BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-11-22
Company: Experian Information Solutions Inc.
State: MI
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:
Currently I have sent letters out on the following dates below with some accounts in question that I'm not familiar with : XX/XX/2021 XX/XX/2021 XX/XX/2021 I have not received any follow up letters from the bureaus for an update or account status

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 2021-03-18
Company: I.C. System, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
This item was removed in XX/XX/2020 I believe they sold it to another collector and started it all over I havent hat sprint for over ten years ... and it just pop up this year

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 2015-09-22
Company: Netspend Corporation
State: TX
Product: Prepaid card
Sub-product: General purpose card
Issue: Managing, opening, or closing account

Complaint:
I was given a {$40.00} prepaid card from NetSpend. This was a gift from a friend. I tried to activate the card online and was told I could not and to call the toll-free number on the card. The first time I called, the rep asked me some questions and said the card was activated. 

I tried to make an online purchase ( making sure to include the fees NetSpend would charge ) and it would not approve. 

I then got a voicemail from someone at NetSpend to call back and give them a reference number to finish setting up my account. When I called, the rep who answered seemed to have no idea what I was talking about and said he needed to transfer me to a " special department. '' When he did, I was dumped directly into a voicemail of someone in the legal department who handles subpoenas???? 

I called a 3rd time and another rep answered -- she went through the same drill and said she had to transfer me to a " special department. '' She refused to give me the name of the department or their direct number. I was transferred and sat on hold for 15 minutes before hanging up. 

I called a 4th time and another rep answered -- I explained to him what was going on. When he asked me again for my name and last XXXX of my SS #, I asked him why did that matter because they would n't have my information if I did n't have an account. He said he had to take this info to set up the account, but once again told me I needed to speak to the " special department. '' He said he would wait until he reached someone before transferring me. I have now been on hold for 23 minutes and will hang up at 25 if no one answers. 

At this point, NetSpend needs to be ordered to refund my friend 's purchase.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-06-30
Company: Radius Global Solutions LLC
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
The company calls and leaves a voicemail at least weekly looking for a " XXXX XXXX '' ( sp? ). I have called the number given at least 2 times and reported that there is nobody here by that name, and given them my number, with instructions not to call, yet they continue to call. They also stated that they do n't have my number in their dialer, yet I continue to get the 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 2016-11-01
Company: Strategic Alliances, Inc.
State: GA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
Was notified via an alert on my credit monitoring that First Financial Investment Fund had placed an collection on my credit report in the amount of {$260.00} for a debt that I do not have. I do not owe any creditors. I did not receive notice of right to dispute nor did they provide enough information to verify debt. i.e. amount of debt & name of creditor

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-18
Company: Square Inc
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
My stimulus payment was deposited into an account I did not recognize. WHen I reached out to the Irs  they gave me a bank institution name and acct and routing number. Unfamiliar with XXXX XXXX  I called the location to try and track down this account opened using an old address and my personal info. WHen I was able to reach someone they said it was a cash app account and that i had to contact co but that they did see the account as open. when I got ahold of someone at cashapp regaurding this myseterious account using my personal info and account info I was given I was told i could not have access because i did not have telephone number or email associated with that account, When I asked for them to close the account i was told they were not able to. even though i offered to give id and any other form of verification needed

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
One credit bureaus saying account is closed which are split to multiple different accounts for student loans. Transuion doesnt even have student loans listed. The fcra states that all accounts should be 100 % accurate. Ive tried multiple times to get them removed only to just get them updated on XXXX and experian. Also the dates are off and not same for date of first delinquent. These accounts are to be removed from credit immediately due to fair credit act thank you my credit has suffered drastically to the point I cant get housing I have trouble getting some employment due to information that is almost 8 years old.

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 2016-02-22
Company: Continental Services Group, Inc. d/b/a ConServe
State: CT
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
I had a financial aid hold on my account for an unpaid balance. XXXX University, XXXX XXXX XXXX, XXXX, PA XXXX, sent my account to collect agency, Conserve. I paid my remaining balance directly to XXXX in the amount of {$2700.00}, which left a collection fee left to be paid to Conserve of {$800.00}. I contacted Conserve to come to a settlement agreement. They told me they would have to reach out the school before accepting the terms of the agreement. It has now been 3 weeks and I have not heard anything back. I tried contacting them and they still say they are waiting to her back from the school.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I learned about the bankruptcy on my record last year, and since that time I am trying to clear it as I never filed for any bankruptcy. I disputed it several times and I am not agree with results. Please help me to clear it, I never went to court, I never filed for bankruptcy for {$0.00} dollar amount, I had no idea about it. I never got any paperwork from the court.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Old information reappears or never goes away

