BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-01-25
Company: Netspend Corporation
State: TX
Product: Payday loan
Issue: Received a loan I didn't apply for

Complaint:
I was never contacted by the lender. Not even once. 
XXXX XXXX and XXXX somehow obtained my information and threatened me with legal action. They said they would harrass me at work every day and show up at my doorstep. They fraudulently aquired my information and continue to threaten me. They constantly call and say they have contacted XXXX XXXX and are serving me court orders. I contaced the actual lender and they said they are a scam company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-17
Company: GREAT LAKES
State: GA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
Since XX/XX/2018 I have attempted to pay my balance in full with no prevail, Great refused to accept my payment 4 times and now they have raised the amount by {$1000.00}. 
XX/XX/XXXX, XX/XX/XXXX, and XX/XX/2018 I sent letters asking for the balance and if they would accept full payment, FULL PAYMENT no response would settle this account legally and financially, they continue to willfully and knowingly report incorrect inaccurate information to the CRA 'S damaging my credit and lively-hood.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-15
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Today i
s XXXX XXXX, 2017. I 'm trying to get a mortgage and I 've been unable to lift the security freeze I have with Equifax over the phone or online because their systems keep crashing. I 've tried to get through to Equifax 15 times in the last 72 hours. Their phone line and website have crashed. I called last Thursday ( XX/XX/XXXX ), before I knew about the hack and someone from Equifax told me to mail all of my personal information to them, including my address, name, SS #, DOB, a
nd PIN code to unfreeze my account. But then I learned of the hack and I did n't feel comfortable sending all of this personal information to them through the mail. Everyone knows they 've been hacked and it would be too easy to intercept a letter addressed to " Equifax '' that has all the information they 'll ever need to steal my identity.
I should n't have to mail all of the information to Equifax that I have been protecting by placing the security freeze in the first place. Now I 'm at risk of losing the home I 'm in contract for because I ca n't access my credit information. This is a DISASTER.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-22
Company: The Receivable Management Services LLC
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Receivable management collections placed a collections account on my credit report for {$310.00}. This is fraudulent and not my account I need to have it removed as soon as possible

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 2019-12-19
Company: BARCLAYS BANK DELAWARE
State: WI
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:
Hello, I am reporting Barclaycard services. I have a credit card with them for over 5+years.  The account is closed and have been making my monthly payments. My online account was locked and it is requesting my account number to reset password. I do not have my account number, and the card is destroyed as the account is closed. I called Barclay services today XX/XX/19 at XXXX to get my account number to reset password. They are telling me they are not able to give me my account number because it is on the card, and they can't issue me a new card as the account is closed so my only option is to contact them via phone and pay over phone with a fee until the card is closed. This is credit card fraud, and I will not be paying over the phone this bill and this debt will not be paid and will forgo legal charges against them for debt fraud.

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 2020-01-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
For three years ( 3 ) I have been fighting to have an inaccurate account from XXXX XXXX XXXX, listed on my credit report. XXXX XXXX XXXX is continuously reporting Inaccurate account information to XXXX, XXXX and Transunion, including that I owe {$580.00}. I have sent five ( 5 ) disputes directly to XXXX XXXX XXXX, XXXX, Transunion and XXXX and I demand this account be completely removed from my credit report. This account has multiple violations of the Fair Debt Collection Practices Act, which guarantees a fair and accurate credit report. I formally dispute this account and reserve the right to file suit in U.S. District Court for violations of FCRA and FDCPA. 

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 2016-03-16
Company: Netspend Corporation
State: TN
Product: Prepaid card
Sub-product: General purpose card
Issue: Unauthorized transactions/trans. issues

Complaint:
On XXXX XXXX 2016 I made a purchase from lowes via there website.There was an issue with that purchase that led me to file a dipute. XXXX corporate agreed to that dispute and authorized the release of those funds back to me.However my debit card company is holding those funds and will not release back to me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-01
Company: DISCOVER BANK
State: WI
Product: Credit card
Issue: Other

Complaint:
XXXX times now, I have requested that Discover Card not contact my former home number or my former employer number when trying to reach me regarding my account. I have been told that my account has reflected my " no call '' request but Discover Card is still trying to reach me at these numbers. This has become a harassment issue and violates my rights per the Federal Trade Commission. They are contacting these numbers multiple times per day even though it is clearly stated on my account that I issued a " no call '' request. I have spoken with several customer service members at Discover Card regarding this, all of whom have told me that they can see my approved " no call '' request noted on my account and that they should not be calling. Yet, they still are calling several times every single day.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
XXXX shows account that does not correspond to any Master Promissory note at a time I was not in school. Continues to report to 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 2022-07-22
Company: EQUIFAX, INC.
State: TN
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 XXXX XXXX XXXX ( XXXX ), account XXXX has violated my rights. 15 US 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 absolutely can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-16
Company: Empowerment Ventures, LLC
State: IL
Product: Prepaid card
Sub-product: Other special purpose card
Issue: Adding money

