BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-17
Company: Netspend Corporation
State: IL
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:
Opened a XXXX XXXX XXXX XXXX  card online and shipped to home. Tried activating it ( Account XXXX : XXXX ), submitted driver license via upload. Company denied activation for vague reason " We received your documents ; however, after further review we have determined that this new account can not be activated. According to our records, you had previously opened an account which has been closed. We can not proceed with the activation of this new account or reopen a closed account. '' I followed up " I never had an XXXX XXXX card. 

Please 1 ) Provide all details for the denial, including any information regarding prior cards you believe I have held.

2 ) Regarding any prior cards you believe I have held, please provide the exacts details of the closure and why relevant to opening this account.

3 ) Please provide a copy of the terms and conditions which give legal justification for not activating the account.

Please have compliance investigate and open the account after view or provide the details requested. '' There was a non-response the could not help and refused to investigate. The company has false information or obfusfacting to deny an actual investigation or providing information. This appears to be in violation of the law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-17
Company: EQUIFAX, 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:
XXXX accordance with the Fair Credit Reporting act XXXX 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-01
Company: Experian Information Solutions 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 information incorrect

Complaint:
IVE ATTACHED THE COPY OF THE DIRECT ONLINE UPLOADED DISPUTE THAT     XXXX   'S   SYSTEM WOULD N'T ACCEPT TODAY.THEY HAVE A COMPUTER PROBLEM THAT WO N'T ALLOW ME TO SEND INFORMATION TO SUPPLEMENT MY ONGOING DISPUTE SO I 'M SENDING IT HERE BECAUSE THE CFPB 'S COMPUTERS ARE N'T USUALLY BROKEN AND   XXXX   'S USUALLY ARE BROKEN

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 2016-01-05
Company: The CBE Group, Inc.
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I received a bill from a " CBE Group, INC '' attempting to collect a debt on behalf of " XXXX ''. This date claims to be an amount of {$43.00} and includes a " service disconnect date '' of XXXX/XXXX/XXXX. 

I did previously have XXXX XXXX internet and cable service from XX/XX/XXXX through XX/XX/XXXX a standard 2 year agreement which was disconnected promptly at the end of the XXXX month. 

I attempted to contact XXXX directly to see if there were any outstanding charges on my account and they confirmed a XXXX balance from the account held XX/XX/XXXX- XX/XX/XXXX. 

After spending roughing XXXX minutes on the phone being transferred back and forth between XXXX " Customer Service '' and the CBE Group `` Customer Service '' and " Finance Department '' I was only able to be told that the {$43.00} was from " pay per view '' orders and ordered through the account associated with phone number " XXXX ''. I did research on this number as I did not recognize the number and found that the area code used " XXXX '' is not a valid registered area code in the United Stated. 

I formally disputed the charges with " The CBE Group , Inc. '' pm XXXX/XXXX/XXXX by written correspondence to their mailing address and would like for the debt to be validated prior to potentially harming my credit or before I make an unnecessary payments for charges of services I did not approve.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
The escrow on my mortgage increased by {$580.00} ( approx ) a month and I was not notified. Additional {$580.00} was paid on XX/XX/XXXX XX/XX/XXXX without notification or consent. This is a reoccuring monthly payment and would have been deducted monthly without my inquiry. The failure to to notify was acknowledged by an employee at Capital One bank on XXXX XXXX, XXXX after XXXX calls ( XXXX XXXX and XXXX XXXX ) and a failed attempt to have an analysis conducted by the Capital One Escrow Dept.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
I constantly get fraudulent credit cards from Capitol One. They make no effort to check to see if it is a legitimate application. They just send it XXXX to my home where anyone can get the card and use it. I have told them to take me and my wife off their list and they refuse. They have no right to jeopardize my savings and credit this way. They are clearly not legitimate and cause damage to consumers. They need to be forced to do some due diligence before sending these credit cards!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-04
Company: Experian Information Solutions Inc.
State: WI
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I ask that a statement be put in the XXXX account 1 ) Not my account and Fraud of Ownership. I asked for proof of Ownership never given. I disputed the account and asked for a statement be put in all my accounts that I invoke all rights, none waived ever. All three refused to do this and you can not dispute on line unless you agree to their terms. I refused to agree to them. Phone dispute is almost impossible to get done.

