BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-10-25
Company: Netspend Corporation
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
NetSpend sent me two separate emails indicating that I should expect a credit card in the mail from them that they claimed I ordered. I did not order any such services, nor have I ever been a NetSpend customer. Upon contacting their dispute team to determine if my identity was stolen, they confirmed that the email was fallacious, and that it was merely a marketing campaign.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-25
Company: CITIBANK, N.A.
State: KS
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
On XXXX XXXX, XXXX I send a wire from XXXX XXXX XXXX to Citibank in XXXX. The money was to be available on XXXX XXXX, XXXX ( or earlier ) for {$XXXX} USD. This money has not been deposited or returned to me as of XXXX XXXX, XXXX. The individual has asked that the money be returned for the last three days. XXXX XXXX XXXX has asked that the wire be returned by it has not received an answer and has asked again. The money is being held by Citibank without it coming back to me or the individual. I have the individual at the name that is receiving email from the person who was to receive the money.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-25
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:
With reference to Claim Number XXXX Account Number XXXX Original Creditor Name : XXXX XXXX XXXX XXXX Original Creditor Account Number : XXXX With reference to Claim Number XXXX XXXX XXXX XXXX ( collectively XXXX ) was ordered by The Consumer Financial Protection Bureau to provide relief as part of a consent order. 
As a part of the above mentioned ordered XXXX was ordered to request the credit bureaus to delete all trace lines related to disputed accounts. 

Please be advised that remnants of this disputed account is still a part of my Experian credit record. 

I have written to Experian requesting that the account be deleted, but to no avail. Thus I am submitting this new complaint to have this issue resolved once and for all

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 2019-06-29
Company: EQUIFAX, INC.
State: FL
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:
Equifax is reporting a fraudulent account. I have disputed this account for identity theft. XXXX used my personal information to formulate a fraudulent debt. I have no current relationship with XXXX. FTC outlines identity theft as when a person or business uses your information for illegal purposes. I have requested NUMEROUS investigations on this account and I have not received ANY documentation from the credit bureaus in regards to this fraudulent debt. According to the FCRA laws, a consumer ( me ) has the right to request how the debt was validated with the credit bureaus. XXXX deleted the account and Equifax has yet to follow suit, however are governed by the same laws. 
XXXX is paying Equifax good money in exchange to reporting inaccurate fraudulent accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
On XX/XX/XXXX I disputed negative accounts that were listed on my credit report with transunion as well as the other bureaus since then there had been two disputes closed out without any information sent to me from Transunion regarding transunion investigations, the information I submitted for removal has not been addressed and it has been way over 40 days and two full months that Ive been disputing with them.they have failed to remove the negative accounts that were not mines or associated with me and that are on my credit profile.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-04
Company: Experian Information Solutions Inc.
State: NY
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:
1 am so puzzled of what is happening with you ( CFPB ) and the bureau ( EXPERIAN and XXXX ). I've submitted this complaint 3 times & you are claiming its being submitted by someone other than me or that there is no file on record. Seems like a lot of passing the buck or no accountability. Whatever the reason, It's driving me up the wall. The account listed below was opened due to identity theft. I've provided you ( CFPB ) & EXPERIAN and XXXXwith an affidavit & FTC fraudulent report to support my position. It seems EXPERIAN and XXXX is violating FCRA sections 611, 616 & 617. They have provided ZERO VERIFIABLE PROOF & I feel are willful noncomplying and being truly negligent. I'd like the account blocked or removed based on 605b. This is my final request before I get my attorney involved because this matter has been creating an insane amount of emotional & physical distress. It's caused me restless nights & has caused me to miss work. My attorney told I should just sue for violations in FCRA laws. I'd prefer to NOT get litigious. Please see this matter is handled. I'd like the account removed/blocked per 605b with the attached documents again... Thanks 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 non-monetary relief
Consumer complaint received 2020-04-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I deposited a check into my checking account and for some reason the check was being Questioned I had someone from the company I work for in the payroll department call the bank to verify the check. 

