BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-04-16
Company: Bread Financial Holdings, Inc.
State: IN
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I have two accounts with XXXX XXXX. However, XXXX XXXX has completed an illegal search of my family members and is harassing them. XXXX Is call my senior family members 4 to 6 times a day SIMPLY because the persons share my last name.

Note that The family members are NOT listed on my accounts, anywhere.

The family members are NOT authorized to use my account.

The family members do NOT have accounts with XXXX.

I have never lived at the addresses of the family members The family members phone numbers were NOT provided to XXXX XXXX   by me.

XXXX XXXX has all my contact information.

The senior family members simple share my last name.

How is it acceptable to harass seniors because they share my last name?

Calling 4 to 6 times a day, for no reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Confusing or missing disclosures

Complaint:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against 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 2023-02-13
Company: Paypal Holdings, Inc
State: IN
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
I sold a piece of equipment thru paypal. The forced the buyer to use echeck because of the amount and then placed a hold on the funds until XX/XX/13, citing the amount as the reason. Both the seller and me tried to cancel the transaction as he needed the equipment and I needed the money before XX/XX/13. Paypal would not allow us to cancel the transaction. After multiple phone calls and messages on XXXX I called paypal and told them I was going to lose the sell because the buyer needed the equipment for a job the next day and I didnt want to release it without the money. I was told I should release the equipment and that my money would be released by XX/XX/13. My other option was to pay for paypals ridiculous shipping prices so they could track it and they would release the money. It is now XX/XX/13. The buyer has the equipment and I still dont have the money. I was told this morning that it would be released today by XXXX. it is now XXXX and it still has not been released.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-05
Company: Netspend Corporation
State: IN
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting, activating, or registering a card

Complaint:
I am disgusted that your agency allows companies to misleadingly send advertisements for prepaid cards in the mail to unsavvy consumers. I received what looked like a credit card in the mail with the standard e-mail land phone number on it to activate the card. But this was not a card for an account I have. It was an advertisement for a prepaid debit card that was designed to trick me into activating it like a replacement card on one of my accounts. 

Why do you allow this? 

This scam card is from " Netspend Prepaid XXXX '' from " XXXX XXXX XXXX, Member FDIC ''

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 2022-02-23
Company: NRA Group, LLC
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:
i disputed incorrect items on my credit report and its past 30 days and i havent recieved and results from this investigation.

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 2019-11-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am a victim of identity theft and submitted documentation to TransUnion about account XXXX XXXX XXXX   XXXX. The account was blocked and removed from my credit file only to report again with a remark " Account information disputed by consumer, meets FCRA requirements ''. XXXX XXXX XXXX or TransUnion has not provided the documents and other evidence to disregard my identity theft report. If XXXX XXXX XXXX can not provide original documentation of when where and how this account was opened. This account should be removed immediately. If account has not been removed from my credit file I will sue both TransUnion XXXX XXXX XXXX XXXX in small claims court for FCRA violations and punitive damage. I demand that TransUnion XXXX XXXX XXXX XXXX send all documentation they used to verify account 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 2019-11-06
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
AFTER RECEIVING A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIES THAT WERE IDENITIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION FROM MY REPORT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I was looking at my credit report and noticed my credit score drop a lot and seen that I had two collections on my report that I didn't know about or authorized. One was for XXXX XXXX and one was for a XXXX account for the amounts of XXXX and XXXX. So I proceeded to contact XXXX and XXXX and the police department and also all three credit bureaus.

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 2019-09-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance and other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See also 12 C.F.R 226.12 ( b ). 