Complaint:
I have a rushcard and they sent out an email last week saying they was going to be doing updates on XXXX/XXXX/2015. That was fine and went I went to check my account the little I did have in there was gone. They made an statement that whoever was getting paid 2 days early or the day before will not get it until their payday. Today XXXX/XXXX/2015 is my payday and I have n't not got anything. I check my card on XXXX/XXXX/2015 it was money on my card and then when I went back to check it again it was gone. I have bills that are due and kids that need stuff. Rushcard mess up everything. Once I get my money from them I 'm done. I have to pay a late fee on my bills and figure how to get the stuff my kids need. This is not fair. I been calling all day and I get the same story, that they trying to fix the problem and they will send out a text when it 's up and working. My plans had to get cancel cause of this. I have to figure out how I 'm going to get to work on Sunday.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-05-22
Company: ASTA FUNDING INC.
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
on  XXXX   XXXX    XXXX  , I receive a mail from my bank state that I have a court order levies on my account, for the amount of  XXXX  of outstanding principal remains due and unpaid., assigne to whom this debt is owe i s ( palisades collection, llc ) J UDGMENT DATE  XXXX  .th  e sc am by the collection agency is using my old address @ the court in  oder for me  not know about it, until now he come after m e, 1 ] fo r a 10 years plus debt, I want to have a full detail of that debt, and how debt was made, and also how much  palisades  collection .llc paid for it. from who he brought it from?     XXXX   XXXX    XXXX   XXXX  of  XXXX  index  XXXX  plaintiffs palisades collection, llc defenda nt,   XXXX   XXXX    INDEX   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 2015-05-05
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I have a lot of Fraud Incuries from all kinds of banksXXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX and none of them are removed from any off my creditreport with Equifax or XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
XXXX is a XXXX agency and has reported to all XXXX reporting agencies false info. Both them and the XXXX have failed to provide the XXXX and or Bases for the XXXX. All XXXX agencies have reported derogatory information based on this lack of communication. ONly XXXX has motivated them to retract the negative information and or collection. Still the derogatory history remains on my credit. please assist. I can send you the pdf of XXXX response.

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 2020-06-16
Company: BANK OF THE WEST
State: SC
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
Bank of the West, XXXX XXXX is misapplying my monthly payments on a fixed installment loan with no payoff penalty. Our obligatory payment is {$430.00} - we have paid each month since XX/XX/2019 {$600.00} on autopay. Some months exorbitant amounts of our {$600.00} payment go to interest, others to the principal. This is wrong. Of the {$430.00} amount, a certain % of that amount should be going to principal, the remaining % to interest. Anything in excess of the {$430.00} should all be getting applied to the principal. This isn't happening. Please see the attachment I've included proving this.

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 2020-04-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I RECENTLY HAD MY CREDIT PROFILE PULLED. UPON LOOKING AT THIS REPORT I HAVE NOTICED THERE WERE ACCOUNTS THAT WERE NOT MINE. THERE IS ONE ADDITIONAL ACCOUNT THAT IS REPORTING LATE PAYMENT HISTORY WHICH IS IN ERROR. I WAS NEVER LATE, SO PLEASE AMEND TO SHOW NEVER LATE. 
I HAVE SENT DISPUTE LETTERS ON XXXX-20 BUT TO DATE I HAVE NOT RECEIVED ANY RESPONSE FROM YOUR COMPANY. WE HAVE 30 DAY VIOLATIONS IN DIRECT VIOLATION OF THE STATUTES UNDER THE FCRA.

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 2017-03-17
Company: DISCOVER BANK
State: NY
Product: Credit card
Issue: Billing disputes

Complaint:
This complaint is in response to Consumer Financial Protection Bureau Case No. : XXXX Discover Financial did not complete their obligation regarding my fraud case, issued last year. I have submitted an updated complaint, as Discover Financial did not fulfill the obligation that they promised. 

