BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-02-26
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: WA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a letter from a 3rd party debt collector who was attempting to collect a debt of XXXX. on or around XX/XX/XXXX. I wrote a response and mailed it XX/XX/XXXX certified mail asking for more information about the debt before further collection attempt be made. the letter from the debt collector showed the last date a payment was made on this account was on XX/XX/XXXX. In Washington state the Statute of limitations to collect is 6 years per ( RCW XXXX ) I stated in my letter if in fact this debt was mine it would be to old to collect by law. The Debt collector didn't provide any information that I requested via my response letter sent certified mail, and in turn sold the junk debt to another collection agency. this should be a direct violation of the law per FDCPA. Thank you for reading my complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-01
Company: Netspend Corporation
State: MO
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble closing card

Complaint:
On XX/XX/XXXX my husband 's unemployment was approved and he started receiving direct deposits to our joint prepaid account. On XX/XX/XXXX we got a text that there may be a problem with our account/card. When I called the next day I was told our account was deemed high risk and was bring closed, and that a check would be mailed to our address on file. A few days later I was told the funds would be returned to the sender, but wasn't given a time frame for this to be done, and was told there was nothing they could do to give us access to our funds. Now they are asking for a letter of indemnity from unemployment, which they will not provide, or we have to wait 20 days for the funds to be mailed via check to the sender. The money in the account was all that we had and now we are at risk of being evicted if we can not pay rent, repossession of my car, having utilities turned off and not be able to provide for our almost XXXX XXXX XXXX son. I've emailed back and forth with them for days and get a response after XXXX hours of me replying immediately just to be given vague information and them saying they care and they are sorry for the inconveniences. I just want the funds in our account and have even sent the letter of acceptance showing my husband was approved to receive those funds. NetSpend has already been sued by the FTC over doing this same thing in 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 2019-05-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 have sent multiple request that accounts on my credit report be verified because these loans or amounts were never taken out by myself and aren't mine. Under the Fair Credit Reporting Act, section 609 ( a ) ( 1 ) ( A ) you are required by federal law to verify- through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I have repeatedly requested these documents on numerous occasions and were either ignored or sent a report that simply said " verified '' which does not suffice for verifiable proof through the XXXX  system.

I have attached copies of the letters requesting verification that were sent via USPS certified mail.

1st request- USPS Tracking #  XXXX 2nd Request- USPS Tracking 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 explanation
Consumer complaint received 2018-10-30
Company: Experian Information Solutions 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:
XXXX XXXX XX/XX/2018 XXXX, XXXX, and Experian RE :  Accounts # XXXX To Whom It May Concern : I am requesting that you investigate and immediately remove the negative account from XXXX XXXX XXXX, XXXX Account # XXXX be removed from my credit reports. This account is violating the FCRA section 609 by  reporting wrong or inaccurate information onto my credit reports

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 2018-10-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX XXXX XX/XX/2018 XXXX, Transunion, and XXXX RE :  Accounts # XXXX To Whom It May Concern : I am requesting that you investigate and immediately remove the negative account from XXXXXXXX XXXX XXXXXXXX, XXXX Account # XXXX be removed from my credit reports. This account is violating the FCRA section 609 by  reporting wrong or inaccurate information onto my credit reports

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 2020-08-20
Company: Experian Information Solutions 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 am a victim of identity theft. someone stole my identity to open fraudulent accounts with out my consent

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 2017-06-28
Company: CL Holdings LLC
State: UT
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:
A request for validation was sent to this creditor on  XXXX / XXXX / 2017  via certified mail as I was n't sure what the account they are reporting on my credit is, or who the original creditor was. I did not receive any correspondence or information as requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Credit Card account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

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 2018-10-30
Company: BBVA FINANCIAL CORPORATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
I have an available balance in my account - i use the money - then i have an automatic draft hit my account and bring me a negative balance at which point all the transactions that i did before this will get an overdraft fee. VERY UNETHICAL

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-10-30
Company: Navient Solutions, LLC.
State: KY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
Ive never missed a payment, Ive been paying for years now and my balance is hardly moving. I have a 10yr payment plan.

