BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-01-05
Company: Netspend Corporation
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble getting information about the card

Complaint:
Hi, My son had received a {$100.00} gift card from his school XXXX in XX/XX/XXXX. This is a netSpend XXXX Debit card and was bought from XXXX grocery store. The card was activated at the time of purchase. In XX/XX/XXXX when we tried to use the card we were unable to ( which my son wanted to use for XXXX ). So, I decided to register at netSpend.com add the card to see what was happening. I can see that a monthly fee of {$5.00} was being deducted and the card shows balance. However, it also shows the card is expired. When I attempt to call the card issuer on the phone number listed on the back of card, it does not recognize the card and does not allow reaching customer service. I tried reaching the customer service on the website but that does not allow reaching the customer service without completing a security profile. The website does not allow me to setup a security profile without a valid card ( unexpired card ). 

It is frustrating that there is no way to reach this company other than writing to them via mail. By the time my mail reaches them they would have deducted another monthly fee. My son is greatly disappointed that he can not spend a reward he earned from his school. The card shows a balance that is depleting every month, yet it shows it is expired. Attached are the statement from XX/XX/XXXX and also the card activation history and expiration date. This is pure deceit of unsuspecting consumers. 

I hope this company is banned from issuing cards that expire, especially when there is balance. I am sure there are many out there like us.

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 2022-10-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
An account on my consumer report is reported as charge off status and that should not be on my consumer report. According to the IRS any companies cancelled or charged off debts should be filed as a 1099-C and written off as income. By law its iiegal to to furnish this on a consumer report. I demand this account be removed.

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 2019-05-02
Company: Resurgent Capital Services L.P.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I, XXXX XXXX XXXX am disputing the ownership of account # XXXX that is being reported on my credit bureau accounts. 
This is being reported in two instances under XXXX XXXX XXXX and LVNV funding with the same account number, but different mailing addresses. 

I have no knowledge of either of these. 
Nor was I provided with documentation to prove ownership of the account. 
Secondly, I was never provided notification or given the chance to dispute this account before it was added to my credit reports. 

If these accounts are not verified with original documentation with signatures. Or proof that notice was sent to me to alert me that had 30 days to respond to the claims I would like these accounts removed from my profiles immediately. 

I have provided copies of the letters that I sent to the bureaus asking to remove these accounts but they have not taken action thus far.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-02
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:
I reached out to the Credit Bureaus multiple times to dispute some inaccurate accounts but have not received any correspondence from them concerning these issues. I sent letters on XX/XX/XXXX and additional letters on XX/XX/XXXX. Amounts are for {$13000.00}, {$9200.00} and {$22.00}, XXXX. I paid to have these items tracked on the second disputes because I never heard anything back and wanted to provide proof.

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 2021-12-21
Company: EQUIFAX, INC.
State: IL
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:
EQUIFAX has used my information improperly and it has caused me harm. EQUIFAX has reported a negative account on my consumer report from XXXX XXXX XXXX XXXX XXXX of the amount of {$1800.00}. This is a violation of 15 USC 1681c ( a ) ( 5 ), and therefore should be deleted immediately. I've sent a letter to EQUIFAX and they've responded stated that my dispute was verified. I've called and spoke to an EQUIFAX agent and the agent told me that EQUIFAX does not uphold to the Fair Credit Reporting Act when I discussed this matter with over the phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-03
Company: PNC Bank N.A.
State: TX
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/2021 {$500.00} XXXX some internet travel service fraud charge my card and i call number behind card and inform them the fraud and identity theft has occurred. They file dispute and charges was removed and they send me new card. 

They did not process it correctly how come the fraud purchase by XXXX XXXX XXXX was paid and now it Show as XXXX XXXX. The auto debit my Bank account today and i was shocked as according to PNC i donot owe credit card.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-02-03
Company: Experian Information Solutions Inc.
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: Reporting company used your report improperly

Complaint:
to account type. These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action 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 2021-12-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I called transunion multiple times and they stated all times that they will send my credit report but never have I been waiting for a month and 2 weeks for me to receive via mail.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-05
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: Account status incorrect