Update to XXXX 's complaint : Discover card services did not credit all of the fraudulent charges on my account. As stated by the Discover representative, the company needed " additional time '' to take care of this case. I have been disputing this issue with discover since the fall of 2016. How does a credit card company get away with taking over a half of a year to take care of fraud charges on an account? Discover omitted fraud charges that I sent to their fax machine - XXXX and physical mail address : Discover Financial Services XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, DE XXXX Discover credit card company created barriers for me to correspond about the fraudulent charges, so I had to great length to communicate the fraud to Discover Card company. I have sent countless amounts of documentation, pertaining to the fraudulent charges, to the Discover Card fraud department. Discover needs to credit the remaining charges that I submitted to them. Just because representatives of Discover credit card company correspond to the CFPB, does not mean the issue has been addressed and it goes away. I will confirm the issue has been rectified upon receipt of the check totaling the correct amount of money, for the charges that have not been credited back to me. Please note that I have received confirmation letters from Discover, acknowledging that they have received correspondence form me regarding the fraud on my account as recently as XXXX and early XXXX, on top of the other fraud confirmation letters sent previously and that they are working on the situation. Discover credit card services needs to complete this fraud case immediately and upon receipt of the check I am owed, I will sign off that this issue has been taken care of. 

Publish this complaint publicly, on the CFPB website, so consumers can publicly view the fraudulent tactics Discover Financial Services considers business as usual.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-23
Company: Capio Partners, LLC
State: OH
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:
In XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, Capio Partners LLC,  XXXX, TX has placed several collections accounts on my credit report on behalf of a company called XXXX. I have been alerted to these incorrect postings each month through my XXXX XXXX  on my XXXX XXXX card. 

In XX/XX/XXXX, There was a past due amount of {$610.00}. I was able to get this removed from my XXXX  Report. I believe there was a second charge, but I can't find the paperwork to give you a past due amount. 

In XX/XX/XXXX, There were two past due amounts, one for {$260.00} and the second for {$200.00}. These charges showed up on my XXXX  & XXXX Report. These two charges were removed from my XXXX and XXXX Reports. I called the XXXX, and there was nothing from Capio on their report, thankfully. 

The lastest, XX/XX/XXXX, there are two past due amounts, one for {$140.00} and second for {$98.00}. I have placed a dispute with XXXX, it is not showing on the XXXX  report, and I need to need still to check my XXXX report on Monday when their offices are open. 

Additionally, an address for XXXX, OH keeps being added to my XXXX  Report. I'm in the process of disputing this as well. I have never lived in XXXX, OH. I have never received services at any XXXX  facility. I have never received a bill from XXXX because I have NEVER been a patient! 

To date, I have placed fraud alerts on all three of the credit bureaus. 

I have tried to contact Capio Partners, but no one ever answers the phone. I have left a message, but have yet to hear back from them. 

I have spent probably 12 hours in the last three months trying to resolve these recurring issues. I value my well deserved high credit score, but clearly, Capio is selecting the wrong person and placing negative information on my credit report. I want someone at Capio to look for the  correct individual and leave my record alone. 

Thank you for any assistance this bureau can provide to put an end to this issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-24
Company: FIFTH THIRD FINANCIAL CORPORATION
State: KY
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Fifth third bank closed my checking account after I deposited XXXX. In to my own checking out via mobile deposit. They said I havent used my card in 6 months which is a lie I use it daily for gas. They would not give me a corporate phone number. They blocked me out of my mobile banking and my money. I missed work, lost out on money.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-22
Company: EQUIFAX, INC.
State: NJ
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-22
Company: Comerica
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I have direct express which my XXXX is deposited, The government says they deposited my stimulus but direct express never made those funds available. They have lost money by not transferring it to the next month statement. I have called them several times and have gotten no were they have hung up on me or made me wait on the phone for almost 2 hr only to hang up on me again. 
They are fraudulent-

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-19
Company: Advantage Financial Service LLC (Idaho)
State: ID
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
XX/XX/XXXX To Whom It May Concern, I am reaching out to you for assistance with XXXX entities that have provided less than adequate basic customer service. Both XXXX XXXX and Advantage Financial Services, LLP have lied, falsified documentation, harassed violated Fair Debt Collection Practices Act, the Fair Credit Reporting Act and failed to respond to a qualified written request. 
This began with my daughter ( XXXX years old ) needing XXXX. We were referred to XXXX XXXX for services. On XX/XX/XXXX we arrived for her appointment and filled out paperwork that included the insurance information for my ex-husband with XXXX XXXX and my insurance with XXXX, among other information provided. Copies of both insurance cards were taken as well. 
I am attaching a complaint letter as it exceeds your allowable characters here.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation