BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-10-10
Company: Netspend Corporation
State: CA
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 items 4 wigs online with my pre-paid card - NETSPEND credit card # XXXX in XXXX, 2020. However, I did never get any of my orders from XXXX XXXX. I tried several times to contact XXXX  to report the situation. During, several times, they sent me an email of with wrong tracking number with XXXX and XXXX. After, several months, of going back and front to the post office and XXXX, I was informed that thoe tracking numbers given to me does not exist. 
Again, I started calling XXXX  to notify them about the fraudelent non-existing tracking number given to me. Also to inform XXXX  that I have not yet recieved my orders. It took me about 8 times unsuccessful phone calls to get in touch with this company. I went on their website to complete a form requesting for refund. No response, until several months went by, I finally got response from the company claiming that they have delivered all my orders to me. I tried contacting them, however was unsucessful on 3 attempts. I contacted my bank Netspend to file a claim. 
All of the above informations were explained. I was given claim # XXXX. 
After, my bank contacted XXXX, they were able to send me 2 out of the 4 wigs ordered. I called my bank Netspend notified them, that they sent me 2 wigs, rather than the 4 wigs ordered. That, I still want remaining refund {$140.00} credited to my account.

They told me that they have started claim and will ensure to get my refund of the 2 remaining wigs. I have contacted NETSPEND for about 10 times, and as of today, no response recieved from NETSPEND. I had recieved call from XXXX  informing me that refund has been made to NETSPEND. As of this day, NETSPEND had not issued my refund or made attempts to assist to get my money back.

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 2018-04-14
Company: HYUNDAI CAPITAL AMERICA
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 information incorrect

Complaint:
I currently have a auto loan with XXXX, and I wasnt aware until Saturday XX/XX/2018 that my balance and payments has not been updated in one year, and due to this I was denied an auto loan with XXXX, including trading my current car because XXXX thinks Im one year late and my car is in repo status. It also shows my first auto loan with XXXX, that i only made 5 payments and i had the car for approximately 15months. So this isnt reporting correctly from XXXX. With this being said, I need my old auto loan that was paid in full and no late payments and my current auto loan with XXXX   updated, with all payments and current balance to all 3 credit reporting agencies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
I had a Capital One Credit Card that was open from XX/XX/XXXX-XX/XX/XXXX. I went through a financial hardship in XX/XX/XXXX and in XX/XX/XXXX. I was diagnosed with XXXX XXXX and had to miss work on these two separate dates for a hospitalization and was late on 2 payments in the amount of {$37.00} and {$40.00}. I since closed the account in good standing.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-14
Company: EQUIFAX, INC.
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 information incorrect

Complaint:
I currently have a auto loan with XXXX, and I wasnt aware until Saturday XX/XX/2018 that my balance and payments has not been updated in one year, and due to this I was denied an auto loan with XXXX, including trading my current car because XXXX thinks Im one year late and my car is in repo status. It also shows my first auto loan with XXXX, that i only made 5 payments and i had the car for approximately 15months. So this isnt reporting correctly from XXXX. With this being said, I need my old auto loan that was paid in full and no late payments and my current auto loan with XXXX updated, with all payments and current balance to all 3 credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-14
Company: U.S. BANCORP
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: Account information incorrect

Complaint:
us bank is the problem i had gone in to be put on my mom 's account as a poa, they did not accept the legit paperwork but the problem is i told the branch office where i had been in the first place NOT to run my credit because i did not need a line of credit all i wanted was to be the poa for my mom, XXXX took it upon himself to run the credit report and he did not tell me. i saw it on my credit report for a XXXX line of credit, i closed that account right away i filed complaints with the credit companies explaining i never authorized this and now it has lowered my score and will stay on for several years, i have asked us bank to remove it completely from all credit bureau and they have not cooperated, i called the branch and i called the XXXX number on the credit report and nobody has responded back to me. 
us bank can not do that because i never authorized that. now they took it upon themselves not to put me as poa on my mom 's account and did this line of credit that i did not authorize and did it behind my back, i told XXXX DO NOT RUN MY CREDIT, i had no interest in a line of credit, they are not coorperating with taking this off my credit reports, us bank should be completely off 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
Consumer complaint received 2020-06-24
Company: EQUIFAX, INC.
State: AR
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 help my daughter get an apartment, while I was there, I was informed by management that I could not get her an apartment under my name due to not having good credit. After I left, I decided to pull my credit to see what the management lady was talking about and I was shocked with the outcome of my report. There are many items on there that do not belong to me. Please remove these items from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-15
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 made aware of an attempt to pull my credit by an unknown source on XX/XX/2020. Since I have not applied for credit recently I assumed this was fraud and intermediately froze my credit reports at all 3 credit reporting agencies. I also added fraud alerts to my credit reports. On XX/XX/2020 I started receiving alerts that a new account was added to my credit reports with Transunion and XXXX. The account was listed as XXXX and was opened on XX/XX/2020 and closed on XX/XX/2020. I immediately filed disputes with Transunion and XXXX  to have the account removed. Within 24 hours Transunion notified me that the account was verified and would not be removed. I also contacted XXXX at XXXX but they seemed disinterested in helping. This is not my account and is fraud and needs to be removed from all of my credit reports immediately. I will be contacting the local police and filing a 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 2020-06-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
I reached out to BOA on or around XX/XX/2020, and requested assistance due to Covid-19, related illness and requested : deferrment of payment, reduced monthly payment, waiving of any late fees durig the foreberance period. According to BOA an deferrment of payment was granted. Although I still made payment during this period BOA marked and reported the account past due to credit bureaus without explanation and consideration although a deferrment of payment was granted payment were still made during this period. BOA refused to correct the past due information with the credit bureaus. BOA is XXXX profiling consumers and intentionally lower credit scores of XXXX XXXX  credit card holders which is blantant XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-10-10
Company: CITIBANK, N.A.
State: SC
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
My credit card was stolen back in XXXX.. They refuse to send me a paper copy so I can dispute the charges. I have tried but they will not even discuss the account without the pin. They will not send the papers for me to dispute the charges and they ruined my credit! they closed my access to log in to try to dispute the charges!

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 2018-04-15
Company: Receivables Management Partners, LLC
State: MI
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:
I previously disputed this company as their livense was not valid in the state of Michigan. They just renewed their license. As a result of me disputing and filing a previous CFPB complaint they have now loaded a duplicate of the same collection that was not validated previously. This seems like a retaliation attempt of some sort. My previous complaint to the CFPB comments are below. Not if these accounts need to be deleted for failure to validate and verify, and for the duplicate request as retaliation. 

I have an existing account of my credit bureau file from XXXX XXXX XXXX. The account number is XXXX Please be advised that I am disputing this collection account due to the fact that XXXX XXXX XXXX does not have a valid license to collect in the state of Michigan.the image I am attaching shows their license is closed meaning not active according to XXXX- Michigans department of licensing and regulatory affairs. I am requesting that this be investigated and this account be deleted from my credit profile immediately or provide physical proof XXXX XXXX XXXX is licensed to collect in the state of Michigan.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-28
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:
sent the ftc violation and all the doc 's to proof that these accounts are not mine to the best of my knowledge XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$2700.00} {$2700.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KS XXXX  ( XXXX  ) XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$290.00} {$290.00} XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX {$6800.00} - - Installment Negative XX/XX/XXXX You have 9 Closed Accounts Account Name Balance Credit Limit Usage Type Status Opened On XXXX XXXX XXXX XXXX {$100.00} {$500.00} 20 % Revolving Negative XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$700.00} {$500.00} 140 % Revolving Negative XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1000.00} {$800.00} 130 % Revolving Negative XXXX XXXX XXXX XXXX {$14000.00} - - Installment Negative XX/XX/XXXX XXXX XXXX XXXX XXXX   {$4900.00} - - Installment Negative XX/XX/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 non-monetary relief
Consumer complaint received 2020-06-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
3 XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX are not my accounts never had them all these inquiries was not made by me please delete. I contacted companies and they said contact the credit bureau I didn't notice until now XXXX XXXX   Miscellaneous Individual XX/XX/XXXX XXXX XXXX Miscellaneous Individual   XX/XX/XXXX XXXX Banks Individual XX/XX/XXXX XXXX   Travel / Entertainment Individual XX/XX/XXXX XXXX XXXX XXXX Travel / Entertainment Individual XX/XX/XXXX XXXX  XXXX Banks Individual XX/XX/XXXX XXXX XXXX  Automotive  Individual XX/XX/XXXX XXXX XXXX XXXX Finance / Personal Individual XX/XX/XXXX XXXX XXXX Travel / Entertainment Individual XX/XX/XXXX XXXX XXXX XXXX Finance / Personal Individual XX/XX/XXXX XXXX Finance / Personal Individual XX/XX/XXXX XXXX XXXX XXXX Banks Individual XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has 3 cards. I never had XXXX XXXX XXXX XXXX not mines XXXX Finance / Personal Individual XX/XX/XXXX XXXX  XXXX XXXX XXXX Finance / Personal Individual XX/XX/XXXX XXXX XXXX  2 Automotive  Individual XX/XX/XXXX XXXX XXXX XXXX Finance / Personal Individual XX/XX/XXXX XXXX XXXX XXXX/XXXX XXXX Individual 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 2018-04-15
Company: EQUIFAX, INC.
State: MI
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:
I previously disputed this company as their livense was not valid in the state of Michigan. They just renewed their license. As a result of me disputing and filing a previous CFPB complaint they have now loaded a duplicate of the same collection that was not validated previously. This seems like a retaliation attempt of some sort. My previous complaint to the CFPB comments are below. Not if these accounts need to be deleted for failure to validate and verify, and for the duplicate request as retaliation. 

I have an existing account of my credit bureau file from XXXX XXXX XXXX. The account number is XXXX Please be advised that I am disputing this collection account due to the fact that XXXX XXXX XXXX does not have a valid license to collect in the state of Michigan.the image I am attaching shows their license is closed meaning not active according to LARA- Michigans department of licensing and regulatory affairs. I am requesting that this be investigated and this account be deleted from my credit profile immediately or provide physical proof XXXX XXXX XXXX is licensed to collect in the state of Michigan.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-31
Company: DISCOVER BANK
State: SC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
Complaint filed on behalf of my daughter a credit card holder with Discover Card.Discover issued my XXXX XXXX XXXX a card with a {$20000.00} limit -with a 20 % interest rate on reviving balance. My daughter 's income has always been around {$50.00} to {$55000.00} per year. She ran up more than {$17000.00} in charges and ignorer not to be delinquent used savings just so she would never be late with a payment. She depleted her savings. Discover recommended her to a credit counciling company -- XXXX who got Discover to reduce the interest rate to 9.9 % with a {$450.00} per month payment to XXXX plus XXXX charged her {$100.00} per month fee. My daughter has " issues '' both XXXX  etc which caused her to accumulate a credit debt of {$38000.00}. Discover is complicit. They act like a " shylock '' - the only difference is they XXXX XXXX XXXX XXXX XXXX for non payment they refer you to a consumer credit agency who gets the rate lowered for a fee. My daughter was considering bankruptcy and came to me with her problem because she needed {$4000.00} for a lawyer. I squelched the bankruptcy and got involved to pay off he loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-28
Company: CHECK INTO CASH INC.
State: VA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Struggling to pay your loan

Complaint:
The date my loan with Check into Cash Originated on XX/XX/XXXX for {$800.00}. The APR for this cash advance is 299.99 % I have paid this loan back and the interest. Check into Cash keeps on withdrawing money from my checking account. On their website it does not show the payments made just a balance of {$1300.00}. This company will call me at least 3 to 5 times a day and I have explained my situation of my financial hardship and I am willing to pay {$50.00}. I have had several of the representatives argue with me stating that an arrangement was not entered into their system, even though, I have made the payment of {$50.00} over the phone. Check into Cash had withdrawn money out of my account after I have asked them not to causing my checking account to be overdrawn. On XX/XX/XXXX, I spoke with a representative with Check into Cash who stated that although I paid over {$800.00} towards their loan, they have to make money too.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-01-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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 reviewed my credit report in found there was an inquiry for BOA on XX/XX/2020. 

I wrote Bank of America twice disputing the inquiry an requesting them to remove the inquiry from my credit Bank of America responded saying that had no evidence of inquiry however it is appearing on my XXXX credit report. 

Please review and remove inquiry from my credit report as I did not submit an application to Bank of America.

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 2020-06-24
Company: Experian Information Solutions Inc.
State: AR
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 help my daughter get an apartment, while I was there, I was informed by management that I could not get her an apartment under my name due to not having good credit. After I left, I decided to pull my credit to see what the management lady was talking about and I was shocked with the outcome of my report. There are many items on there that do not belong to me. Please remove these items 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
Consumer complaint received 2018-04-15
Company: AVANTE
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Dear XXXX XXXX After viewing a copy of my credit report, I noticed a collection account placed on my credit report from you in XX/XX/2018. I am requesting that you allow me to validate the alleged debt. I am unaware of any outstanding medical bills that I possess, and I am seeking the name and hospital/medical provider to which I owe the debt and a detailed breakdown of the fees that I owe. 

Additionally, I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I did not give permission to any of my current or prior medical providers to release any of my medical information to a third party. I am aware that the HIPAA does allows the release of limited information about me but anything more is to only be revealed with the patients authorization. Therefore, my request is twofoldvalidation of debt and HIPAA authorization. 

Please provide breakdown of fees including any collection costs and medical charges. 
Provide a copy of my signature with the provider of service to release my medical information to you. 
Cease any credit bureau reporting until the debt has been validated by me. 

Please send this information to my address listed above and accept this letter, sent certified mail, as my formal debt validation request, which I am allowed under the FDCPA. Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant can be a violation of the FDCPA because you will be deceiving me after my written request. I request full documentation of what you received from the provider of service in connection with this alleged debt. 

Additionally, any reporting of this debt to the credit bureaus prior to allowing me to validate it is a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agency. I will await your reply with above requested proof.

Company response to consumer: Closed with explanation