BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-04-30
Company: Bread Financial Holdings, Inc.
State: GA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
MY BANK ACCOUNT IS SUPPOSED TO REJECT ANYTHING THAT WOULD CAUSE OVERDRAFTS YET I HAVE A {$34.00} NSF FEE DATED XX/XX/2019 FROM A XXXX XXXX. I WANT THIS REFUNDED IMMEDIATELY AS I WAS NOT NOTIFIED BY YOUR OFFICE THAT THE FUNDS WERE NOT THERE AND MY BANK SHOULD HAVE BLOCKED THE CHARGE IF THE FUNDS WERE NOT COVERED. IF THIS IS NOT REFUNDED I WILL TAKE OTHER ACTIONS.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
These inquiries I did not authorize. The dealerships decided to submit my loan deal through banks I asked them not to contact. Dispute Summary All items you identified for dispute are listed on this summary page. Please review your selections. Once you have finalized your selections, please click on the submit button below to initiate the dispute process. Inquiries XXXX XXXX XX/XX/17, XX/XX/17, XX/XX/17, XX/XX/17, XX/XX/17, XX/XX/17, XX/XX/17, XX/XX/17, XX/XX/17, XX/XX/17, XX/XX/17, XX/XX/17 I did not authorize this inquiry. Inquiries XXXX XXXX XXXX XX/XX/17 I did not authorize this inquiry. Inquiries XXXX XXXX XXXX XXXX XX/XX/17 I did not authorize this inquiry. Inquiries XXXX XXXX XXXX XX/XX/17, XX/XX/17, XX/XX/17, XX/XX/17, XX/XX/17 I did not authorize this inquiry. Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/17 I did not authorize this inquiry. Inquiries XXXX XXXX XX/XX/17 I did not authorize this inquiry. Inquiries XXXX XXXX, XXXX - XXXX XX/XX/17 I did not authorize this inquiry. Inquiries XXXX XXXX XXXX XX/XX/17 I did not authorize this inquiry. Inquiries XXXX XXXX XX/XX/17, XX/XX/17, XX/XX/17, XX/XX/17, XX/XX/17, XX/XX/17 I did not authorize this inquiry. Inquiries XXXX XXXX XXXX XXXX XXXX XX/XX/17 I did not authorize this inquiry. Inquiries XXXX XXXX XXXX XXXX XX/XX/17, XX/XX/17, XX/XX/17 I did not authorize this inquiry. Inquiries XXXX XXXX XXXX XXXX XX/XX/17 I did not authorize this inquiry. Inquiries XXXX XXXX XXXX, XXXX XX/XX/17, XX/XX/17 I did not authorize this inquiry. Inquiries XXXX XXXX XX/XX/17, XX/XX/17, XX/XX/17, XX/XX/17, XX/XX/17, XX/XX/17, XX/XX/17, XX/XX/17, XX/XX/17, XX/XX/17 I did not authorize this inquiry. Inquiries XXXX XXXX XX/XX/17, XX/XX/17, XX/XX/17, XX/XX/17, XX/XX/17, XX/XX/17 I did not authorize this inquiry. Inquiries XXXX XXXX XX/XX/17, XX/XX/17 I did not authorize this inquiry. Inquiries XXXX XXXX XX/XX/17, XX/XX/17, XX/XX/17 I did not authorize this inquiry. Inquiries XXXX XXXX XX/XX/17, XX/XX/17, XX/XX/17 I did not authorize this inquiry. Inquiries XXXX XXXX XX/XX/17, XX/XX/17 I did not authorize this inquiry. Inquiries XXXX XXXX XXXX XXXX XX/XX/17, XX/XX/17, XX/XX/17 I did not authorize this inquiry.