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 2022-04-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
Trans Union refuses to remove an account that was determined not mine. The company XXXX XXXX  verified and confirmed the account has a different last name than mine. I have submitted a copy of the letter from the company XXXX XXXX XXXX. This account has been removed from My other credit reports. XXXX has removed this account and XXXX has removed this as well. According to FCRA inaccurate reporting after investigation is an violation. It is my right as an consumer to have accurate credit reporting.

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 2016-08-22
Company: Credit Solutions, LLC (KY)
State: OH
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
This debt was originated at XXXX Hospital in XXXX Ohio. My father whom shares the same name, visited and provided his insurance information. XXXX Hospital was unable to collect from my fathers health insurance and proceeded to collect thru credit solutions, LLC. This company reported the collection on my credit report and refuses to fix the problem. This company should be responsible for for all the damages generated by stealing my identity.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-17
Company: EQUIFAX, INC.
State: TN
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:
I was listed on Social Security XXXX XXXX XXXX database as deceased. 

Some how I discovered email and text alerts from XXXX that reported inaccurate data to XXXX, Equifax, which had inaccurate accounts open, inquiries from XXXX XXXX, and XXXX XXXX XXXX XXXX XXXX  's on my credit file accounts. 

I had to contact XXXX XXXX XXXX Bankruptcy court and the XXXX sent a letter denying the fact they sell information to Credit reporting agencies and mailed me a letter. 

I mailed XXXX certified letters to XXXX and the data mining company aplogized and removed XXXX XXXX XXXX do to inaccurate reporting. XXXX and Equifax have NOT removed the XXXX XXXX under a different name. 

I have a police report and a signed XXXX from FTC for Identity Theft. I mailed both XXXX and Equifax the documents from Social Security XXXX that my Social Security number was used as Identity Theft under false pretense. 

I am requesting that the XXXX XXXX XXXX concerning Bankruptcy be DELETED and my name is correct in my credit accounts according to REAL ID ACT involving that correct spelling of my name on my state Drivers License, legal Name Change, Police Report, FTC Affidavit Notarized, and Social Security XXXX letter showing my SSN was used as Identity Theft, which is a federal crime. 

So far, both XXXX and Equifax REFUSED to delete inaccurate reporting information that is affecting my credit file to obtain credit. 

I discovered CFPB is suing XXXX for this very reason violating my Consumers rights selling my private data and reporting Public Records and my first and last name inaccurately causing a hardship to obtain Consumer family and household credit from lenders.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
In accordance with the Fair Act Reporting Agency Act inquiries under the name XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Has violated my rights. 

15 U.S.C. 1681 Section 602.a States that I have rights to privacy 15 U.S.C. 1681 Section 604.a Section 2 : Also states a consumer reporting agency can not furnish an account or inquiry without my written permission.