I too, was told to take a break at one point and go for a forbarence during XXXX XXXX ( not being told Id be accruing interest ) In XXXX I called to ask about applying extra payments outside my normal payment to try and pay down my balance. She said to make an overpayment and itd go directly toward the principle. Almost a year later, I find out .... Im paying interest on the overpayments. 

Next, I look further into the past payments ( auto drafted ) theyve applied {$11.00} here to principle and then {$200.00} to principle another month then back to {$100.00}, and randomly taking huge chunks of interest in a non assending order at all. Theres definitely misapplied payments and Im definitely being taken advantage of. I should have paid closer attention.

I tried to make a complaint on the website but its not working. Theyre really not helpful on the phone either.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-30
Company: Bread Financial Holdings, Inc.
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
In XX/XX/2018, I make an online purchase and changed my mind after realizing I didn't need the things I selected. The next day called store 's customer service to cancel the order and was advised order was being processed therefore to cancel the order don't pick up the order at the store when notified. A few months on XX/XX/2018, I received a bill with a new balance for the canceled purchase for {$70.00} plus unknown fees of {$1.00}, totaling a new balance of {$71.00} for XX/XX/2018. Upon viewing the bill I called customer billing service, after much back and forward discussion it was agreed the charges stemmed from the canceled order and would be corrected. I now see after viewing online bills starting with XX/XX/2018, the order price of {$70.00} was removed from my bill leaving the remaining balance of {$1.00} to incur interest for each following month. Accumulating in a new balance for this account of {$100.00}, including an expired refund check for {$1.00} on XX/XX/2018, a late fee of {$32.00} on XX/XX/2018, an interest charge of {$2.00} on XX/XX/2018 and an Account Assure fee of {$2.00} on XX/XX/2018 for insurance that offers no benefits to me considering I'm unemployed due to retirement. Creating a total new balance of {$100.00} for the month of XX/XX/2018 with a warning : Late payment warning : If we do not receive your minimum payment by XX/XX/2018 you may have to pay up to a {$38.00} late fee. All of this for a canceled order that I never taken possession of - there was no fair trade or agreement in this entire process.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-10-30
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:
I have two inquiries on my Equifax credit report by the following companies ; 1.  XXXX XXXX XXXXXXXX. on XX/XX/2018 2. XXXX XXXX XXXX XXXX. on XX/XX/2018. 

I do not recognize any of this inquiries and I am therefore disputing them with Equifax and XXXX and XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-30
Company: ENCORE CAPITAL GROUP INC.
State: MD
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This letter is in response a letter from XXXX XXXX XXXX XXXX XXXX claiming I owe them {$4200.00}. 

The company failed to provide me with any evidence that I have a legally binding contractual obligation to pay XXXX XXXX XXXX, XXXX this amount.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-30
Company: BRite Financial Services, Inc.
State: WI
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
This is NOT a duplicate it is a response to complaint # XXXX. 

I still have NOT received an itemized statement including pay off to date. Extended warranty amount should be subtracted from principle. 

What is the actual amount due the documents attached to the complaint # above have a different amount. 

The 15 days hadnt been allowed per WI cure to default laws. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-30
Company: BB&T CORPORATION
State: OH
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I have advised this company several times not to contact me a work, however they have persisted and continue to call me at my job and have put my state of employment at risk due to the numerous phone calls.

