BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-10-28
Company: Netspend Corporation
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble closing card

Complaint:
My paypal prepaid account was closed XX/XX/2021. The balance on my account at that time was XXXX. I tried to communicate with the company in every way i could find. I was given either no information, or incorrect information. These attempts to correct the issue, on my part number close to fifty. after over a month of having no access to my funds i was finally able to recover slightly over XXXX XXXXXXXX XXXX. There is a remaining balance of XXXX that was not returned to me ... after many more attempts to have my funds returned. All of which i was lied to, and made to provide documents and letters. ive done everything i was told. This company has kept my funds.

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 2017-05-23
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: Account status incorrect

Complaint:
I have never paid this account late  XXXX   XXXX   XXXX  Account #  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 2022-08-17
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: 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. TransUnion 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 719transunion has me at a score around 590. That is a huge difference. transunion 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 n i made this clear for 60 days straight with transunion 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 Transunion. 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 Transunion more than 21 times. transunion 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 XXXX XXXXant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no 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 explanation
Consumer complaint received 2022-09-11
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
I HAVE TOO MANY OPENED ACCOUNTS PLUS NEGATIVE ITEMS THATS SHOWN ON MY CREDIT REPORT FOR ALL 3 CREDIT BUREAU AND THATS DECREASING MY SCORE EVERY SINGLE MONTH

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-28
Company: Early Warning Services, LLC
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information is incorrect

Complaint:
After almost ONE MONTH THE RELEASE LETTERS FROM EARLY WARNING WERE ISSUED, I finally received them in my po box . The letters that provide information of my accounts and of the banks that reported my accounts to Early Warning were written FRAUDULENTLY. 1.-THE NAME OF THE BANKS ARE NOT THE LEGAL NAMES AND HAVE ABBREVIATIONS. 2.- THE ABA OR ROUTING NUMBERS OF THE ESTATES WERE OPEN THE ACCOUNTS WERE FRAUDULENT ALSO. 3.- THE ACCOUNT NUMBERS WERE ENCRYPTED NUMBERS, MAKING THIS AN ILLEGAL ANSWER BECAUSE THEY CAN BE USED IN A FRAUDULENT WAY.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-30
Company: ENCORE CAPITAL GROUP INC.
State: GA
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:
I am a victim of identity theft and this debt does not belong to me. 

Please see the identity theft report and legal affidavit attached.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-05
Company: Certegy Holdings, LLC
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
This company has never sent me their information. When a supervisor finally reach out to me. I was under the doctor 's car and i didnt write down her information correctly. This supervisor did inform me I would receive a refund, which I never received to date. Plus she did inform me that I would receive a paid in full letter. Plus the amount of fee ; s that I paid on this account. ALL I received from this company was a report of all the checks i have written. Nothing else. I called today spoke with two rude people one being XXXX Id # XXXX who refused to transfer me to a supervisor plus told me that she never saw that I spoke with anyone. Plus to say they are not a collection agency and she then would have a team member call me back. This is a horrible company that lies and refused to send me a paid letter of all my payments I paid. Plus refused to send me how much I have paid in fees. This is my 2nd complaint to CFPB.

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 2022-04-14
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
THIS FRAUDULENT ACCOUNT IS LISTED ON MY CREDIT REPORT AND I HAVE NEVER OPENED THIS ACCOUNT. MY INFORMATION WAS USED IN A DATA BREACH BECAUSE I HAVE NO BUSINESS WITH THIS COMPANY.

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 2016-10-14
Company: CITIBANK, N.A.
State: IL
Product: Credit card
Issue: Customer service / Customer relations

Complaint:
1. I applied and was approved for the Citi XXXX Credit Card on XXXX/XXXX/2016 and provided address A on the same day. 
2. I changed my home address on XXXX/XXXX/2016 because of moving and gave them my address B, however I have n't received my credit card until XXXX/XXXX/2016. During this time, I have told 10+ time my new address B ( which is the same one I provided on XXXX/XXXX/2016 ) over 10+ call with Citi. 
3. On XXXX/XXXX/2016, I wanted to pay for {$700.00} balance in my tuition online ( which is a legit school website ) and my card was declined for no reason. 
4. I immediately called Citi and they told me that because my phone number is invalid ( which is unreasonable because I am calling them from that phone number all the time ) and I do n't have a homeline ( I only have a cell ) and I do n't have another Citi credit card with them. So they CA N'T verify my ID. They told me the only way to verify my ID is that they will send me a letter in mail and I should follow the instruction. 
5. Today is XXXX/XXXX/2016 and until today I have n't received any mails from Citi. 
6. I called Citi on XXXX/XXXX/2016 asking about the letter in mail and they told me they would send me another one. 
7. To conclude : I applied for this credit card on XXXX/XXXX/2016 and I ca n't even use my card for XXXX time as of XXXX/XXXX/2016 and I do n't know how long I have to wait.