Complaint:
There should only be XXXX name appearing on my credit report : XXXX XXXX XXXX. There is also an existing inaccurate account on my credit report that should be removed. On or around XX/XX/XXXX, XXXX recorded a phone call stating that XXXX XXXX did not provide an authorized written contract with my authentic signature. XXXX XXXX  XXXX OF FL is still reporting an alleged account as " bad debt ''. This banking institution has not provided sufficient and certified evidence that this account was authorized by me. This banking institution has been reporting this bad information since XX/XX/XXXX. It is beyond the statute of limitations for a debt collector to report an alleged debt. I am pursuing legal action against the definition and old information.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-18
Company: Paypal Holdings, Inc
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
My Venmo account was compromised as well as my email. On Sunday, XX/XX/XXXX my account was frozen and I saw an email exchange from someone trying to actively unfreeze my account. I changed all passwords and logged it out of their device. I noticed on Thursday, XX/XX/XXXX that the person who has accessed my account was attempting to change my information. I started to chat with Venmo support and they are refusing to deactivate my account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-25
Company: Commonwealth Financial Systems, Inc.
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3 accord and U.N.C.I.T.R.A.L Conventions.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-18
Company: TransferWise Ltd
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint:
I HAVE A TRANSFERWISE ACCOUNT ... WEEKS AGO I PLAY ON A CASINO ONLINE BUT THEY MAKE 2 DEBITS THAT I DONT AUTHORIZATE, I REPORT TRABSFERWISE AND THEY MAKE THE REFUND BECAUSE THEY KNOW CASINO WAS TAKING ME MONEY AND I DIDNT KNOW THAT THEY WERE DUPLICATING THE DEBITS. AFTER THAT I TOLD TRANSFERWISE TO BLOCK THE CASINO BECAUSE THEY WERE STILL MAKING THE SAME. BUT TRANSFERWISE NOT BLOCK THEM SO, 2 DAYS AFTER THE CASINO MAKE ANOTHER DEBIT. I ASK TO TRANSFERWISE WHY THEY ALLOW CASINO STILL TOKE MONEY FROM ME WITHOUT I KNEW ... TRANSFERWISE SHUTDOWN MY ACCOUNT THAT IS PERSONAL AND PROFESSIONAL WITH MONEY AVAIBLE AND I NEED MY ACCOUNT ... I NEED MY MONEY ... AND I WANT THE REFUND OF THE XXXX THAT CASINO STOLE FOR ME FROM THEM.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-11
Company: EQUIFAX, INC.
State: AL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
Equifax previously deleted my XXXX XXXX XXXX deleted and removed this account from my credit report and added it back on to my credit report. I have a snapshot of where I took a picture of this on my credit report of it stating it was removed and went back later to Equifax and saw that they had added it back. Called them the same day and asked them to remove it and they stated " It is still on your report it has not been removed. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-22
Company: MERCANTILE ADJUSTMENT BUREAU, LLC
State: NJ
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
XXXX & XXXX, are trying to bill me for something I paid and was a dispute over XXXX years ago!! They have records of me calling to state the people living in the basement apartment was connected to my XXXX apt !! The landlord kept lying and did nothing and when they moved out I got stuck with the bill. After some years I out the XXXX & XXXX in my name and then they stated I still owe this money! This should not be on my credit report at all!!!!! I actually overpaid them and will attach the letter from my Attorney sent to XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-22
Company: Lendbuzz Inc.
State: TN
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 had refinance my car lend buzz ( https : //lendbuzz.com/ ) back in XXXX so far was good but they haven't report my payment to XXXX, XXXX and XXXX XXXX I tried to contact them on XX/XX/XXXX regaled this problem, they said they had a problem due my name, they could fix it and was gon na take XXXX week, a whole month so far, there no fix