the information was verified but someone from the security team at the bank did not lift the freeze off my account I've been really having a hard time with the associates that works for the bank and they are very rude constantly keep asking me the same series of Questions just making my banking experience very horrible.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-04
Company: EQUIFAX, INC.
State: NY
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:
1 am so puzzled of what is happening with you ( CFPB ) and the bureau ( XXXX and EQUIFAX ). I've submitted this complaint 3 times & you are claiming its being submitted by someone other than me or that there is no file on record. Seems like a lot of passing the buck or no accountability. Whatever the reason, It's driving me up the wall. The account listed below was opened due to identity theft. I've provided you ( CFPB ) & XXXX and EQUIFAXwith an affidavit & FTC fraudulent report to support my position. It seems XXXX and EQUIFAX is violating FCRA sections 611, 616 & 617. They have provided ZERO VERIFIABLE PROOF & I feel are willful noncomplying and being truly negligent. I'd like the account blocked or removed based on XXXX. This is my final request before I get my attorney involved because this matter has been creating an insane amount of emotional & physical distress. It's caused me restless nights & has caused me to miss work. My attorney told I should just sue for violations in FCRA laws. I'd prefer to NOT get litigious. Please see this matter is handled. I'd like the account removed/blocked per 605b with the attached documents again... Thanks XXXX XXXX XXXX XXXX XXXX. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-25
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
This company has contacted me via phone every day, several times a day for months but never leaves a message. I know no one at this number. I would prefer the calls stop immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-24
Company: U.S. BANCORP
State: MN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
I reported unauthorized charges on my account and there was also late reporting of late payments to credit bureaus which I disputed. I order a new card replacement after the dispute and have not received one for months. 

There is also random charges when there was not a balance on the account. 
XXXX/XXXX/XXXX Minimum Interest Charge Fee {$2.00}  XXXX/XXXX/XXXX Late Fee - Payment Due On XXXX {$2.00}  XXXX/XXXX/XXXX Interest Charge On Cash Advances {$2.00}

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 monetary relief
Consumer complaint received 2022-04-04
Company: ENCORE CAPITAL GROUP 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: Their investigation did not fix an error on your report

Complaint:
Called the company on several occasions. XXXX, XXXX and XXXX. Given the runaround about proof of account and actual balance. Unable to get anything in writing. Called back again and was told they had my email wrong. After waiting several weeks, I still received no proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-24
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
I'm just trying to use Experian boost to see if I can recover any of the nearly FIFTY points Experian has dropped My score in the last two weeks ... with paid off credit cards, no delinquent payments, income going up ... two other credit bureau scores INCREASING ... and I get told 'try another way ' ... really ... what ELSE do I have to try??? I've done app, web via phone, SEVEN DIFFERENT browsers on My computer, and customer service ... who hung up on Me @ approximately XXXX XXXX  central  ... I'm not impressed with Experian, and I'll save this post so when you delete I can decide what if anything to do next, without having to type it out again ... to say My experience is terrible is to understate the obvious ... 
failing recovering any of those points, I'd like to at least see WHY Experian is so incredibly out of line with the other two major bureaus ... I'm getting NO help from them

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-24
Company: Genesis Credit Management, LLC
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I received a call today, XXXX XXXX, 2017 at approximately XXXX MST from a woman saying she was calling from " XXXX XXXX She claimed to be collecting on a debt from my old child care provider, XXXX XXXX located in XXXX, AZ. I was in complete shock because this was my first time hearing about this, I have never received any noticed that I owed my child care  anything. She gave me an amount to pay of {$600.00}. I told her that I was disputing this claim, and not to contact me until I send it in writing. She told me that she was going to continue to contact me even if I was disputing this claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-14
Company: FIRST CREDIT FINANCE
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
I had a car loan for a XXXX XXXX XXXX with First Credit Finance that was repossessed in XX/XX/XXXX. This car was sold on or before XX/XX/XXXX. I was never provided any information as to the sale of this vehicle or any deficiency balance or credit as it is stated in California law Civil Code section XXXX reads : " Any provision in any conditional sale contract for the sale of a motor vehicle to the contrary notwithstanding, at least 10 days ' written notice of intent to sell a repossessed motor vehicle must be given to all persons liable on the contract. The notice shall be personally served or shall be sent by certified mail, return receipt requested, directed to the address of the persons shown on the contract, unless such persons have notified the holder in writing of a different address. The notice shall set forth that there is a right to redeem the motor vehicle and the total amount required as of the date of the notice to redeem ; may inform such persons of their privilege of reinstatement of the contract, if the holder extends such privilege ; shall give notice of the holder 's intent to resell the motor vehicle at the expiration of 10 days from the date of giving or mailing the notice, or if given by mail and either the place of deposit in the mail or the place of address is outside of this state, the period of notice shall be 20 days instead of 10 days ; shall disclose the place at which the motor vehicle will be returned to the buyer upon redemption or reinstatement ; and shall designate the name and address of the person to whom payment shall be made. During the period provided under said notice, the person or persons liable on the contract may pay in full the indebtedness evidenced by the contract. Such persons shall be liable for any deficiency after sale of the repossessed motor vehicle only if the notice prescribed by this section is given within 60 days of repossession and includes the following .... 