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 2018-06-05
Company: AmeriCollect
State: WI
Product: Debt collection
Sub-product: Medical debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
Americollect claims I owe money for a medical bill. They placed several calls to my employer but did not call me. When my employer returned the call Americollect informed them that they were attempting to collect a debt from me. I called Americollect and they informed me that my work number was what they had for contact information, but I have never given my work number to anyone - I did not even know the number and had to look it up.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-15
Company: Lockhart, Morris & Montgomery Inc.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-15
Company: PRESTIGE FINANCIAL SERVICES INC
State: IL
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
ne would get back with me from prestige financial as soon as the car has been sold and they would tell me what I owe and how to go about setting payments up with the balance left remaining XXXX/2021- I filed a dispute with the credit bureau in regards to how they put the incorrect information on my credit and I sent in the copies of the emails back and forth with prestige XXXX/2021- prestige updated my account online stating that the charged off XXXX and past due XXXX and I tried to get an updated from prestige on the phone and no one ever called me back or sent anything in the mail. 
XXXX/2021- I spoke to XXXX XXXX and she said she no longer could speak to me and that I would receive something in the mail in regards to the selling of the vehicle and what amount I would owe. 
XXXX I receive a summons from XXXX XXXX XXXX in regards to XXXX XXXX stating that I would have to appear in court in regards to the vehicle. I never received anything from XXXX or XXXX XXXX XXXXXXXX in regards to owing a debt no one ever reached out to me in regards to the debt. 
XXXX/2021- I tried to make it to the court house which was an 1.5 away from me and I got there at XXXX and court was over for a XXXX court call. A default judgement was paced on me and I tried to call XXXX XXXX XXXX and no one ever returned my call.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-14
Company: EQUIFAX, INC.
State: AK
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:
Ive been a victim of identity theft I'M FILLING THIS COMPLAINT FOR MYSELF someone stole my information and used it to open accounts under my name without my permission the fraud accounts are XXXX XXXX XXXXXXXX this account appear on my credit report does not relate to any transactions that i have made. also i was a victim of the 2017 equifax data breach! THIS SITUATION HAS CAUSED FINANCIAL AND EMOTIONAL STRESS I WAS LAYED OFF MY JOB WHEN THIS 1ST HAPPEN AND I CANT FIND A HOME FOR MY XXXX  KIDS AND WIFE!! ( 103 true identity theft ) iam a victim of identity theft.The information listed below is was open without my permission 15 U.S CODE 1681C-2 605 ( b ) BLOCK .ITEMS MUST BE BLOCK AND REMOVE IN NO LESS THAN ( 4 ) DAYS UNDER THE FAIR CREDIT REPORTING ACT,15 U.S.C. 1681, et seq. ( " FCRA ' ), FURNISHERS MUST INVESTIGATE DISPUTES RECEIVED FTC Report Number : XXXX because of jurisdictions i've listed fraudulent accounts. i also went and filed a police report

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-29
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:
These inquiries I did not authorize. The dealerships decided to submit my loan deal through banks I asked them not to contact. Dispute Summary All items you identified for dispute are listed on this summary page. Please review your selections. Once you have finalized your selections, please click on the submit button below to initiate the dispute process. Inquiries XXXX XXXX XX/XX/17, XX/XX/17, XX/XX/17, XX/XX/17, XX/XX/17, XX/XX/17, XX/XX/17, XX/XX/17, XX/XX/17, XX/XX/17, XX/XX/17, XX/XX/17 I did not authorize this inquiry. Inquiries XXXX XXXX XXXX XX/XX/17 I did not authorize this inquiry. Inquiries XXXX XXXX XXXX XXXX XX/XX/17 I did not authorize this inquiry. Inquiries XXXX XXXX XXXX XX/XX/17, XX/XX/17, XX/XX/17, XX/XX/17, XX/XX/17 I did not authorize this inquiry. Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX I did not authorize this inquiry. Inquiries XXXX XXXX XX/XX/17 I did not authorize this inquiry. Inquiries XXXX XXXX, XXXX - XXXX XX/XX/17 I did not authorize this inquiry. Inquiries XXXX XXXX XXXX XX/XX/17 I did not authorize this inquiry. Inquiries XXXX XXXX XX/XX/17, XX/XX/17, XX/XX/17, XX/XX/17, XX/XX/17, XX/XX/17 I did not authorize this inquiry. Inquiries XXXX XXXX XXXX XXXX XXXX XX/XX/17 I did not authorize this inquiry. Inquiries XXXX XXXX XXXX XXXXE XX/XX/17, XX/XX/17, XX/XX/17 I did not authorize this inquiry. Inquiries XXXX XXXX XXXX XXXX XX/XX/17 I did not authorize this inquiry. Inquiries XXXX XXXX XXXX, XXXX XX/XX/17, XX/XX/17 I did not authorize this inquiry. Inquiries XXXX XXXX XX/XX/17, XX/XX/17, XX/XX/17, XX/XX/17, XX/XX/17, XX/XX/17, XX/XX/17, XX/XX/17, XX/XX/17, XX/XX/17 I did not authorize this inquiry. Inquiries XXXX XXXX XX/XX/17, XX/XX/17, XX/XX/17, XX/XX/17, XX/XX/17, XX/XX/17 I did not authorize this inquiry. Inquiries XXXX XXXX XX/XX/17, XX/XX/17 I did not authorize this inquiry. Inquiries XXXX XXXX XX/XX/17, XX/XX/17, XX/XX/17 I did not authorize this inquiry. Inquiries XXXX XXXX XX/XX/17, XX/XX/17, XX/XX/17 I did not authorize this inquiry. Inquiries XXXX XXXX XX/XX/17, XX/XX/17 I did not authorize this inquiry. Inquiries XXXX XXXX XXXX XXXX XX/XX/17, XX/XX/17, XX/XX/17 I did not authorize this inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-15
Company: U.S. BANCORP
State: CA
Product: Credit card or prepaid card
Sub-product: Payroll card
Issue: Trouble using the card
Sub-issue: Problem using the card to withdraw money from an ATM

