. From what I also understand is that they also have to file in the local state to garnish to begin with. I check my credit and nothing there either. With this debt they are running up the bill which started at XXXX after fees and charges is now XXXX. This is robbery. Plus my information is now with a company I do not work for or do business with. They need to be stopped. I have had no notification from the state nor the company except this letter which I took the AG for Kansas ( how I  got the info on what it was on ). The state of Kansas knew where I lived for the last 18 years as we paid a debt my wife owed. This is unfair and wrong and after 20 years ridiculous.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 a charge-off reporting on my credit file with XXXX. I have disputed the account as it is not mine and can not be verified as such twice, through there online dispute system. Both times they completed their investigation, I was told the account was " verified '' accurate and that it would remain on my credit file. So I decided to dispute via mail this time, I mailed my letter and identify verifying documents XX/XX/2020, and today XX/XX/2020, I received an update via email saying my dispute was resolved and the again the account was found to be verified. In each of my credit dispute letters, I have demanded to be shown an original contract stating that I established the account in question. They have not provided saif information and have not deleted the unverified 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 2020-10-08
Company: DISCOVER BANK
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Earlier in 2020, my friend opened an account with a gym. At that that gym ( XXXX XXXX XXXX XXXX required that he have a credit card on his account. He did not have his credit card with him so I authorized to place my card on his account. I was assured that after he called in with his credit card info, my card would be removed. 

In XXXX I was charged for his account. As soon as I noticed the charge, I messaged them to remove my credit card info. They assured me that they would handle the matter. 

Then the presence of covid required quarantine and gyms closed for a few months. When they opened in XXXX, XXXX XXXX XXXX charged my card 4 times for a total of {$350.00}. I was very angry and immediately messaged and emailed them demanding that they reverse the charges. 

Their response to me ( attached as proof ) was that : 1 ) They would not remove my card until they had another card to replace it.

2 ) They claimed to have only charged my card three times totaling {$250.00}.

The only thing that I felt I gained from the interaction was the fact that they admitted via email that the account I was being charged for was not mine.

Still frustrated, I contacted my bank ( Discover Bank ) to dispute the charge. They took my info and gave me a provisional credit. 

But fast forward to today and they reversed that credit siding with XXXX XXXX XXXX. They even reversed the forth charge that XXXX never admitted to having!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-02-20
Company: UBS BANK USA
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I HAVE BEEN ASKING FOR A REFUND OF MY CREDIT BALANCE SINCE XX/XX/20. UBS CLAIMS TO HAVE SENT CHECKS BUT CAN NOT PROVIDE CHECK NUMBERS AND I HAVE NEVER RECEIVED A CREDIT BALANCE REFUND AS PROMISED. ASSOCIATES ARE POWERLESS TO SOLVE MY PROBLEM AND DO NOT CARE. THEY MAKE NO ATTEMPT WHATSOEVER TO TAKE INITIATIVE TO FIND OUT WHERE MY REFUND IS. SUPERVISOR ARE NOT AVAILABLE AND DO NOT RETURN CALLS. UBS CUSTOMER SERVICE IS ABHORRENT!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-20
Company: KEYCORP
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Two problems.

1. A dispute was filed and the bank reversed the credit and closed the dispute without notice, explanation, or documentation. Bank refuses to provide additional information.

2. Key master debit card is rejected online. The merchant stated that the Avs ( address verification ) info is not available and therefore the card is not supported. 
Upon XXXX  the card not supported, multiple websites reference the card issuer as problem not merchant. Key continues to deny any problems or restrictions. Which continue to deny me using my card anywhere that I need to.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-16
Company: AMCOL Systems, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I received a notification today that a collection was added to my credit report in the amount of {$1200.00} I did not receive any dunning letter or written notice allowing me a chance to dispute the validity of this debt before being placed on my reports. That is a violation of my rights and I want this alleged debt removed from my credit reports immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-14
Company: Nelnet, Inc.
State: OH
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
My current loan was in forbearance until XX/XX/2019. There is a letter posted to my account by the lender ( servicer ) stating repayments were to begin in XX/XX/2019. In XX/XX/2019 and XX/XX/2019, payments were debited from my account. My account overdrafted due to these payments being withdrawn from my account. The overdraft fee is {$37.00} per day. I provided the servicer company with my state assistance information, which they declined to accept. I asked why my payments began before the stated date of XX/XX/2019. I was advised that the money was owed to the company. The payments were to begin XX/XX/2019. On XX/XX/XXXX ( today ), 2019 another payment was debited. Now they are debiting early from my account. This occurred in violation of the letter the servicing company provided to me. 

The loan states that the XXXX XXXX XXXX is the school I attended. I never attended school there. 

I have been unemployed for XXXX years due to health issues. I am currently awaiting a decision on XXXX and have been on state XXXX and food assistance during this time. I have provided documentation in the past proving this. Nelnet now says that this is not acceptable documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-08
Company: BARCLAYS BANK DELAWARE
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
On XX/XX/2021, my credit card wyndham rewards/visa, from BARCLAYS Bank was charged fraudulent with an amount of {$7500.00} as temporary authorization, balance transfer, that day I call to the customer service ( XXXX ) XXXX to report this, and replace new credit card. Them on XX/XX/2021 that charge was posted on my credit card account, in amount of {$7500.00} plus {$150.00} as balance transfer fee an total of {$7600.00}. Also, I call to Police Dept. and report this incident, in XXXX, XXXX XXXX, New York. 
From Barclays Bank, I receive new credit card and a letter let me know they investigating and may be, an resolution in 60 days. 

I did some investigation and found that transfer was made to XXXX XXXX  in Ohio, Bank Routing Number XXXX, Checking Account ending in XXXX. 
The application was made as XXXX TO CK ACCT- XXXX XXXX Amount : {$7500.00} BALANCE TRANSFER FEE. Amount : {$150.00}

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 2018-08-10
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
I am no longer associated with these addresses or have I ever been associated with these addresses. 

XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX, XXXX   XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, VA XXXX XXXX XXXX XXXX, XXXX, NC XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX XXXX XXXX XXXX, XXXX XXXX, CA 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 2020-02-20
Company: Ability Recovery Services, LLC
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:
Disputed an erroneous account with Ability Recovery Services, however they have failed to remove the account from my credit report and have not responded to my letter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation