BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-01-07
Company: TAMMAC HOLDINGS CORP
State: PA
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:
We entered in to a mobile home contract with Tammac Holdings in XXXX. Declared bankruptcy XXXX. No payments were made from XXXX forward. Bankrupty case was dismissed in late XXXX. Tammac has re aged the account and continues to report incorrect information including the Date of First Deliquency which allows this negative to remain on our credit reports until XXXX. 
We have disputed as Obsolete with the CRAs and sent proof to all XXXX, XXXX  and XXXX. XXXX deleted this account from its Tradeline, however XXXX and XXXX allowed Tammac to respond with " Verified '' and did n't even consider the proof sent. My wife is currently disputing with XXXX again as Incorrect Information with the exact same information. We have previous credit reports, some dating from XXXX, that show different dates, amounts and statuses.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-12
Company: Experian Information Solutions Inc.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
ACCOUNT WAS OPEN WITHOUT MY CONSENT

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 2019-05-21
Company: EQUIFAX, INC.
State: CA
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 applied for a credit card with a credit card issuing company, but had a freeze on my credit. The company used equifax to pull my credit score, and asked me to lift the freeze with equifax to process my application. 

I tried creating an account on equifax 's website, but the site gave me an error. My account was successfully created on the second try, but the login would not work ; it gave an error and said I should call XXXX. I waited on hold for 20 minutes, and then when someone ( XXXX XXXX answered, I explained the situation and said I needed to lift a freeze on my credit. They transferred me to another department, where I repeated the experience with XXXX. Then this department transferred me to another, who tried to get me to call the main number again ( This was a guy named XXXX ). 

I tried their online chat support ( XXXX XXXX, but the representative said I needed to call in to lift the freeze. She then disconnected the chat before I could explain I had already called in. 

Now I can't use equifax and I can't get a new credit card.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-12
Company: Experian Information Solutions Inc.
State: TX
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: Billing dispute for services

Complaint:
Experian deploys deceptive practices to get users to agree to a monthly charge for credit protection services. Despite choosing only to pay {$1.00} for a credit report, Experian nonetheless charged me {$21.00} for failing to cancel a free trial that I never consented to.

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 2020-02-12
Company: JPMORGAN CHASE & CO.
State: WA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I tried to pay my Chase Freedom Visa credit card on time using online bill pay like I normally do in 2018, but they had changed the address they accept payments to, did not inform me, and did not accept my payment. Then I got charged a bunch of late fees after I paid the payment to the new address. I merely want to not be charged late fees and get a refund for this. they also didnt stick to contacting me during normal business hours and wont give me a refund of the unfair and unlawful late fees I paid and instead claim it was a " chargeoff ''. They also appear to owe me caswhback and points on this card

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-22
Company: Navient Solutions, LLC.
State: CO
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
The loan servicer makes it hard to pay back loans and it feels like they charge you more money than you actually owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-12
Company: ENOVA INTERNATIONAL, INC.
State: NC
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Charged fees or interest you didn't expect

Complaint:
On XX/XX/XXXX I scheduled an ACH payment of {$700.00} to be applied to my Cashnet USA line of credit account on XX/XX/XXXX. On XX/XX/XXXX I received an email from the creditor stating the payment had been posted. On XX/XX/XXXX I noticed the prior period 's statement was incorrect and the oustanding balance posted on the company 's website was incorrect. Once I became aware of the discrepancy I contacted the customer support line. On XX/XX/XXXX I spoke with a representative who ensured me a supervisor would contact me with 48 hours to discuss the matter. After ending the call on XX/XX/XXXX my online account showed the {$700.00} payment had been unapplied on the XX/XX/XXXX with a reference of " cancelled " then reapplied on XX/XX/XXXX in an attempt to erroneously earn more interest on the account. After not receiving correspondence in the designated time I contacted the customer support line and requested to speak with a manager XX/XX/XXXX. I mentioned the issue of the discrepancy on the statement, the false cancelled transaction on the online account and requested an amortization schedule to review. The manager offered to " waive '' {$55.00} on the account and denied the request for a schedule history to review for my records.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I went to XXXX to trade my current XXXX which Im leasing and wanted to purchase and was not approved. There are items on my credit that are not mine. Please have these items removed from my credit report. I have contacted the FTC and my local police. I'm doing this on my own behalf. XXXX XXXX, XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX 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 explanation
Consumer complaint received 2020-02-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Public record information inaccurate

Complaint:
I HAVE REQUEST A CREDIT REPORT FROM ALL THREE CREDIT BUREAU 'S AND IT'S A BANKRUTCY ON THERE FROM TRANSUNION AND XXXX. SO I DISPUTED IT BOTH CAME BACK VERIFED SO WHAT I DID WAS GO TO THE BANKRUTCY COURT AND ASK HOW IS THIS ON MY CREDIT REPORT AND THEY SAY THEY NEVERED REPORT MY INFORMATION TO NO CREDIT BUREAU 'S PLUS I HAVE THE PROOF. ALSO I SAW A PLACE CALLED XXXX XXXX ON MY CREDIT THAT XXXX  AND TRANSUNION SAY THEY GOT THE INFORMATION FROM WHICH IS ILLEGAL.