Complaint:
I XXXX  and my employer mailed me a debit card for retroactive pay. The card Is with US bank. The only way to activate the card is online. I entered my user name and password, and was then prompted to enter my card number and last four of my ss, which I did. A window popped up stating unable to verify. I tried again multiple times ; no luck. I called Us bank and got transferred around till I was told I would be transferred to someone who could activate my card over the phone. After answering questions for five minutes, they said the only way to activate my card is online. It is my strong feeling this bank makes it difficult if not impossible to activate a card so they can hold ones money as long as possible. Please help me activate this card so I can withdraw my money and be done with this firm. 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 non-monetary relief
Consumer complaint received 2017-07-29
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:
Experian is allowing XXXX XXXX XXXX to report incomplete information on my credit report. Experian notes the status as never late for an account that was opened on XX/XX/XXXX however the loan servicer is only reporting monthly payment history for most months an " ND ''. During conception and origination of the loans, the servicer agreed to update each month the account was in good standing as '' OK ''. Also Experian posts to my credit report that my account originated in XX/XX/XXXX, however payment history for four of the past seven years are missing. This is the case for more than 15 different student loan accounts that Experian has allowed to post to my credit file from XXXX XXXX XXXX. I am missing over 500 payment history updates. It is unfair to allow the burden of the debt to reflect on my credit report without allowing me to receive the benefit of the credit age and payment history which are significant factors in my credit score. When I disputed this information Experian allowed the lender to remove most historical data for payment history which is against completeness provisions of the Credit Reporting Act, 611 a 15 USC 1681ia. The payment history is available and known and must be reported.

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: Coinbase, Inc.
State: AZ
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
I opened a Coinbase account in XX/XX/XXXX I purchase Ethereum {$1500.00} worth. Then I purchased Bitcoin {$2500.00}. I also purchased {$1000.00} in Lightcoin. I called in after the purchases at the time the company usually answer the phone right away. I communicated with employee at their XXXX at this time i called to see about fees on Ethereum purchase. The Coinbase Rep explained it to me and then asked if a two tier Representative in Finance could called me within 30 mins. I said yes. At this time he called me convinced me to buy to Bitcoin for {$25000.00} dollars and that Bitcoin would be {$40000.00} buy XX/XX/XXXX The reps or thieves put one of the Bitcoins in my account at Coinbase I saw in my account acceptable to my XXXX XXXX XXXX Account or XXXX XXXX Account. I only recieved to my accounts. Next thing you know my computer was on I look up to see! Bitcoin was transferred from my account without my knowledge. A {$18000.00} dollar transfer with no calls ne emails nothing. I called Coinbase for weeks. They were not answering phones this whole time which enabled this Fraud. I could not get through for weeks. Now that they answer they tell me a 2 level person handling my account will be in touch. They tell me dont file complaints or I will be Blacklisted, Help

