BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-03
Company: EQUIFAX, INC.
State: NY
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:
This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. It has been an encounter going over this and I am submitting this complaint AGAIN to remove the following fraudulent accounts in my file that are reporting on Equifax Credit Bureau. I would like to request the suppression of these items from my credit report, which is the result of fraudulent item origination and identity theft. I have already done my part by sending my documents like my DL, SSN, Address, and the dispute letter I sent to Equifax. Pursuant offer section 605B ( a ) ( 1 ) ( 2 ) you are required to BLOCK or REMOVE any information in my file that resulted from alleged identity theft, not later than 4 business days after the date of receipt PLEASE DELETE IMMEDIATELY! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-18
Company: CURO Intermediate Holdings
State: TX
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:
Countless times, XX/XX/XXXX - XX/XX/XXXX I have reached out to the original creditor ( Speedy Cash XXXX XXXX ), which now Ad Astra Recovery SE is now the collection agency. I notified both companies in writing that I am a victim of identity theft, and requested that they close the unauthorized account, remove any charges on the unauthorized account, and take steps to remove information about this account from my credit files, XXXX, XXXX, and XXXX. I have contacted FTC Identity Theft Report to report this. I have both companies to send me a letter explaining their findings, and that I am disputing the fraudulent charges. I have mailed so many letters, yet, no response. The amount is {$1700.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-21
Company: Netspend Corporation
State: PA
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
I lost my Netspend Debit Card back around XXXX 2016. I then discovered that XXXX unauthorized transactions were made. I immediately contacted Netspend Customer Service. The lost card was deactivated and an " investigation '' by Netspend began. I was informed by Netspend on XXXX XXXX 2016 that I will not be refunded the unauthorized transactions! They gave a lot of double talk as to why they made this decision, but at the end of the day, that money was stolen from my account, and the money is not Netspend 's but mine. 
So, I called the Customer Service number, and asked to speak to a Supervisor about this claim. I made a total of XXXX calls to Netspend. Each time I spoke to the Representative, I had to explain this claim, then they attempted to connect me to a Supervisor which never happened. 
XXXX XXXX @ XXXX-was on hold for 52 minutes XXXX XXXX @ XXXX, on hold for 10 minutes XXXX XXXX @ XXXX, on hold for 3 minutes XXXX XXXX @ XXXX, on hold for 21 minutes XXXX XXXX @ XXXX, on hold for 34 minutes Note, again, that I never got through to speak to a Supervisor about this claim. I have been in the XXXX for over 18 years ( XXXX ), and this ranks in the top XXXX, the worst way to handle a Customer Compliant. 
The sad thing is the amount is only {$250.00} that needs to be refunded, and the transactions were not authorized by me. Last, I placed a call to Netspend ; s Corporate Office on XXXX XXXX, 2016, but had to leave a voice mail message!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-06
Company: HUNTINGTON NATIONAL BANK, THE
State: OH
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
On or around the XX/XX/XXXX I opted for the verdraft protection, I have no I dea what I was thinking, Before I opted for the service I had no problems never a overdraft. Well low and behold the XX/XX/XXXX comes around and I have XXXX overdrafts, XXXX transactions was on the XX/XX/XXXX and cleared Another for the first and had cleared, I monitored my statement throughout all my deposits and transactions everything was good. I get the overdrafts the fifth and was told I had a XXXX grace period, well that didnt happen either. So here I am with XXXX overdrafts for XXXX that shouldnt happened in the first place, well they reembursed me for XXXX, and then turn around and put XXXX more on for XXXX each. Crazy I 'm so upset, The money was in there i monitor my account, they have manipulated my transactions to the point trying purposely to confuse and mislead. The XXXX shouldnt be on my statemen t and that caused XXXX more. I want the fees removed

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-27
Company: CL Holdings LLC
State: LA
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:
VICTIM OF IDENTITY THEFT AND THIS HAS BEEN ON MY REPORTS.I HAVE NO KNOWLEDGE OF THIS ACCOUNT.PLEASE DELETE THIS DEPT THAT 'S IN MY NAME.I HAVE NOT HAD SERVICE WITH THIS COMPANY IN THE REPORTING TIME FRAME