-CLOSED ACCOUNTS- 1. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/2016 with a credit limit of {$0.00} -This is not my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-26
Company: OPTUM BANK, INC.
State: TX
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
Have tried multiple times by phone and through the banks online contact page to get {$3000.00} in fraud charges removed from my HSA savings account. The bank issued a debit card on the account which I never received. I did get the card stopped, but the bank refuses to respond to the fraud reversals.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-24
Company: WELLS FARGO & COMPANY
State: CA
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:
Well my problem is I had a pre paid secured credit card. That i put XXXX dollars down to open it. An then i went to XXXX for XXXX. An when i got released I went to wells fargo that ive banked with since i was like XXXX an they told me they have closed my account due to falliar to pay my credit card bill while i was in XXXX the amount owed was like XXXX so they took my XXXX deposite an sent the XXXX somthing to collections. An i was XXXX from XXXX to XXXX pretty much. An when i tried to pay it they told me i needed a visa debit card with my name on it an that has beenalmost impossible to get cause XXXX  XXXX XXXX has me in XXXX XXXX for frauding them when Inwas XXXX an the bank i tried to get a saving account at said that it was wierd im in XXXX XXXX for frauding XXXX  XXXX XXXX but it didnt say for how much so he said that was strange an i might want to get a hold of your company to help me with my issues that someone has obviously cause me while i was in XXXX  I did have my wallet stolen out my car with my SSn an Id card in XXXX. So i dont know what to think or due an on top of it in XXXX I had an apartment that i moved out of an people broke into it an squated for 90 days mean while i was in a hotel an my complex manager saw me move out but still gave me a unpaid eviction even thow I was already out of the apartment that complex had more people squating inother. Apartments besides the one I was paying for on time every month ansome months id pay it like 3 weeks earlie never late does that sound like someone that would get a unpaid eviction on there credit report .So I need my XXXX XXXX XXXX fraud issue taken off XXXX  XXXX an I need that wells Fargo account opened so that intrest rate on that XXXX I spent that they didnt eventell me about taken off my report. I can provide dates were I was in XXXX or XXXX when most of this stuff happened.

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 2019-11-06
Company: CNG FINANCIAL CORPORATION
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
After obtaining the loan I had issues arise that caused me to change bank accounts. I have not yet faxed ( as that is the required method per the customer service rep ) my new banking information in. Last month I called and set up a payment to be processed and at that time asked that for any collection activity on my account they do not contact me on my work number. 

This morning I received a phone call from the collection department coming from the number XXXX XXXX XXXX XXXX XXXX on my work number. When speaking with them they stated that there were not any notes on the account indicating that I had asked for my work number not to be contacted, even though the last time I spoke with them they said they notated the account. At the start of the call they state that this is an attempt from a debt collector to collect a debt. This statement binds them to the FDCPA, which contacting me at work after I asked them not to is a violation. 

A second issue has occurred as well. When I viewed my loan online to set up an arrangement for payment I am provided with a link to use. Using that link requires a creation of an account, which I went through the first process of. Within two hours of going through that process I began receiving spam emails, texts, and phone calls. A total of 6 calls on Monday and 6 calls on Tuesday. Either my information has been sold or there is a sever data breach on their website.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-05
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NM
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:
On XX/XX/XXXX, Capital One sent me a notice that told me they were closing my account ending in XXXX. The only reason they gave is " this or another account is not consistent with our expectations for account usage and violates the Capital One Customer Agreement ''. I did not violate the Customer Agreement and this is discrimination. They are not allowed to close my account because it doesn't meet expectations for account usage. The notice said " Please stop using this account immediately and destroy any cards and checks associated with it ''. They advised me in this notice I am responsible for any balance there is. 

This is discrimination against me as a consumer and is in violation of 15 USC 1691 for closing my credit card account and denying me credit when applicant, myself, was in good faith and exercised my right. This is also in violation of 15 USC 1642, USC 1681, and 12 CFR 1002a, a creditor shall not refuse to grant an individual account to a creditworthy applicant. Capital One violated 15 USC 1691d ( 2 ) ( B ) because they took adverse action against applicant and they did not give proper written notification of adverse action which discloses proper information as stated in this law. They also violated 15 USC 1691d ( 3 ) because they did not provide a statement of reasons for the adverse action taken that contains SPECIFIC reasons for the adverse action taken. 

I sent two notices to Capital One requesting detailed information on why they turned off my credit card account and what exact part of the Customer Agreement they claim I violated. I did not receive any notice or information with my requests. Capital One ignored both notices. The first notice I sent them was on XX/XX/XXXX and the second notice was on XX/XX/XXXX. The second notice I also send an affidavit of fact to them along with an invoice for them to reimburse me for damage caused and penalties for violating my rights. As of today they have not responded. I am seeking my credit cards be opened again and usage immediately and my billed invoice be paid to me by check within 10 business days of them receiving this complaint. 

I am an XXXX XXXX XXXX XXXX XXXX XXXX and I use this credit card account for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I lost significant revenue for two times my truck was in need of repair and I was not able to get it fixed due to not having this card. Not only did this cause a loss of revenue but a lot of unnecessary stress and XXXX According to 15 USC 1691e, Capital One is liable to pay applicant {$1000.00} per violation and {$10000.00} in punitive damages.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-20
Company: CCF Intermediate Holdings LLC
State: TX
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
They approved without validation of income or proof repayment. They have me listed as making XXXX dollars a month.Im XXXX, and my business income was consistently going down I had multiple overdraft fees in both my business and personal accounts. My credit card usage went up, and my credit score went down drastically over the past year. I was desperate for income due to medical bills, and this is by definition, predatory lending.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-25
Company: Westlake Services, LLC
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Inquiries were not authorized by me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-06
Company: Resurgent Capital Services L.P.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Are reporting to credit Bureaus When I have numerous times in writing have disputed their right to collect and or report to the credit bureaus negative credit info on me.

