BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
In accordance with the fair credit reporting act XXXX XXXX  Acct # 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. 

Account was in forbearance while it was being restructured was never late and now everything is up to date please assit.

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 2019-08-07
Company: Resurgent Capital Services L.P.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
On XX/XX/2018.This debt collecting company LVNV reported this item on my credit. I sent out several validation letters to them and to the bureaus. with all that I ask them to send me to validate this debt, they did not send. I also sent a affidavit to this company for validation with no response.im looking at this matter as fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-25
Company: TRANSWORLD SYSTEMS INC
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
on  XXXX   XXXX ,   XXXX   i settle a debt of  XXXX  dollars for  XXXX  dollars, they were supposed to take it off, of my credit report, but they did n't they still show that i owe a  XXXX  dollars. I call them various times and asked to be fixed they always tell me that it is being updated but it is not.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-13
Company: MoneyLion Inc.
State: FL
Product: Debt collection
Sub-product: Payday loan debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have identity theft and advised the company of this for months and have tried to dispute this o my credit and nothing is working it is XXXX from moneylion

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC
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, {$3200.00}, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX 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 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 2017-04-17
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
My name is XXXX. I would like to file a complaint against Experian Credit Bureau. They are listing XXXX fraudulent addresses on my credit report. I have never lived at these places. I have written Experian 2 separate times, informed them these were fraudulent addresses and asked I them to remove them. They will not remove these XXXX fraudulent addresses. Experian Credit Bureau is listing XXXX misspellings of my name. I have written Experian 2 separate times, informed them these were fraudulent misspellings of my name and I asked them to remove them. They will not remove these XXXX fraudulent misspellings of my name. Experian Credit Bureau is listing somebody else social security number on my credit report. I have written Experian 2 separate times, informed them this was not my social security number and I asked them to remove it. Experian will not remove this other person social security number off my credit report. 
Below is the Fraudulent and Erroneous Information Experian Credit Bureau is listing on my credit report. 
Fraudulent and Erroneous Names : 1.XXXX XXXX 2. XXXX XXXX 3. XXXX XXXX XXXX 4. XXXX XXXX My name is XXXX XXXX, all of the above fraudulent names need to be removed from my credit report. 
Fraudulent and Erroneous Addresses 1. XXXX XXXX XXXX XXXX XXXX XXXX, XXXX NC XXXX 2. XXXX XXXX XXXX, XXXX NC XXXX 3. XXXX XXXX XXXX XXXX XXXX, XXXX NC XXXX 4.XXXX XXXX XXXX XXXX , XXXX NC XXXX 5. XXXX XXXX XXXX, XXXX XXXX NC XXXX 6. XXXX XXXX XXXX, XXXX NC XXXX 7. XXXX XXXX XXXX, XXXX NC XXXX 8. XXXX XXXX XXXX , XXXX XXXX NC XXXX My address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX NC XXXX. Those other address are fraudulent and do n't belong to me. Also on the enclosed Experian credit report from XX/XX/2017. Experian lists address identification numbers that shows which address belongs to an account on your credit report. None of these fraudulent addresses are attached to any of my accounts. Please make them remove these fraudulent addresses. 
Fraudulent and Erroneous Social Security Number : 1. XXXX. Experian needs to remove this person social security number off my credit report. My social security number ends in XXXX. 

As you see I really need from your help. Experian is listing tons of erroneous and fraudulent information on my credit report. Please make them remove this mess. 
Thank you for your help

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 2020-03-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
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:
this is now my second time reaching out to your company. the last response was from XXXX - XXXX, on behalf of Capital One in which she stated I applied for credit when I DID NOT. look on the paperwork I have never and will never be associated with the address : XXXX XXXX XXXX XXXX this inquiry was not authorized by me in any way whatsoever and therefore is a result of fraud and must be removed immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-27
Company: Netspend Corporation
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
On XX/XX/2021 I was arrested and brought to my state prison. I was charged with simple assulat. My card was stolen and over {$4900.00} was charged to my account while I was incarcerated for various different transactions, all while my SSI benefits were being placed on the card monthly. I made a police report, stopped my card and requested a new one, disputed the transactions as well as provided the company with all the necessary paperwork. After the 10 business days, I was denied my credits back due to their investigation no error had occurred. The representative who placed the dispute in my file completely botched it and put the wrong transaction amounts as well as a completely different dispute amount totaling only {$3700.00}. Which we all know that while being incarcerated especially by XXXX  XXXX XXXX, you have no credit cards in prison. I have spent over 60+ hours on the phone with Netspend to be denied cooperates information, as well as promised call backs that never occur. My car insurance lapsed due to this fraudulent activity, as well as I am losing everything that I own in my storage unit because both accounts were set up for auto payments and there was more than enough funds available to cover them while I was away. On top of denying me my refund they have also charged numerous fees. Above and beyond this there was a representative that works there, their contract is out of the XXXX, who also took all my personal information home with them after a call was disconnected, and hit me up on XXXX. They are complete fully ignoring privacy laws, consumer rights, committing fraud, stolen identity privacy acts, as well asConstutional rights and laws.