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 2017-06-28
Company: WELLS FARGO & COMPANY
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
Twice in the last week, Wells Fargo has made me change my online username and password ( which accesses two checking accounts, a credit card, and a student loan ), without explanation for why. I spent 30 minutes on the phone today, including with a supervisor, who said it could be anything from a pattern they see in my username, to " outside information '', or to someone actually accessing my account. She refused to disclose which category my issue has fallen into ( but would acknowledge I have a " case '' open in the investigations department ), which is neither helpful nor appropriate : if someone is somehow accessing my account, I need to know, so that I can discover how and properly protect my devices and other accounts. <P/>It is my account, I have the absolute right to know what is being done to it and why. The fact that I use a VPN ( with IP addresses within the United States ) and a password manager for my enormous and complex password should not restrict access to my account, yet I somehow feel this may be the case. <P/>This is simply the latest in a pattern of behavior from Wells Fargo under the umbrella of " fraud detection. '' They froze my cards just two months ago because I was three hours away from home -- within the same state -- and they determined this to be " fraudulent '', even though there was a trail of spending from home to my previous location to the location at the time the cards were  frozen. <P/>I do n't want Wells Fargo making unintelligent decisions on my behalf, I do n't want them determining what are and are not valid transactions, and I do n't want them pretending they know better without explaining why/how.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-30
Company: Experian Information Solutions Inc.
State: ME
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 advised to dispute to help bring up my credit score. Trying to get a loan but the loan company/ lenders state that they can not give me a loan with the disputes on my credit. Please remove all disputes on all 3 credit reporting 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 explanation
Consumer complaint received 2017-06-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
I contacted Transunion about deleting negative inquiries reporting on my credit report that I did not authorize. Their customer service would not 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 2018-10-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
Bank of America issued to me a CASH REWARDS credit card. I earned {$27.00} on this account through the use of the card. Without warning, Bank of America closed the account, precipitously, and without cause. When I tried to have the already earned {$27.00} applied to my credit card balance, I was summarily told that since the account was closed I " lost the reward '' and will not be able to redeem it. 

The Bank eventually sent me a letter stating that my checking account would be closed and gave me 20 days to wind move my funds. They did not allow me the same time to redeem the rewards that I had already earned and that their system still shows to be earned and awaiting redemption. 

This is an exact copy of what they are showing me : Summary for Bank of America Cash Rewards Visa Platinum Plus - XXXX Total credit line : {$3000.00} Rewards for Bank of America Cash Rewards Visa Platinum Plus - XXXX Total Cash Rewards : {$27.00} Cash Rewards Go to Rewards View/Redeem Since I have earned this amount Bank of America should be required and obligated to credit my account with this amount ASAP. They refuse despite repeated requests for them to do so. 

Furthermore, they should also repay me for the {$6.00} that was debited from my checking account on XX/XX/18 and paid to Direct Checks for checks on an account that they summarily closed without cause that are now useless.

Go toMake payment for Bank of America Cash Rewards Visa Platinum Plus - XXXX Go to

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-08-20
Company: Paypal Holdings, Inc
State: NV
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
I was sent money on XXXX. This transaction immediately was seized for review. I was informed that it would be reviewed and released in 72 hours. I've had this happened before and it usually clears up 72 hours. 
The next day I receive a request for additional information. A date of birth from a name listed on the transaction list. Not only do I not have that information that is protected information that I can not release. I reply telling them what the payment was for, and that I couldn't release protected information. I go back and forth through the resolution center, and just keep getting repeated requests for this DOB. I contacted the person that sent the money, and they tried to pull the transaction. They were told they needed to contact me and resolve it with me. So I tried using the message center. They told me to disregard the request for DOB because that was irregular and to give a information as to what the payment was for and why it was sent. Which I then did. And then I got another email stating that I didn't give them the DOB they requested and they needed the DOB. I did this 3 more times with the same results. Now I'm trying to cancel the transaction and refund it, so that the sender can try resending a different way. They keep dodging me and now I have XXXX $ that is frozen in the Paypal account because they are demanding information that would be illegal for me to give them even if I had it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-05
Company: Experian Information Solutions Inc.
State: LA
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:
I want accounts closed and inquiries gone

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 2017-06-28
Company: Convergent Resources, Inc.
State: MD
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
I do not have a contract with this company. They are trying to collect a debt that I do not owe them. I tried to dispute this through  XXXX .  XXXX  says the company says I owed this company {$2700.00} and  1st d elinquency was on  XXXX /2013. I 've never even heard of this company and I have no contract with them. This just popped up on my credit report within the la st 30days. It re ally brought my score down. Please help me. This is their info :  Convergent Outsourcing Inc,   XXXX   XXXX   XXXX   XXXX ,  XXXX  WA  XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-30
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
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:
there was fraudulent charges made on my account my wallet dl credit cards passport where stolen, and used all over the USA, not once did cap one contact me not once did they send me a fraud affidavit not once did they contact the the police department to verify these where fraud and they rebilled my account in total blatant violation of the law and did this without even investagating if they did they would have knew my id and credit cards where stolen, the only time they contact me was today to tell me there rebilling the charges even though they never got my side of the story or send an affidavit or contacted the police

Company response to consumer: Closed with explanation