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-18
Company: AES/PHEAA
State: VA
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:
This past fall I received multiple emails from Fedloan Servicing that I had to re-certify my Income Driven Repayment plan or I risked falling out of good standing for my loan repayments ( even though there continues to be a student loan deferment/forbearance for all student loans due to COVID-related executive orders of the XXXX XXXX  XXXX Administrations XXXX. After multiple reminders, I did what my Fedloan Servicing instructed and resubmitted my information. I have now learned that this is not true, and that per the Executive Order, my payments should return to their pre-COVID levels. By recertifying my payments, due to incorrect warnings from Fedloan, my payments will increase substantially when they are restarted in the coming weeks. As such, I am reaching out to your organization to contact Fedloan Servicing and inform them that their incorrect guidance/warnings violated the Executive Orders of both the XXXX XXXX XXXX Administrations which dictate a return to pre-COVID payments following the end of the forbearance. Fedloan Servicing is unwilling to re-evaluate my loan payments based on this new information. 

Thank you for your help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-18
Company: U.S. BANCORP
State: MN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge 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:
On XX/XX/XXXX I tried to use my USBank XXXX card, only to discover that it was cancelled. During a conversation with the US Bank representative, it was explained to me that there was a request to cancel the card due to allegedly our move to Texas from Minnesota and a new card was requested to an address in Texas. According to the representative, the request was placed on XX/XX/2022. We, obviously, did not move anywhere. The information given to the US Bank was fraudulent. We were never contacted by USBank and, according to the representative, a new card was issued and sent to the Texas address. The representative would not give us the Texas address. We requested to immediately cancel the fraudulent card and notify us and verify with us, in case any address changes or any other changes on our credit account are done by anybody in the future. We have not received our XXXX statement, so we do not know if any fraudulent charges have been made in our name.

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 2017-05-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
The  XXXX   XXXX  is reporting several incorrect items on my  XXXX , Transunion and  XXXX  credit reports. First,  XXXX   XXXX  is reporting that there was payment activity in   XX/XX/XXXX  (   XXXX   ), w hich the last payment made was i n XX/XX/XXXX . Second, it is re porting that there is a monthly payment of {$2100.00} which the monthly payment is {$0.00}. The  XXXX  I have contacted  XXXX   XXXX  several times about identity theft and provided copies of police reports and fraud affidavits but in response instead of removing these fraud accounts -  XXXX   XXXX  reports these accounts as " new derogatory '' accounts which artificially lowers my  credit score.   <P/> The  XXXX   XXXX  is reporting this false information to illegally extend the 7 year reporting period, and is trying to keep these on my credit report an additiona l two yea rs which it legally can not 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 2020-03-10
Company: Midwest Recovery Systems
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This company Medwest Recovery systems has since the beginning submitted false claims to all three credit agencys. Multiple times on weekly bases, that this account lbelongs to me. My problem is they submit this claim three or four times a day. With intension of driving my score lower and lower. To date they also call three are more time a day, finally to date I have know docments from this company at all. 
this is Midwest Recovery Systems XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Mo XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-13
Company: JPMORGAN CHASE & CO.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
About XX/XX/2021, I fell victim to two multi-layered scam operations run by XXXX XXXX which involved me making deposits for a total amount of XXXX USD from my Chase Bank account to fraudulent investment firm ( s ).

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-26
Company: WELLS FARGO & 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: Account status incorrect

Complaint:
Wells Fargo put my mortgage account into forbearance without my knowledge. All payments have been made on time and I have never missed a mortgage payment. Wells Fargo claims I agreed to have deferred payments due to Covid19. I never signed or verbally agreed to anything regarding Covid19. Hence never missed a payment. I did not need any assistance due to the pandemic. Now my credit report is showing Wells Fargo account in Forbearance and affecting me when applying for other credit. I've reached out to Wells Fargo numerous times and still haven't heard back or have had the problem resolved.

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 2016-04-06
Company: Vital Solutions, Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I strongly suspect that Vital Recovery Services sold my " debt '' after I informed them that no one at my phone number had any overdue debts and that their calls had to stop. Subsequently, XXXX XXXX started years of harassing phone calls to my number.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-12
Company: Netspend Corporation
State: FL
Product: Prepaid card
Sub-product: Payroll card
Issue: Unauthorized transactions/trans. issues

Complaint:
On XX/XX/2014, I paid a bill over the phone for my daughter. The card company XXXX card issued by XXXX bank deducted funds from my account immediately. Apparently three days later when the gas company attempted to complete the trsnsaction nd collect the funds, it had been resended by the card company. I was told that it took too many days. My daughter had to pay by other means along with a late charge in XXXX. Since then I disputed the charge, provided proof it was payed another way nd the card company is still refusing to refund my funds.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: RI
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:
During the pandemic, XX/XX/XXXX, I contacted XXXX XXXX for late payment forgiveness for obvious reasons at the time. I had missed my payment and contacted them once I paid it off to see if they would forgive the missed payment due to the global crisis. Instead, they returned and ADDED a second missed payment to my Transunion account from XX/XX/XXXX. I have no idea where that came from or why I wasn't notified but having two missed payments on my credit is hurting my business as we are growing and looking to secure financing. 

