BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-10-21
Company: Netspend Corporation
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
In early XX/XX/XXXX 2020, after viewing my statement from Netspend XXXX I determined that my card ( and therefore my account ) had been debited without my authorization. There were several charges that were unauthorized that were posted on my account. Within hours of observing and determining that such activity occurred on my account I cancelled my card through Netspen XXXX website ( self service portal ) due to the fact that their customer service hours were severely limited. Furthermore, as soon as it was possible I made aforementioned bank aware of the unauthorized activity on my card and provided them with all information that I had with regards to aforementioned unauthorized charges. 

Netspend XXXX took some time investigating my claim. On XX/XX/XXXX aforementioned bank provided me with a provisional credit for about half of the amount that was charged un-authorized. Soon thereafter they informed me that the remaining charges were not in error and therefore would be credited. ( I assume when they state there was no error that they are claiming that the charges were authorized. ) They also stated that they would gladly send me the documents that they used to make this determination. I gladly accepted and request aforementioned documents. Subsequently, I requested these documents three more times and as of XX/XX/XXXX they have never been received. 

Subsequent to the XX/XX/XXXX provisional credit, I was informed on XX/XX/XXXX that the provision credits, ( which were about half of the total amount of unauthorized charges ) that was provided were mostly be reversed and that Netspend XXXX found that error did not occur. Once again no documents or information besides denial were given. 

Many calls to the organization end with my claim will be given to a specialists who can not speak on the phone ( back office. ) It appears that every attempt to seek further information or clarification on this matter is blocked. 

The charges that I informed Netspend XXXX about ( which were NOT authorized by me ) were infact unauthorized charges. Netspend XXXX while operating within the terms of their agreement with me, may in fact be in violation of Regulation EXXXX Therefore, it is demanded that Netspend XXXX review reconsider and change their determination with concerns to claim XXXX. 






Account No. 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 2017-12-21
Company: The Thomas Agency, 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 have sent debt validation letters to the company asking for proof of debt and have yet to receive a reply from any of the letters that I have sent via certified mailed. I first contacted them back in XXXX and recently I have found that they are not authorized to Collect Debt in the STATE OF FLORIDA WHICH REQUIRES THEM TO BE LICENSED, BONDED AND INSURED.

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 2020-10-21
Company: Lending Club Corp
State: UT
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
I took out a loan to pay bills off and get things in a better position. I had been paying the loan and keeping it current. Then as Covid hit, I was unable to get paid. I am a real estate broker and I had spent the winter working in XXXX XXXX XXXX to make more money to pay off more debt. XXXX XXXX deal do not pay until the business can open. Supplies became short in XXXX and by XXXX, the government had flat out said that they were not allowed to open. 

I tried to speak with the reps that just wanted to yell at me to give them a date of when I would get paid, which I did not have due to Covid and nor did I have any idea of when I would be able to get paid. When they opened Covid help applications, I applied several times, having my applications deleted several times and then being told I was not eligible but no one would tell me why. 

SBA Loan and grants went into pending statues, then XXXX came active, but it was still really slow. As soon as I received my PPP I called immediately to put the account current and they had decided to charge off the account that day & refused to work out a settlement with me. By the end of the day of arguing with them to work out a plan, a rep had me set up an auto draft of payments for {$250.00} dollars a month while a settlement could get worked out. This was in XXXX. 

During that time, they failed to report I was in a payment arrangement and making payments, instead, continued to report negative on my credit. 

I have made many attempts to settle this account in exchange for them correcting the damages to my credit from Covid19 since they offer Covid help to other members. They have refused to give me their Covid requirements or tell me why I was not eligible for Covid assistance.

My most recent 3 attempts were onXX/XX/2020 - 2 via phone calls & 1 via email. I offered yesterday to pay the entire account in full in exchange for my credit to be corrected or the account to be straight removed due to their lack of Covid assistance, refusal to give me copies of the contract and refusal to give me copies of the XXXX assistance requirements & for mis-reporting to my credit from XXXX to current.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-15
Company: U.S. BANCORP
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
On XX/XX/2019 usbank froze my account they informed me that I would have to wait until XX/XX/2019 to receive my funds when they closed the account. So I waited and today XXXX they still denied me access to my money telling me I have to wait until XX/XX/2019. I have waited a month already. I need my money.this is way to long.