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 2022-02-01
Company: Paypal Holdings, Inc
State: WA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Did a XXXX grocery order to pick up. Done many prior and never had this issue before. Usually they do a pre auth then after I pick up order the pre auth becomes the charge. No issues. Well yesterday XX/XX/2022 i did an order and I used paypal to pay because I did not have my debit card on me. My payment type was still using my bank debit card. Pre ath showed on account like usual. Went picked up items didnt think anything of it until I get a bake alert for overdrawn account. Turns out paypal charged my debit card without releasing the pre auth. So now I'm overdrawn and have no way to get any money for gas etc ... instead of the XXXX I had for groceries I am getting charged XXXX. I never was informed that I need to have double the purchase amount in my account to cover the pre auth? Called bank and they said paypal has a hold on the XXXX pre auth until XX/XX/XXXX. So XXXX  days in the negetive with other small XXXX purchases etc already coming out. Im gon na have massive overdraft fees on top of not able to go to work or appointments because I was counting on the remaining XXXX in my account to cover me. Trued contacting paypal but its a joke to actually get a response without XXXX hour wait. How come the pre auth doesn't remove after purchase. There us no reason for it!!! I swear paypal does these things to earn interest off other peoples money.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-12
Company: GMA Investments, LLC
State: ID
Product: Debt collection
Sub-product: I do not know
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
this company continues to call my personal phone, my employers phone, my friends and family after repeated times of asking them to stop and only contact me via us mail. i also asked them to send me proof of the debt and they refuse. they use profanities and threaten me. they tell my family and friends to pay the debt. they just called my work and told my employee that they are collecting a debt for me and they were rude to her. i DO NOT WANT THEM TO CALL ME ANYMORE. please only contact me via us mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
I 'm being charged a balance of {$190.00} by Capitol One who says this event occurred in XXXX of 2010, after speaking with them on the phone tonight they said the address they had for when the incident occurred is my current address which is incorrect because i lived at another home at that time and was away at college. They 're offering a lower payment to make this go away quickly but why should i have to pay anything at all when i 'm not the individual who applied for this card and used money off of it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
I became delinquent on a private student loan through XXXX XXXX XXXX XXXX in XXXX and this resulted in a charge off of my account. The account was forwarded to a third party agency, XXXX XXXX, XXXX. I completed a settlement agreement with the agency for a total of {$8100.00} and a letter confirming the settlement was sent to me on XX/XX/XXXX. In XX/XX/XXXX, I discovered this was incorrect on my credit report and spoke to a XXXX XXXX representative and they informed me this would be corrected. On XX/XX/XXXX, my husband and I made the decision to review our credit reports and discovered the account was still reflecting as past due on both our XXXX and Transunion accounts, so we submitted disputes to both companies with a copy of the settlement letter. During the investigation, XXXX XXXX stated the information they were reporting was correct and even changed the transunion report to reflect as a full balance of {$9300.00} was due, but only on my husband, XXXX XXXX XXXX report. I reached out to the bureaus to discuss and they informed me they can only report what the company provides them, regardless if my document provided proves otherwise. I reached out to XXXX XXXX XXXX XXXX on XX/XX/XXXX and was informed they would investigate, but the account would reflect as open because it had become charged off, regardless of a settlement agreement. I disagreed with the representative and she informed me she would submit my account for review and return my call the following Monday, XX/XX/XXXX. I never received a phone call from the representative or 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 2019-02-16
Company: Mr. Cooper Group Inc.
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Mr Cooper has charged me {$1200.00} a year for 4 years for PMI when my loan balance is {$100000.00} and my tax assessment is {$290000.00}. They make it virtually impossible to submit a request for stopping PMI and this is just an Unfair and Deceptive Practice for their PMI revenue. Please tell them need to remove PMI from my account immediately and send me {$5000.00} for the last 4 years of payments in which I also have an XXXX credit score. This process is UDAAP and should be investigated by the CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
I had a credit card with Capital one and I paid it off and requested for the negative tradeline be removed from my credit reports since XXXX of 2014 since I have been working with XXXX Law firm and Capital one refuse to comply with my challenges to provide documentation, however Capital One indicated that they have complied and responded to my dispute letter by sending a response to a address I have not live at in years which was XXXX XXXX XXXX, XXXX, Ga XXXX. I never received any reply back from my disputes. I do n't think they even sent a reply.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-17
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX Account # : XXXX, XXXX XXXX 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 an account without my written instructions.

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 2022-04-17
Company: Experian Information Solutions Inc.
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: Information belongs to someone else

Complaint:
There was a credit card opened fraudulently in my name through XXXX and sold to XXXX XXXX XXXX. I have never had knowledge of this account but it is reporting incorrectly on my credit report and I have he right to have an accurate credit report. I demand this be removed immediately.

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 2016-06-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
My Bank of America Checking account was closed without explanation. They let me keep some of their other banking products.

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 2020-06-15
Company: Total Card, Inc.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
On Friday, XX/XX/2020 I made a payment of {$290.00} with my debit card. I asked if my payment would be applied to reflect the account balance back to XXXX before the new statement date. 

The young lady was nice and stated she wasn't sure when it would be. 

My reason for making the payment is to show XXXX balance and not bring my debt ratio up and negatively affect my credit score. 

I logged into my account on Saturday, XX/XX/2020 to make sure balance was XXXX and noticed it still showed a balance of {$290.00}. I call the customer service # to find out why my balance wasn't XXXX. The lady states that if you don't make a payment before XXXX XXXX   central time it won't reflect until Tuesday, XX/XX/2020. 

If that is a policy with the company, then they need to show that when making a payment so customers are aware of that. 

My credit score has dropped 40 points because of that and I am looking to move and my score needs to be in the 600 's. 

I need you to reflect on my current balance of XXXX of my credit report so I can apply with the leasing office asap. Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-16
Company: Big Picture Loans, LLC
State: IN
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
I took out a loan on XX/XX/XXXX and it was my understanding that I would pay it back in 6 installments of {$200.00} an to date I have paid {$1800.00}. I logged it today and say the repayment schedule and the payments are supposed to go on until XX/XX/XXXX. I simply can not afford to have this come out of my account every 2 weeks until XXXX. At the end of this payment period, I will have paid {$4100.00}. I called and tried to stop the debit from my account and they said I signed and there is nothing that I can do.

Company response to consumer: Closed with explanation