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 2017-05-23
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 Called  XXXX  on  XXXX   XXXX     2017 aft er sending several certified letters and hearing nothing in return. I talked to an employee that was beyond rude and refused to dispute my debt OR provide any information on how inaccurate information was verified with no contracts or bearing signature. ( this employee went on to say  XXXX  as a credit bureau Does Not have to verify anything, they can just look at at screen and if my name matches, it 's valid ) I then stated if you mark something on my report as verified by your company  XXXX , I have a right under federal law to be given information on HOW this was verified as it IS Inaccurate.   I also informed this employee that the company continues to report addresses that I do not live at nor have lived at nor can I receive mail at. Which again means this company is reporting inaccurate information about me. I also sent a certified letter to  XXXX  and EXPERIAN on  X/XX/17    stating something along these lines ... Please validate this information with   XXXX   and provide me with copies of any documentation associated with this account, bearing my signature.   In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number.   Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act  Section 611 ( a ) ( 1 ) ( A  ), and I am keeping careful record of your actions, including your Method of Verification. I do not consent to  XXXX  or any means of automated verification.   This company has no professionalism and before my call was over the employee had even told me to try to sue them, as he will not do anything to verify any information on my report and hung up on me. I was in shock! I have never in my life dealt with such horrible customer service, not to mention the fact that they make it impossible to talk to anyone about a dispute or incorrect data that they continue to report.  XXXX  and Experain will transfer you over and over again until somehow the line gets cut. It is an endless circle that gets nowhere and then when you do finally get ahold of someone this is how they speak to you. Not impressed at all with this credit company.

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 2015-11-20
Company: CITIBANK, N.A.
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
My home has been foreclosed on and is set for auction on XX/XX/XXXX at XXXX. I have not been able to obtain a loan modification nor a short sale approval. 
I am an older gentleman, XXXX years old. I lost my job in construction after the real estate market crash XX/XX/XXXX and soon was unable to make my mortgage payments. Since then, my wife and I have encountered several health crises. She has had to have XXXX and I had a XXXX XXXX and XXXX. All the while, we have also had to provide for my ailing XXXX year-old mother-in-law who is under our full-time care. 
Luckily, I was able to get another job XXXX this year. I am now healthier and gainfully employed. 
My home is now set for auction XX/XX/XXXX at XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
This is my 2nd Compliant, which I have also filed with the Civil Rights Justice, regarding the Home loan modification completed by Bank of America, which was predatory and caused financial injury, as it caused my home to go into foreclosure, as it was ultimately not sustainable, due to the excessive fees, high interest mortgage, which I believe was higher due to my race, as well as the forced insurance which was not needed, as I already had insurance. Bank of America, I felt did not attempt to work with me, but instead sold my mortgage yet to another company. The dates are roughly between XXXX  to XXXX I would like this investigated. Thank you in advance for your assistance.

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 2022-09-11
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:
In accordance with the Fair Credit Reporting act Equifax has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I want the information that is incorrect ( FTC report attached ) removed from my credit report

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 2017-07-05
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I recently started paying attention to my credit report since I am in the process of purchasing a home using my VA home loan. I noticed that my credit report had tons of inquiries that I never authorized or gave consent to. I disputed the inquiries with Equifax and the result came back that they were verified consent which is false. I never authorized any of these inquiries and constitute this as fraud. XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Inquiry from XX/XX/XXXX National Credit Card Cos. XXXX Inquiry from XX/XX/XXXX Miscellaneous Reptg. Agencies XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Inquiry from XX/XX/XXXX National Credit Card Cos. XXXX XXXX XXXX, XXXX XXXX Inquiry from XX/XX/XXXX National Credit Card Cos. XXXX XXXX XXXX, XXXX XXXX Inquiry from XX/XX/XXXX National Credit Card Cos. XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX Miscellaneous Utilities XXXX XXXX XXXX Inquiry from XX/XX/XXXX All Banks XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX Miscellaneous Utilities XXXX Inquiry from XX/XX/XXXX Miscellaneous Reptg. Agencies