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 2023-11-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA
Product: Credit card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I have had autopay set up on my credit card for years. Recently capital one changed something in their processing and for 3 months my auto payments did not go through. I was never notified and eventually a third party app XXXX XXXX XXXX XXXX made me aware of the missed payment. I immediately called capital one and made sure the autopay was on and the payments would start being processed again after they changed their system. Now my XXXX XXXX has been affected due to capital one changing their system and me not being notified. After years of not missing a payment, this happens and now my XXXX XXXX has dropped over XXXX points. I was never contacted by capital one or given any notification. I don't think my XXXX XXXX should be affected because they changed something in their system that no longer allowed my auto payments to go through. Especially after years of always paying on time and this is the only credit card I had an issue with.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-02
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 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 ) I am writing to request the method of verification for dispute initiated on XXXX  XXXX, XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, XXXXon 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNT 1. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance 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 2018-04-19
Company: Experian Information Solutions 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:
I was told by a representive of XXXX XXXX that my account would be changed to Current never late but it has not been changed on ny credit reports. I need this to be changed I was late do to Hurricans daughter was hurt in Hurrican Harvey had to go to Texas then our house was hit by Hurrican Irma causing damage

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 2018-08-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Between the dates XX/XX/XXXX-XX/XX/XXXX Capitol One continued pulled my credit without permission. There are a total of 3 hard pulls on my credit. I was advised there would be no hard pull on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-21
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: Public record information inaccurate

Complaint:
This company has failed to provide documentation on how this item is verified on my credit file. I have sent them multiple documents showing that this information is inaccurate and does not belong on my credit report. On XX/XX/2020 I sent over a copy of each of my credit reports from XXXX  and XXXX  showing them the incorrect information did not match so how was it verified as accurate? They failed to remove the item and it is still reporting the wrong information. I reached out to their vendor XXXX to have the item investigated and they could not find this bankruptcy as a result of their reinvestigation. Transunion is stating that XXXX quote on quote certified it as accurate. XXXX sent a dispute over on my behalf XX/XX/2020 to have this information removed and transunion refuses to remove it. And still stated that XXXX  XXXX  verified as accurate in XXXX. How is that possible when the dispute came from their company on my behalf? You have also not shown proof of how it was verified and what documentation was used. Transunion is aware that I have a mixed file and they still refuse to remove this erroneous unverified bankruptcy from my credit file.

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 2022-01-17
Company: Radius Global Solutions LLC
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Debt was paid to Radius Global solutions and is still on credit 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 2017-12-17
Company: Midwest Recovery Systems
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, IL XXXX XX/XX/2017 MIDWEST RECOVERY SYSTEMS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX RE : Account # Unknown To Whom It May Concern : This complaint is being filed against your company you due to your erroneous reporting to the Credit Bureau { s }, the highly negative impact on my personal credit report. Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b } that your claim is disputed and validation is requested. 

This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. 

Please provide me with the following : What the money you say I owe is for : Explain and show me how you calculated what you say I owe : Provide me with copies of any papers that show I agreed to pay what you say I owe : Provide a verification or copy of any judgment if applicable : Identify the original creditor : Prove the Statute of Limitations has not expired on this account : Show me the you are licensed to collect in my state : Provide me with your license numbers and Registered Agent or Agent of Service : At this time I will also inform you that if your offices have reported invalidated information to any of the 3 major Credit Bureaus { XXXX, XXXX or XXXX  } this action might constitute fraud under both Federal and State Laws. Due to this fact, if any  negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate to bring legal action against you for the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character If your offices are able to provide proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information and during such time all collection activity must cease and desist. 

Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes listing any information with a credit reporting repository that could be inaccurate or invalidated or verifying an account as accurate, when in fact there is no provided proof that it is accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
I filed a complaint with the XXXX regarding BofA and their continued allowance of charges on a cancelled credit card. They also didnt provide access to bill from that card ( despite allowing charges ). This was referred to you. They said they would contact me but I continue to receive bills without contact. 