Complaint:
My complaint is against a company known as " XXXX XXXX XXXX , XXXX ''. This company is attempting to collect on a debt that has already been paid. When I called to get the information on the account they were extremely rude and misleading. First and foremost, the company did not provide validation of the debt even after I called them on and emailed them on XX/XX/XXXX. I sent them a receipt for the debt that was paid and when I paid it with XXXX XXXX. Secondly, I called XXXX  XXXX XXXX XXXX XXXX XXXX and had them confirm there was absolutely no other debt owed, or sent to collections. XXXX XXXX XXXX XXXX XXXX XXXX mailed me a document with all the account number showing everything has been paid and resolved. I am filing this complain because this needs to be removed from my credit as it is effecting me negatively. Especially in which the way they are reporting the trade line. This medical claim was back from XX/XX/XXXX, they have it reported as being opened on XX/XX/XXXX. Needless to say, this should be removed as I do not owe anything to this company.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-05
Company: Weinberg Mediation Group LLC
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Told you not to respond to a lawsuit they filed against you

Complaint:
On Tuesday, XX/XX/XXXX I recieved a call from a local XXXX, AZ number ( XXXX ) and because I do n't recognize that number I let it go to voicemail. An automated, computer generated voice left a message stating that I needed to call the Weinberg Mediation Group in regards to a matter connected to my social security number, and to call them at XXXX. 

I XXXX that number and found multiple reports of scam and harrassmenn calls reported about both of those numbers on various websites. I also found the address and phone number for the Weinberg Mediation Group, and the number on their website does not match the number I was told to call back on. I then filed a complain with the FTC about that matter, plus I emailed the Weinberg Mediation Group informing them that I filed an FTC complaint due to the appearance of someone spoofing phone numbers and then claiming to be their business.

Today, XX/XX/XXXX, I recieved a call from XXXX and as I was at work it went to voicemail. This time it was a person that left the message and it sounded like she said her name was " XXXX '' and that I was to call her at the XXXX number ext XXXX, in regards to a matter attached to my social securoty number at Weinberg Mediation Group. When I called back after I was off of work it went to voicemail, and then it sounded like she said her name was " XXXX XXXX. '' I tried to call the XXXX number with out using an extension and the system just hung up. 

I also XXXX the address that the Weinberg Mediation Group list on their website and it goes to a XXXX Store in XXXX, NY. 

I am sending a certified, signature required, return receipt requested to the address on Weinberg Mediation Group 's website that will be requesting all communications be through USPS certified mail, and validation proof of the debt, orginal debtor, all receipts and contracts paid to original debtor by all parties involved, and all amounts paid by all parties involved.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-04
Company: Gatestone & Co. International Inc.
State: MS
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Gatestone is repeatedly calling from different numbers, never leaves a voicemail and has n't sent anything to me via postal mail to let me know what business they allegedly have with me. They call from a XXXX number but the last four digits are always different. They 're doing this to evade their numbers being blocked.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-03
Company: Bread Financial Holdings, 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:
In the peak of XXXX, while I was in the hospital, I had fallen behind on payments with Comenity bank. I made a payment to get caught up. What I was never told was that my card had already been cancelled. My card had expired and I called to order a new one, I was told my account was no longer active. 

I have also pointed out to them that they are reporting my account incorrectly, and therefore, should be removed per FCRA regulations. On the attachments, you will see that Comenity Bank actually removed all positive payment history except for the two months in the middle of COVID. You will also notice I went from no payment history, to 90 days late in XXXX XXXX, to 60 days late in XXXX. 

The removal of positive payment history and only showing negative payments are not helping. Also, you can not go from not late to 90 days late. Furthermore, the deception I received when paying the card caused my date of first delinquency to get reset. 

At one point, Comenity was also reporting negative payments, collections at the same time as XXXX, which is also a FCRA violation. 

Finally, XXXX XXXX, whom Comenity sold my debt to during COVID, I have a payment agreement in place with, and I will be done with that arrangement in XXXX ( Just a payment due this month and XXXX left ). 

With all of this information, I would request that Comenity remove this tradeline from reporting agencies due to the numerous factors listed above.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-03
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 status incorrect

Complaint:
This company agreed to remove account from all credit reporting agencies if I would pay the account in full which I did. They are still report the status of the account as charge off. I had no knowledge of this account due to ex spouse and when I found out I called the company to pay IN FULL for the company to remove from all credit reports which they have not done and they still reporting negative information that is inaccurate. I have called this company numerous times and keep getting the run around. Please help me!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-21
Company: EQUIFAX, INC.
State: AL
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:
XX/XX/2021 Certified Letter Sent to Bureau Proof of Identity Theft and Demand for Removal XX/XX/2021 Requested Response Letter Sent to Bureau Follow Up on Demand for Removal XX/XX/2021 Final Notification and Demand for Response My name is XXXX XXXX. I am speaking on behalf of myself and no one is speaking for me. I have contacted via certified mail Equifax, Equifax, XXXX on XXXX separate occasions with no response or removal. This is a direct violation of 15 USC 1692 ( g ) Validation of Debts and FCRA 605B, 615 ( f ), and 623 ( a ) ( 6