I reached out to XXXX XXXX on the following dates via phone, email, letter, certified letter and XXXX : XXXX phone & XXXX email, XXXX XXXX email, XXXX ( XXXX XXXX, XXXX XXXX sent certified leter ), XX/XX/XXXX ( XXXX  automatic resend ), XX/XX/XXXX ( XXXX  automatic resend ), and again today XX/XX/XXXX. 

They have yet to provide any documentation in writing that substantiates this balance on my credit report of {$5900.00} or {$9500.00} ( experian ). The first three email requests were sent prior to me learning about the California law Civil Code section 2983.2 ; which they never gave me an answer to and has called me twice when both the certified letter ( which they signed ) and my text messages stated I wanted all information in writing.

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 2019-06-29
Company: CCS Financial Services, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I had car insurance with this company in the past. However, after several months paying monthly bills, they decided to stop my insurance because license plate belong to other state on 1 of 3 vehicles in policy. Ive called them to make some kind of arrangements but they were not helpful and decided to cancel policy. I made a decision to insured my vehicles with another company. This is why i dont agrre with them charging this amount when it was them who canceled with no alternative given.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
Notice, it is a fact, that, I, XXXX XXXX have been a victim of practices that violate my rights as a consumer. 

Notice, it is a fact, that, I, have made many attempts in good faith to remove the accounts listed from my consumer report and the accounts have remained for over 12 months. 
Notice, it is a fact, that, I, have been denied the right to travel using a vehicle because these accounts remain on my consumer report. 
Notice, it is a fact, that, I, have been denied a home due to the fact that I have these accounts on my consumer report. 
This entire process has caused me nothing but stress and hard times enduring these denials. Not only for me but my family as well. These bureaus have been in the wrong and are breaking the law!!! Accounts that have been removed have been laced back on my account. If one bureau removed everyone has to follow! I threatened to send my certified mail stamps and documentation to CFPB and they finally removed the accounts but the accounts reported right back on my account! These accounts need to be removed, If these accounts are not removed. I will use my documentation and the law to pursue remedy for each violation which is well over {XXXX} that I have counted in this last year since each violation is worth {XXXX}. I never authorized any credit bureau to furnish a report on my behalf so you are committing identity theft. This is my last time contacting your bureau in good faith. 
If they are not removed, I will no longer extend my credit or allow XXXX, to furnish a report for me. I would like to state that pursuant to 15 USC 1681 ( a ) ( 1 ) that the banking system is dependent upon fair and accurate consumer reports. By XXXX, allowing these inaccuracies to be furnished on my consumer report it has cost me to lose confidence in the banking system. If XXXX, and XXXX wants to continue doing business with me they should delete this inaccurate from my consumer report like transunion has.

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 2021-05-14
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: Investigation took more than 30 days

Complaint:
There are 2 negative items on my credit reported that I wrote dispute letters to all three major bureaus dispute letters to and none of them have responded back to me and it has passed the 30 day mark. By law they have to remove these items off of my report now.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Claim submitted on XX/XX/XXXX Claim ID # XXXX My name is XXXX XXXX ( XX/XX/XXXX ) I submitted a claim due to the fact that my debit card was lost/stolen I followed all the steps the Bank of America asked I explained my story to about 5 different agents who all put different notes under my file after 10 business days they credited my account for the unauthorized transactions made to my account. 
Only for them to next re Open my claim and take the money back now my account is in the negative they did not give me a legit reason for them deny the claim when I did not use my card it has to be some proof they said they would look at the video surveillance I dont know if they did I did not use my card and I feel as though they did not make there decision correctly under REGULATION E It is a rough time for my family right now with me being out of work cause of convid-19 and I cant afford a major lost like this they credited my account then weeks later decided to take it back please help I have my income taxes coming to my account and my stimulus money but they put my account in negative by the money that I Go stolen out my account I am a victim of fraud and want justice

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-26
Company: BARCLAYS BANK DELAWARE
State: AZ
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:
This is an unauthorized and fraudulent account which was opened without my consent as I never gave permission for this to be opened. I did not agree to any membership, loan or credit card. I never gave authority to open such account, my personal information had been used to process transactions and open an account without my consent. It is unauthorized and I have never given permission for it to open and charged. Please remove this account from my credit report, all of the inquiries, and block them from placing these fraudulent account on my credit. This is a scam & I was defrauded. This inaccurate account is being reported in my credit records and is hurting my financial stability. I am a victim of fraud and theft. I already requested for verification of this account and send out disputes but did not received any validation. This willful neglect has not only caused much financial hardship, but is a direct violation of my rights under the Fair Credit Reporting Act. I need help in this situation because I can not refinance, or obtain new lines of credit.

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