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 2019-12-13
Company: ACCEPTANCE CAPITAL MORTGAGE
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: Was not notified of investigation status or results

Complaint:
I was shocked when I reviewed my credit report and found late payment on the dates below : XX/XX/XXXX XX/XX/XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.

Company response to consumer: Untimely response
Consumer complaint received 2021-11-20
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect personal information was still found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below is the incorrect personal information that is still reporting on my Credit Reports and needs to delete immediately : Wrong Address : XXXX XXXX XXXX XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-18
Company: CITIBANK, N.A.
State: MA
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure

Complaint:
I have  XXXX  mortgage companies my primary  XXXX   XXXX  servicing and secondary Citimortgage. I have mortgage insurance through my primary mortgage company  XXXX   XXXX   XXXX . I have been having difficulty with my   XXXX    Mortgage  Company Citi  Bank. They send me a letter telling me that unless I prove I have hazard insurance they will obtain Insurance for me. I have faxed them the information and have mailed them the required documents through the years to show them I hav e Insurance an d sometimes they cancel the policy they obtained other timesThey just continue on charging me for  the Insurance. My monthly mortgage is {$1100.00} they increased it to {$1500.00} for the Mortgage Insurance they attached. I can not afford this an d I am behind again with my mortgage and they are threatening foreclosure. I have paid them my mortgage premium of {$1100.00} and thy say they have not received any payments from  XXXX  through  XXXX . I asked them where the money went and they say it went to unapplied funds. They tell me I owe them {$7900.00} now and they have threatened foreclosure. I called them again today to tell them that I already have mortgage insurance through my primary mortgage  XXXX  and have sent in supporting paperwork and will send it in again. They told me for th e 1st tim e ever that My  XXXX   XXXX   XXXX  does not cover this loan and that I also need to have insurance through them also. I asked to speak to a  Manager. The Manager t old me the same thing. They are covering my house for the eaxct same insurance as my primary coverage. I can not afford  XXXX  insurances that cover the same thing. I need help. I do not know what to do.

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 2021-11-20
Company: Blackhawk Network Holdings Inc.
State: MI
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:
Card provider : https : //myprepaidcenter.com card type : XXXX card status : expired Balance : available customer service : XXXX Website FAQ Says : https : //myprepaidcenter.com/faq : Does the Card expire? 
Yes, the card will expire after XXXX EST on the last day of the month of the valid thru date found on the Card Details page. However, if funds remain on the card after the valid thru date, you may request a replacement card at no charge by calling Customer Service. 


Issue : NO Option for replacement card in automated support nor live operator support.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-09-15
Company: EQUIFAX, INC.
State: DC
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:
When I reviewed my credit report, I discovered that some of the accounts was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXXXXXX XXXX Balance Owed : {$3300.00} XXXX XXXX XXXXXXXX Balance Owed : {$690.00} XXXXXXXX XXXX XXXXXXXX Balance Owed : {$6100.00} XXXX XXXXXXXX XXXX Balance Owed : {$1100.00} XXXX XXXX Balance Owed : {$91.00} XXXX XXXXXXXX Balance Owed : {$31.00} XXXX XXXX XXXXXXXX Balance Owed : {$1200.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$37000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-13
Company: AES/PHEAA
State: PA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
loans were paid in full on consolidation with phea/aes also reported on credit report three times same loan paid loan on XX/XX/2018  and still on report as not paid. I tried calling to get matter resolved no help what so ever very disrespectful staff and management