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-15
Company: LTD Financial Services, L.P.
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The Debt Buyer is trying to collect on an alleged debt that I do not own to them. I have sent to the debt buyer ( s ) a debt verification and validation letter. I have sent to the CFPB a copy of said letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-15
Company: V and H Portfolio
State: CA
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 complaint is regarding account information below that has not been investigated and no information given. Its been over 2 months with no information given to me regarding these accounts. I have no knowledge of these companies and they shouldnt be reporting as I never gave permission for the reporting per Section 1681a -I sent correspondence to the Credit Bureaus regarding this. I was never notified in writing per 15 U.S.C 1692ag prior to accounts being on my credit report, within 5 days. Moreover, these accounts violate debt collections, abusive and unfair practices per section 1692f ( 1 ) adding additional amounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-01
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: AR
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
From XX/XX/XXXX up until XX/XX/XXXX I was struggling to pay my credit card bill with USAA. I contacted them and tried to work out and agreement and they neglected to help, telling me that fees and interest would still accumulate and late payment fees as well. And they eventually closed my account. So XXXX of XXXX came around and I received a notice of interest continuing to be charged on my closed USAA account. I contacted them and made them aware of this matter and that I had been laid off due to the Covid-19 virus. They further neglected to help, stating, fees will continue to accrue until the account was paid in full. As a XXXX, I feel discriminated against for something that was out of my control. USAA definitely doesnt care, and is continuing to charge me fees, interest, and late payments on this closed account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Unexpected or other fees

Complaint:
I experienced fradulent withdrawals from my Bank of America Nevada Prepaid Card. I filed a fraudulent claim and upon receiving the new card I was unable to open it because my account was closed. Bank of America tells me it is the Nevada Unemployment Offices fault, while Nevada Unemployment tells me they have nothing to do with Bank of Americas card services. I have played ring around the rosie for a week now. Neither of these insitutions have any idea on how to activate my new card, so I essentially just claim my weekly UI payments for them to go absolutely nowhere.

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 2017-12-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I sent a dispute to transunion on XX/XX/XXXX disputing an XXXX XXXX ( Docket # XXXX ) which was being reported on my credit report. Once I submitted this dispute via mail I also sent on on XX/XX/XXXX via FAX. I did n't get any feedback from Transunion so on XX/XX/XXXX I filed a complaint with the CFPB in regards to the matter. Once said CFPB complaint was filed I sent them a copy of the CFPB complaint and original dispute letter via fax and U.S. Mail. On XX/XX/XXXX they sent a response via the CFPB that the Bankruptcy and XXXX XXXX in the amount of {$50000.00} were both removed and no longer reporting on my credit report and that in 5 to 7 business days I would have an official letter from Transunion stating such. I decided to contact Transunion to confirm said response as on XX/XX/XXXX I applied for a loan only to find out both were still being reported. So I contacted Transunion on XX/XX/XXXX and was on the phone for well over 40 minutes only to find out that the items were not being even investigated. I then faxed a copy of the dispute to them. On the call they stated I have not sent in a specific letter which is untrue.

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 2018-09-28
Company: AVANTE
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
AVANTE has placed a fraud account in the amount of {$1100.00} onto my credit file. Not only have they inserted a fraud account I was never made aware of this debt and was not given my right to dispute the validity of this account. I did not open or authorize this account, and I request that it be closed immediately. Please send me written confirmation that I am not responsible for charges on this account, and take appropriate steps to remove information about this account from my credit files.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-15
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you in a state where you do not live or did not sign for the debt

Complaint:
I was served by the court in XXXX of XXXX for a debt that Portfolio Recovery services says that I owe. I had a mediation with them about the debt in XXXX of XXXX and have disputed this debt plenty of times from my credit report in previous years saying that this account did not belong to me. The original company was XXXX XXXX. Portfolio only sent me copies of statements that listed my previous address in which I do not live there anymore. They told me that the account was charged off in XXXX or XXXX of XXXX. They only provided 2 statements that had my previous address on it showing that I made a payment of XXXX in XXXX of XXXX. I went back to my bank statements of that year and there is no record of any such payments. The man from Portfolio says that its burden of proof because they have my name and an address that I used to live at. I asked for an original contract that shows where I signed for this debt and he told me that they didnt have to provide that and that they have everything they needed to proceed to take me to court. I dont even know the original date that this account has supposedly originated.

Company response to consumer: Closed with explanation