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 2020-02-12
Company: COMMUNITY CHOICE FINANCIAL, INC.
State: OH
Product: Money transfer, virtual currency, or money service
Sub-product: Check cashing service
Issue: Confusing or missing disclosures

Complaint:
I had a check cashed at Check Smart, signed Without Recourse letting them know that I accept no responsibility for non payment under UCC 3-415. Check Smart has XXXX XXXX Police making threats to my client who cashed the check, I have P.O.A. to settle the matter. I claim no liability for Check Smart 's negligence, they verify any check before cashing. An EFT must have been received by Check Smart and they have insurance on my clients account in which I have sent a request for Validation that's in the works now. I sent the Chief of Police a private correspondence. He will receive tommorow! Officer XXXX has called my client in XXXX XXXX and threatened him over and over, with threats of charges, jail, repayment of the debt. I've sent a private correspondence to the C.F.O of Check Smart in XXXX, Ohio. We had no intention on bouncing a check, that's why I verified threw XXXX XXXX my account is good. Furthermore Check Smart has a performance Bond and a payment Bond to cover any mishaps one of their employees make. My client and I accept no liability and wishes to charge XXXX XXXX with violations of the FDCPA 3 different incidents. {$1500.00} each. For making threats to my client and I. I wish to have the CFO of Check Smart XXXX XXXX comply with my request to resind my clients contract and stop harassing me or XXXX XXXX. The check is under an Estate Check EIN # XXXX. I want CFPD to put a stop to this harassment and threats. To have the insurance of Check Smart close and settle the account for my client via P.O.A. and forever resolve this matter! Close and Settle my clients Account immediately!!! Thank You Mr.XXXX of XXXX XXXX XXXX  XXXX  XXXX XXXX XXXX XXXX, OHIO XXXX NON-DOMESTIC

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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: Investigation took more than 30 days

Complaint:
Bank of America ran my credit without my permission back on XX/XX/XXXX, and they used XXXX XXXX to do it. I reported Bank of America to the CFPB on multiple occasions in XX/XX/XXXX/XX/XX/XXXX, and they said they would have XXXX XXXX remove the hard inquiries. XXXX XXXX was supposed to have the hard inquiries removed from my report all the way back in XX/XX/XXXX of this year, but they haven't. XXXX still has the hard inquiry from them. I contacted XXXX XXXX on XX/XX/XXXX, and they said I needed to submit a written request to them to give to XXXX to remove the hard inquiry. I sent it via email ( XXXX XXXX said it was acceptable ), but over a month later, the hard inquiry from XXXX is still on my report, and I've been dealing with the whole situation for over half a year. Attached is the email I sent in XX/XX/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 explanation
Consumer complaint received 2020-02-12
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: WI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
My husband wrote a check for {$1400.00} for our rent as we do every single month, which was dated for XX/XX/2020. On XX/XX/2020, our bank ( USAA ) took out {$3400.00} from our account. When I tried to pay for my childs school lunch, the payment wouldnt go through because of insufficient funds. When my husband asked the bank for our funds back, they told us they would need to investigate it and we would not receive a reimbursement until it was complete. When my husband asked how our children would eat at school if we arent able to pay for school lunch, he was told to just use a credit card, like it was no big deal. They said they wouldnt reimburse us for any late fees, insufficient funds fees, or interest accrued from any credit card we may need to use. Not only had the bank hung up on us previous to this final conversation, we were blown off and basically told to deal with it when we asked for our money back. So we now have no money, and Im not confident the bank is even investigating this matter. The customer service Rep said it was the fault of the other bank so nothing could be done to help us in the meantime

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-12
Company: Credit Control, LLC
State: WA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a letter on XX/XX/XXXX and XX/XX/XXXX from Credit Control , LLC claiming I have a debt they're collecting on behalf of XXXX XXXX XXXX with the original creditor XXXX. The claimed amount due is {$2800.00}. I've never purchased anything from XXXX and dispute this claim.

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 2018-01-07
Company: Ad Astra Recovery Services Inc
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX will not send me validation of the account they are reporting to all three bureaus. I have asked several times for them to send me proof that I owe them a debt. They sent me a document that I have never seen before nor did I sign. I demand this invalidated account be removed permanently and immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-07
Company: Paypal Holdings, Inc
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
On XX/XX/XXXX my PayPal account ( created since 2014 ) was limited due to several key points or issues. It was done during the purchases of urgent necessities for my work. They claim that my account is linked to another account created under my name after I created this one. 

They have on hold {$41.00} and caused a contract ( due to unavailability to purchase online digital goods such as servers for hosting and web domains ) to be broken on my part for the amount of {$630.00} for my online services. 

They claim there is an amount due ( not disclosed by them ) and an account with my personal information ( details not mentioned by them such as email address, name under the account, phone number, etc ) I demanded the case to be elevated to fraud for a possible identity fraud, however, I 've received no additional communications from them. 