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 status incorrect

Complaint:
This company agreed to remove account from all credit reporting agencies if I would pay the account in full which I did. They are still report the status of the account as charge off. I had no knowledge of this account due to ex spouse and when I found out I called the company to pay IN FULL for the company to remove from all credit reports which they have not done and they still reporting negative information that is inaccurate. I have called this company numerous times and keep getting the run around. Please help 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 2017-07-15
Company: AMERICAN EXPRESS COMPANY
State: GU
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Wrong amount charged or received

Complaint:
I tried this already and never solved. American Express discriminated me when I tried to apply again my score was XXXX based on the letter American Express sent me Dated XXXX XXXX, 2017. I 'm asking the CFPB for urgent legal assistant because I just received today the new credit score on my  file from XXXX as of today XXXX XXXX, 2017is XXXX fair. from XXXX XXXX is Good, from XXXX XXXX very good. this is the latest Score. Please help. I have proven score that, American Express should issue my credit card now as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-03
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
My phone and wallet were stolen a few weeks ago in which Chase bank helped me with fraudulent transactions, getting a new card, etc. There are some transactions, though, that were done fraudulently from my XXXX on my stolen phone, that were NOT done by me. I realized this when getting email notifications. I went into my XXXX account and saw that money had been withdrawn up to the limit they allow ( over {$4000.00} ). There was about 200 dollars left in the account that couldn't be taken out which I instant transferred back to my account. I then proceeded to immediately remove my bank information from the app and complain to XXXX support about these transactions, in which they said I would have to go to Chase. I have gone to Chase and they haven't made progress on my case. They closed it without even informing me of the decision, I called them today, and the person who I spoke to didn't even tell me why they closed it and said he would be " re-opening the case. '' Even after speaking to him, I did not get a notification from Chase saying the case was re-opened. Also, when the case was initially opened, Chase only credited me half of the temporary funds from all the transactions. This whole process has been a nightmare with getting all of my stuff stolen, and Chase has made jumping through every hoop take a TON of time. Many times I either can't get anybody to speak to to help me or the person I'm speaking to can not help me or isn't qualified to.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-05
Company: DISCOVER BANK
State: AZ
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:
DISCOVER CARD : Back in XX/XX/XXXX+XX/XX/2015, I was in the middle of an ugly divorce. My Ex Wife was responsible for all the monthly bills but she never paid a discovery CC bill totaling {$8.00}, and as a result, I now have a 30 and 60 day late flag on my credit. She later admitted that she intentionally ignored it, but i have absolutely no recourse. Regardless, for {$8.00}, is it really worth significantly impacting someone 's credit over it? I didnt receive a phone call from Discover Card until it was 60 days past due, which I immediately paid and also made a request for them to please reconsider impacting my credit as a result of this. I pay all my bills, yet i now have to explain this situation every single time I 'm buying a car, a home, a student loan, and even at XXXX for my cell phones. Things happen in a divorce, and this was an intentional act to sabotage my credit and she succeeded. How can i settle this once and for all with Discover card? 

XXXX XXXX : Due to work relocation from XXXX to XXXX, we had to move and sell our house wherever the market was at the time. Unfortunately it was at bottom. Our appraisal came in so low that we were short the amount to pay off our 2nd mortgage, which was with XXXX. We offered to refinance and carry the debt and continue to pay it when we move to XXXX  but the collateral to that load was my home in XXXX. We negotiated with them that we 'd pay whatever we could at that time and since the govt was insuring these loans back then, they agreed to not process the closing of this account as a short sale. Unfortunately they DID process it as a short sale and I have n't been able to buy a home going on 6 years now as a result of that. It ended up being a scam. They got reimbursed by the Fed, and I got killed with a short sale. Why..? I never had a late payment on that loan, ever. I have 4 credit cards with XXXX today, never

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
According to XXXX XXXX, I was identified as being compromised in recent security breach. Since that breach the following suddenly appeared on my XXXX credit report and affecting my credit score.

1 ) XXXX suddenly froze my credit file since breach for no reason. Credit file reads " Credit File Status File Blocked For Promotional Purposes ''. I never asked or requested my credit file to be frozen. I need help with removing this wrong credit file as blocked. 

2 ) XXXX reports says " payroll is payroll deductible '' which is an obsolete comment entry. Obsoloete since XXXX 2011. 

3 ) XXXX XXXX ( CLOSED ) - a ) reports as charge off in Comments 1 when it was sold to third party.

b ) Comments 2 reports : " payment is payroll deductible ''.

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