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-11
Company: TD BANK US HOLDING COMPANY
State: MA
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
My checking account at TD Bank was overdrawn. I had XXXX transactions which totaled roughly {$30.00} ( they were small transactions ). I was charged {$35.00} for each overdraft for a total of {$280.00}. Subsequently, TD Bank removed one of the charges, so the total of the charges is {$240.00}. I called customer service and spoke with a representative and a manager. I asked if the fees could be reduced because this was excessive. The representative said that the charges were all legal, which they are. However, my point is the charges are excessive and predatory. I am a XXXX, trying to do the right thing. I work part time, ironically at XXXX XXXX Representative. I do not mind paying one overdraft fee of {$35.00}. But XXXX fees is excessive. 
This also happened over the course of 24 hours, so it happened very quickly.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-03-02
Company: AMERICAN EXPRESS COMPANY
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
OnXX/XX/2019, I was a victim of credit card fraud. My cards were used while I was at an adult establishment and charged for outrageous amounts with outrageous gratuity amounts added on to the purchases without my authorization. A police report was filed against the merchant and an affidavit stating I did not authorize those purchase and the handwriting on the receipts are forged were submitted to American Express as evidence. The total in charges on two of my american express cards was over {$70000.00}. On multiple occasions the American Express fraud team told me in writing that the fraud case for these charges was closed in my favor and I would not be responsible for any of the charges. However, out of the over {$70000.00} in fraudulent charges American express only credited my account {$13000.00} and now states that I will be responsible for the remaining balance. American Express states that because I was present at the time the cards were being used it can not be considered fraud which is contradictory to Florida Statute 817.61, which states " A person who, with intent to defraud the issuer or a person or organization providing money, goods, services, or anything else of value or any other person, uses, for the purpose of obtaining money, goods, services, or anything else of value, a credit card obtained or retained in violation of this part or a credit card which he or she knows is forged, or who obtains money, goods, services, or anything else of value by representing, without the consent of the cardholder, that he or she is the holder of a specified card or by representing that he or she is the holder of a card and such card has not in fact been issued violates this section. '' Nowhere in the statute does it say that the cardholder must not be present for fraud to occur. The fact that the charges were made without my knowledge and the receipts were forged is more than sufficient for these charges to be considered as fraud. In addition to the fact that these receipts were forged, all of the charges occurred after the legal operating hours for an adult establishment in XXXX XXXX County and documentation of such was also provided to American Express.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-25
Company: Comerica
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
I was alerted by the fraud department that my Direct Express debit card issued by  XXXX  for  XXXX  payments had been charged excessively in a short period of time. I asked them to cancel the card and I filed an official dispute complaint with them. This was  XXXX   XXXX ,   XXXX  . The charges were made from a foreign country and I was told the investigation would take up to 90 days. I have called periodically and furnished them with detailed transaction information. I learned the fraud company had used  XXXX  to access my funds which were taken from the Direct Express master card. So I also filed a complaint with  XXXX  per Direct Express instructions. I was refunded partially by  XXXX , they explained that they could not recover all the funds as the money was not in the fraudsters account. So I went back to Direct Express. They told me that they had stopped investigation since  XXXX  had issued partial refunds. This is unacceptable. I had over {$2500.00} taken, all in small amounts of  XXXX ,  XXXX ,  XXXX ,  XXXX  etc. amounts. About 50 transactions. I believe I have been refunded only {$300.00} or {$400.00} thus far. Every time i have called Direct Express I have not been able to get them to release the remainder of my money. I am  XXXX , I need to pay my property taxes which are now overdue. I have no other income source or savings and I can not afford to take this huge loss. I have faxed the information to DIrect Express and  XXXX . I have tried to be patient. I have asked for them to escalate my issue at Direct Express. I have been told I can not directly speak to anyone in the fraud department or a manager. I have to call them. I live in a remote part of the   XXXX   XXXX   and have to be driven into the closest town , 25 miles  away to get a good enough cell signal to talk to them at the number printed on the back of the card. Can you please find a way to help me recover the rest of my funds? I called them  three  times  XXXX   XXXX , and the call kept getting disconnected when they put me on hold. I begged them to call me back if they disconnected me and they said they could not make outgoing calls. I have received no mail or calls from them. All the contact I have made has been me calling them asking for a status update. I ca n't keep waiting and re explaining myself every time. I am taking daily prescribed medications that make me groggy. I do n't have anyone to help me fight this battle. If this was a normal bank I would have been given some kind of provisional credit to use while the investigation was underway. I have a hard time expressing myself and sense of urgency in a way that gets results. Please help.

Company response to consumer: Closed with explanation