I 've been attempting to contact through phone 2 times with waits longer than 1 hour and  30 minutes.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-12
Company: CITIBANK, N.A.
State: MN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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:
Be advised Im putting your bank on full legal notice there are rules and bi laws that apply here to major banks and myself that we MUST follow and obey laws I have submitted factual information regarding my credit report that clearly shows that you not reporting illegal information and this tradeline must be removed. Per the FCRA all reporting must be ONE HUNDRED percent accurate. Half your reporting is missing amd reporting incorrect if this tradeline is not removed I will be force to take LEGAL ACTION I will asked for {$1000.00} per credit reporting company total of {$4000.00} I will be reaching out to the Minnesota attorney General office first thing in the morning and most importantly I give you Give business day to delete this account. Why you want to play a game here Why dont you send me what information that each credit reporting agencies sent to your company and most importantly You send me what information you provided them. I want this information in physical documents no rig raft I supplied you with factual document pretaining to my issue! If not this will be considered unverified! Again I want this in physical proof! Or delete I will be waiting your response leaving off information is req and must report remove today

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 2020-02-12
Company: Millsap & Singer, LLC
State: MO
Product: Debt collection
Sub-product: Mortgage debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
Milsap and singer a foreclosure law firm who was suppose to be the trustee and have mine and the mortgage companys best interest in mind only had the mortgage companys best interest in mind as they have a financial insentive to side with the mortgage company not only did they not check to see if the lender had grounds to foreclose the stood by and did nothing as I was dual tracked during the foreclosure process the lender violated regulations z and x acourding to the Dodd Frank act tila act respa act and many other laws milsap and singer are in violation of breach in Trust laws and also present a conflict of interest as they are representing the lender in a lawsuit I have filed

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-12
Company: Netspend Corporation
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
I purchased a XXXX XXXX online at the end of XXXX. The amount on my receipt is {$29.00}. With the company XXXX. However the amount that was charged to my account was {$33.00} and from a different company than what was listed. I disputed the transaction with the merchant with no response at all from them. And with my NetSpend Prepaid Pay Pal Mastercard. I disputed and did what I was told by submitting my proof of dispute for an immediate expedited refund. This particular prepaid card has charged me a monthly fee the day I purchased the card as well as one the month after the account was opened. I still have not received my refund and am being told it can take 90 days. Which is very convenient considering that get XXXX each month my account is open. Now I am being told if I close my account and I get my disputed amount back I will be charged a {$5.00} fee for them to issue a check. I feel like this is outrageous and that as a consumer I am not protected by the master card since it is a prepaid account. I am not sure if anything can be done however I hope there is.

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 2018-01-07
Company: Convergent Resources, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XX/XX/XXXX To whom it may concern : I need assistance from your agency. Recently I applied for, and was denied a loan, due to the fact that a collection company by the name of XXXX XXXX, has placed a falsified, fraudulent collection debt on my credit files. 

This XXXX XXXX XXXX, has placed a falsified collection debt with a status date of XX/XX/XXXX on my credit files, as though I have had a recent outstanding balance owed to XXXX in the amount of {$500.00}, and none of this information is true. 

In XX/XX/XXXX, at the end of my contract with XXXX, I paid my last bill in full, and I have had nothing to do with that company in over 4 years. 

Back in XX/XX/XXXX, my sister and I were on a XXXX cell phone plan together, and during the time that we had that plan, everything that could go wrong for us with XXXX, and this plan did. 

We purchased telephones from them, and the phones were just garbage, constant issues, we were constantly trying to get assistance from their customer service, either by telephone, or we had to constantly go to one of their stores. 

Finally in XX/XX/XXXX at the end of our contract, we both paid our bills in full, and we transferred to another service provider. 

Supervisors XXXX XXXX, and XXXX XXXX from XXXX can verify what I have stated, my sister and I had dealings with them both at the ending of our contract in XX/XX/XXXX. 

This XXXX XXXX, has never contacted me regarding this fraudulent collection account prior to them placing this fraudulent debt on my credit files. 

Just a few months ago, I had to get my attorney involved, because XXXX had, had another collection agency to place this same fraudulent debt onto my credit files, and my attorney had contacted the other collection agency to remove the fraudulent collection from my credit files, or be sued. 

This XXXX XXXX is tarnishing, and ruining my credit rating by placing this fraudulent collection debt onto my credit files, and I want this fraudulent debt removed from my credit files immediately, and I want hard copy proof on their letterhead that this has been done. 

I would also like proof that they are licensed to collect in my state, as well as I would like them to provide their license numbers and Registered Agent documentation. 

I want XXXX XXXX, to cease and desist, I do not owe this fraudulent collection debt, or I will seek legal action against them. 

I want XXXX XXXX to reply directly back to the Consumer Financial Protection Bureau, and the Consumer Financial Bureau can contact me. 
This foolishness has to stop, and I want the Consumer Financial Bureau involved every step of the way.

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