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-22
Company: AMERICAN EXPRESS COMPANY
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. Please delete or remove this item on my behalf. This item is not mine and this is greatly affecting me and my personal life. I request that you block the following information and Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-14
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
Last year XXXX started reporting some old accounts that I had never been communicated before that I owed. After agreeing that they would delete the trade line from the credit reporting bureaus and that I would pay such amounts ( which I did ), I received some written acknowledgments from this companies that the trade lines would be deleted. It 's been several months, and the accounts are still being reported. I was able to contact XXXX and get the trade line deleted ( after spending hours with them on the phone and sending back and forward letters ). With XXXX and Equifax I have n't been able, as because of my long last name, it 's impossible to correctly fill up their requested fields. I 'm outraged. This has been going on for over a year. If this time this is not resolved, I will sue.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-08
Company: STERLING JEWELERS, INC.
State: GA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Receiving multiple repetitious collection calls from collection agency on my sons account that is in collections with XXXX XXXX XXXX XXXX. Called me XXXX/XXXX/16 at 4 separate times from XXXX different numbers XXXX and XXXX between XXXX and XXXX. On all 4 calls received during that 8 minute period, no messages were left requesting a call back. 4 calls from a collection agency in 8 minutes is collection harassment. Especially since no messages were left. In addition, this collection account is actually in my sons name, but he did approve for me to speak the them on his behalf. I spoke with them 2 days in a row in attempt to resolve the collection account balance, but there is no need to continuously make harassing repetitious phone calls.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-07
Company: MNE Services, Inc
State: CA
Product: Debt collection
Sub-product: Payday loan
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint:
multiple harrasing phone calls all day to my place of employment. they threaten my co-workers, telling them that " we are going to suffer the consequences ''. they will not stop calling, even after my manager has told them to stop. i have tried calling them, and they say that they will not stop calling my place of employment until i paid about {$1500.00} via prepaid visa. i 'm scared that they will somehow find my relatives phone numbers, specially my XXXX year old mother 's number and start harrasing them. PLEASE, IS THERE ANYWAY TO STOP THESE PEOPLE. THIS IS NOT RIGHT!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-22
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:
In XX/XX/2021 I submitted a dispute for a charge to my bank, XXXX, regarding a double charge on my credit statement. On XX/XX/2021 my credit report on Experian was altered and the result decreased my score by XXXX points. I submitted a dispute to Experian because they had listed my credit card as being in dispute with an FCRA tag. The account is listed but states there is no payment information or balance information. I received back an investigation complete letter XX/XX/2021 which stated there were no errors from Experian and the issue was with the subscriber- XXXX I contacted my bank and informed them of this and the bank initiated a dispute to verify the account information was being transmitted to Experian. I have since received a letter from the bank that states all information concerning the account is being reported accurately and the issue is with the credit reporting agency.

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 2015-05-19
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
Every time that I ask Equifax to correct my credit report they send me a letter stating that my identification information " does not match our records ''. Each time I send them proof of identification and proof of current address. Equifax uses this tactic to delay or fail to take corrective action on my credit report. Attached are XXXX letters from Equifax asking for the same information over and over -- XXXX from XX/XX/XXXX and XXXX dated XX/XX/XXXX. Please tell Equifax that they can not engage in this subterfuge to delay correcting my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-15
Company: STERLING JEWELERS, INC.
State: TN
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
They call me repeatedly, although I 've told them time and time again I will pay them when I can, as I do not have a job, which is why I have n't been able to pay them in the first place. Soon after I bought the item, I lost my job and in addition to this, the item was stolen and when I filed an insurance claim, it was not until then that I was told that theft was not covered under the policy, something an in-store representative failed to mention although I asked her specifically was theft, loss etc covered and that I wouldnt not purchase the item ( s ) if this was not the case and subsequently, I was told a very assuring yes.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-22
Company: STERLING JEWELERS, INC.
State: NY
Product: Consumer Loan
Sub-product: Installment loan
Issue: Problems when you are unable to pay

Complaint:
The attached company claims that the account will be removed on all pertinent credit reports XXXX XXXX. I stipulate that the account was opened in XXXX, that it went into default the same year, was eventually paid in full in XXXX, and that the company in question still not only maintains a balance of {$1500.00}, but that the account if legal would show a XXXX balance. My dispute was challenged and a copy of the XXXX XXXX result is attached, with virtually no response or required documentation to maintain a negative trade line on my personal credit report. The item needs to be deleted as mandated under the 84-month rule with the Fair Credit Reporting Act. The Consumer Financial Protection Bureau, as mandated under Dodd-Frank has taken up consumer rights where FCRA and Fair Debt Collection Practices Act consumer rights are being violated.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
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:
XXXX XXXX XXXX and Transunion continue to report a collection on the XXXX XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account has been paid and the agency has contacted the bureaus to remove this from my credit report. Unfortunately, the bureaus have not done this. Please remove this line item. This false reporting is seriously harming my credit score. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. I have contacted the bureaus as well to fix this however, I have not been successful.

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