Today, someone called me and purported to be from BofA. They asked me for significant information including portions of my ss #. When I asked them to satisfactorily verify that they who called me werent a scammer, they refused without the Social Security info. They then hung up. If this really was BofA, it seems unreasonable to call me and expect me to then provide my personal info without first verifying their identity. Plainly, no one should give their ss info to a random caller.

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 2022-01-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
Someone used my identity to create a XXXX XXXX credit card account on XX/XX/XXXX. This account was used to purchase 2 XXXX  game consoles from XXXX and 2 XXXX  game consoles from XXXX. 

I called XXXX XXXX on XX/XX/XXXX, explained the situation to them, and asked them to close the fraudulent account and remove the item from my credit report. I was assigned case # XXXX. 

On XX/XX/XXXX I mailed a completed " fraud packet '' to XXXX XXXX. 

On XX/XX/XXXX I left a message for XXXX XXXX 's ID theft department ( XXXX ), asking them to close the fraudulent account and remove the item from my credit report. 

On XX/XX/XXXX XXXX XXXX ( XXXX XXXX representative ) and I got XXXX XXXX on the phone, and we were told to send an email to XXXX, which I did the same day. 

On XX/XX/XXXX I received XXXX XXXX letter, dated XX/XX/XXXX, indicating Our investigation confirmed someone using your personal information fraudulently opened the account ending in XXXX. 

XXXX and I tried repeatedly between XX/XX/XXXX and XX/XX/XXXX to talk to XXXX XXXX to get them to remove my account information from my credit reports, but we were unsuccessful.

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 2023-10-31
Company: Bread Financial Holdings, Inc.
State: TX
Product: Credit 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:
Comenity bank is supposed to award me {$200.00} cash back after {$1000.00} spent according to a preapproved promo mailer. 

They keep getting it wrong and have not awarded me my money. 

Tech difficulties with their portal also prevent messages from being sent.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-16
Company: Midwest Recovery Systems
State: LA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Midwest Recovery Systems never sent me anything in writing about a supposed debt that is past the statute of limitations in my state of Louisiana. Also, they were rude and verbally abusive when contacted by phone. This company refuses to answer in writing and wrongly claims that the debt is mine. I've asked for validation and they refuse. I'm requesting the removal of this fraudulent account from all three credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-03
Company: TD BANK US HOLDING COMPANY
State: NH
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I responded to a XXXX XXXX advertisement about a room for rent. I got in contact with the owner who told me his name was XXXX XXXX. He wrote up a rental agreement and we both signed it. He then had me XXXX him {$1000.00} for a security deposit and first months rent. A different name of XXXX XXXX showed up in the bank statement ; so thats when I knew that he was lying about his name. The XXXX advertisement had then been taken down and he has blocked my number.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-21
Company: John C. Heath, Attorney at Law, PLLC
State: NV
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Due Amount- {$1200.00} Settlement Amount- {$500.00} ( TillXXXXr XXXX ) We already contacted you several times regarding your unpaid loan account but failed to receive any response from your side. 

We are ready to file a lawsuit against you and report this to major credit bureaus and inform the IRS regarding this lawsuit. 

You will have to face severe consequences like : 1.You might be immediately sacked by your employer as they will be notified. 

2.Your credit will be ruined. 

3.Your wages can be garnished. 

4.Your bank accounts/credit cards will immediately freeze. 

5.The IRS will put a hold on your Tax return. 

Before proceeding ahead, this is yourfinal chance to settle this debt outside the courthouse. 

We just want to know your clear intention in regards to the above mentioned loan account whether you are willing to take care of it or not? 

That is word for word the email I get minus the account number. It says its for a loan company I never even heard of. They email me constantly. Its never phone calls. It's the same generic email. 

The emailed dates are XX/XX/20, XX/XX/20

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-02
Company: BMW Financial Services NA, LLC
State: CO
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 have disputes the accuracies of the reporting for both accounts I have with this company. I sent dispute letters XXXX XXXX,2018/ XXXX XXXX2018,  XXXX XXXX 2018 and XX/XX/ 2018. All of which I still havent received a response. This is way past the 30 days the company has to respond

Company response to consumer: Closed with explanation