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-03
Company: Bread Financial Holdings, Inc.
State: OH
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
I have two accounts with Comenity Bank ( Victoria Secret and XXXX  's ). Both had fraudulent transactions on them in XX/XX/2020. I have not had any activity on these cards in a significant amount of time and neither card should've been activated. 
The Victoria Secret charge was for {$110.00} and the XXXX 's charge was for over {$6000.00}. I did not make or authorize these charges. I disputed with Comenity and never heard an answer back for the charges on the Victoria Secret card and had to inquire multiple times on the XXXX claim, which was eventually denied and I was told I was responsible for the charges. I asked for them to review it a second time and they have failed to respond. I have tried secure messaging on their website and calling, however I get no assistance. 
I made a request for the XXXX 's account to be closed about 6-8 months ago and never activated the newest Victoria Secret card, I'm confused how they were even able to be used. Since I received no help from Comentiy, I don't know where else to turn but I can't afford these fraudulent charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-03
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: Personal information incorrect

Complaint:
filed a dispute on inaccurate information on address.they chose not to correct it.

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 2016-06-17
Company: ENCORE CAPITAL GROUP INC.
State: NY
Product: Debt collection
Sub-product: Credit card
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I reached a settlement agreement with the debt collector to make two monthly installments to pay the debt. It was agreed upon that I would call on or before the due date to make each payment. When I called to make the first payment, the representative would not take my payment, stating that the only way he could do so was if I set up the next payment to be automatically deducted from my bank account at the same time. This was not the agreement, nor was this included in the written settlement agreement sent to me. I filed a disput with the XXXX, the company responded by giving me the name and direct extension of an account manager to call. I have tried several times to reach this person. They do not answer the phone or return messages. They have now filed a civil judgement for the full amount of the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-05
Company: CITIBANK, N.A.
State: OH
Product: Credit card
Issue: Credit card protection / Debt protection

Complaint:
I have a credit card for Best Buy Citibank. I 've probably used it a few times this year. I have been making payments online and never bother to look at the statements ( since I have n't used it much ). Today I happened to look and noticed a fee for {$7.00} and DEBT PROT XXXX next to it. I have no idea what this is. I 'm assuming it is for Debt protection, but this is something I never signed up for and I do n't understand why I am being charged for it. I looked up my statements for the previous months and I saw that I have been charged for this " Debt Protection '' every month for over a year! I ca n't see my statements for past XXXX 2015, so I ca n't see how long they have been charging me. The fee is always different ... sometimes {$7.00}, sometimes {$8.00}, and sometimes {$9.00}. Is there anything that can be done about this? How can they charge me when I never signed up for 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 monetary relief
Consumer complaint received 2016-05-01
Company: CITIBANK, N.A.
State: TX
Product: Credit card
Issue: Rewards

Complaint:
I had a Citi XXXX card. In XXXX, I charged a total of {$9900.00} dollars to this card. This would normally pay out XXXX in cash back rewards. Citi chose to close my card for no reason. In fact, they sent me a letter effectively saying they have no reason - they 're just choosing to invoke their clause to close my account. 
But, they are refusing to pay my rewards. They are effectively stealing money. I mean, let 's look past the fact that they are closing my account down for no reason - as they noted, if they do n't want to do business with me - fine. I chose this card over other cards that did not choose me down. Citi profited on swipe fees with my account. Now, they are stealing the rewards they chose not to pay. This is deceptive and borderline criminal.

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 2016-07-05
Company: United Collection Bureau, Inc.
State: MD
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Caller ID says call is from " Unavailable '' and says call is coming from XXXX. Voice mail says recorded voice is calling from United Collection Bureau Inc. Does n't say who they are calling or what they are calling about. Asks that I call XXXX. I have no debts, I ignored the call. Call came at XXXX XXXX XXXX, 2016.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-11
Company: TD BANK US HOLDING COMPANY
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I have 3 accounts reporting late payments which are inaccurate. Companies are XXXX XXXX XXXX XXXX 1 LATE PAYMENT NORDSTROM/TD BANK USA 2 LATE PAYMENTS XXXX XXXX XXXX 3 LATE PAYMENTS ALSO inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX BANK ( XXXX XXXX ( Finance ) XXXX XXXX XXXXXXXX ( Bank ) XX/XX/2022 2022

Company response to consumer: Closed with explanation