I have asked for them to show proof they purchased this debt & the terms & amount of the purchase of this alleged debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-09
Company: FIRST NATIONAL BANK OF OMAHA
State: NJ
Product: Credit card
Issue: Delinquent account

Complaint:
credit card company is harassing me on my job, I do n't even know how they got the number they call our general number and have left messages with my coworkers which has caused me numerous issues.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-30
Company: AMERICA FIRST FEDERAL CREDIT UNION
State: CO
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
America First Utah XXXX closed my account I had for 35 years without a call to me. My direct civil service account is direct deposit. Once my wife called about the problem I changed to XXXX AFB but the problem becomes two fold. It doesnt take effect until XX/XX/2021 and misses 3 payments. I am without funds over the holidays for reasons unknown. The direct deposit is a 30 day delay and then it hits on the wrong date due to change thats 60 days without retirement pay. Someone really messed me over.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-18
Company: Patrick K Willis Company Inc
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
REF:XXXX This company has continued to harass my father, XXXX XXXX XXXX XXXX XXXX XXXX , XXXX XXXX. S.B. Investigative Services AKA Skip busters / Skip tracing Services seems to be a part of American Recovery Service and Patrick K Willis Company. My father had a breakdown from those illegal collection tactics. My father is a XXXX Veteran suffering from XXXX. They called him at all time of the night, and from private telephone numbers so we couldnt track the calls. 
I answered my fathers phone one time with a deep voice to make them think it was him. The caller said, you XXXX XXXX XXXX  will not pay your bills. I had to move him to the XXXX base in XXXX   XXXX with me to get him from these folks. I can not take this any longer. They are pushing the WRONG buttons with him. I have sent them a letter and begged them to stop these unethical collection tactics. Please make them stop, or send the owners to jail. 
Under the provisions of Public laws 95-109 and 99-361, known collectively as the Fair Debt Collections Practices Act ( F.D.C.P.A. ) I have formally notified them to cease all communications with him in regards to a debt that he is unaware of, or any other obligations that he alleges owe. 
Advise them if these collection attempts continue after receipt of this notice I will immediately file a complaint with the Federal Trade Commission, XXXX, and XXXX   Attorney General office. If he is contacted again after receipt of this complaint, I will pursue both criminal and civil claims against them and this company for violation of the F.D.C.P.A. They should be aware of this complaint going forward. I will confirm the delivery of this complaint. All future communications will be recorded. I will use it as evidence in my father claim against them. 
I will monitor any negative information appearing on my father credit reports about this account. If so, I will handle it with his full legal rights and use remedies available to him with regards to current consumer protection laws.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-30
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
My identity was stolen and a couples were made in my name due to wallet stolen and Equifax credit breach. I submitted all the information to show it was on there and they needed to be removed. Equifax said it was removed but it was still showing on my credit report. Also showing on XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-05
Company: PNC Bank N.A.
State: PA
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
1. My CD has matured and I clicked the link on the website ( and also the mobile app ) to close the account.

2. BBVA bank wanted to send a security code to my phone.

3. The phone number on file is a landline and can't receive text messages 4. When i tried to change the number, the bank wanted to verify be sending a text message to my landline, which can't be done 5. I called the bank, and 2 customer service people hung up on me after I explained the problem.

6. A third person understood the problem and told me he changed the phone number.

7. I received an email from BBVA indicating a phone number had been changed and the i would have to wait 24 hours to make any transactions.

8. I waited more than 24 hours.

9. The website still has the old phone number and won't allow me to change it.

10. I now have less than 7 calendar days to resolve this problem, but the bank is not providing me with any help.

11. Last year, I requested the account be closed and the money transferred, and they didn't do it, locking me in for an additional 12 months at 0 % interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-24
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I closed my Wells Fargo account back in 2018 because my account was always overdrawn by fees that would come out of absolutely no where! I also made a claim because at one point someone stole my bank card, and made purchases. The claim was denied and I was never credited the money back. Eventually this account went into collections because of all the fees and strange activity.

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