Those missed payments do not accurately reflect my credit worthiness. 

Please help me fix this and hopefully remove both of these missed payments 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 2022-03-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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 tried to get the free annual credit report from all XXXX agencies yet was told I could only get XXXX scores, that credit scores were no longer given out unless I purchased : TransUnion : Purchase Your One-time Credit Score What You Need to Know : There are various types of credit scores, and lenders use a variety of different types of credit scores to make lending decisions. The credit score you receive is based on the VantageScore 3.0 model and may not be the credit score model used by your lender. Purchase a credit score for {$0.00} ( plus tax where applicable ) by clicking above. 

XXXX : I had to request it via contact XXXX : no credit score offered unless I purchased Isnt the law set up so I can obtain my credit scores one time per year for free? 
Please investigate. 

thanks, 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 2015-06-02
Company: Netspend Corporation
State: NY
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
The key issue here is that netspend debit cards are marketed and sold next to giftcards in pharmacy and convenience stores, but the XXXX classes of cards have significantly different rules of use. As a result, people buy debit cards, thinking they are gift cards, and when they are given to their recipients, they are done so without the recipient agreeing to significant fee rules which start upon *purchase* of the card ( vs *activation* of the card ), at least in the case of XXXX debit cards. As a result, the card value can be greatly reduced from the original value even before initial activation. 

The story : My kids received netspend debit cards from their grandparents for XXXX, each with {$75.00} on them. My parents thought they were giving the kids gift cards, not reloadable debit cards. Kids being kids, they forgot that they had them, and by the time we activated them 5 months later, they both were expired, and XXXX had a value of {$57.00}, while the other had a value of {$32.00}. In addition, a significant amount of personal information was needed ( social security number, address, etc ) to activate and use the cards. While the agent was able to arrange for the kids to have the remaining balances, l 'm extremely disappointed with the significant fees that were incurred before the cards were activated, and the difficulty in receiving back the cash originally put onto the cards. Basically XXXX received {$60.00}, 40 %!, of the money paid while providing absolutely no product or service ( other than a plastic card to be given as a gift. ) This just is n't right. I do n't know what to tell my kids about the gift they received from their grandparent - how do you explain to a XXXX that the bank took over half of their money? 

A cautionary tale to be told far and wide. It really is terrible to market these cards next to gift cards that have totally different rules so that someone mistakenly picks XXXX up to give as a gift, and for the receiver to be subject to unknowingly be subject to significant fees - I as a receiver did n't agree to these terms, yet I suffered the consequences. It really is n't right.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-05-28
Company: Experian Information Solutions Inc.
State: FL
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:
The  XXXX   XXXX  is reporting several incorrect items on my  XXXX ,  XXXX  and Experian credit reports. First,  XXXX   XXXX  is reporting that there was payment activity in  XX/XX/XXXX    (  XXXX   ),  which the last payment made was in   XXXX  . Second, it is reporting that there is a monthly payment of {$2100.00} which the monthly payment is {$0.00}. The Home I have contacted  XXXX   XXXX  several times about identity theft and provided copies of police reports and fraud affidavits but in response instead of removing these fraud accounts -  XXXX   XXXX  reports these accounts as " new derogatory '' accounts which artificially lowers my  credit score.      The  XXXX   XXXX  is reporting this false information to illegally extend the 7 year reporting period, and is trying to keep these on my credit report an additional  two  years which it legally can not 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 2022-03-18
Company: Gotmortgage.com
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I asked for us to get locked in on 4. % Rate the day we did application also they needed money for appraisal I sended it and now they won't send me a copy I asked several times and I got yes tonight ill send it and yes and they never did I called the number on paperwork all disconnected XXXX XXXX XXXX on web for Lending 3 Inc also paper work I signed same number don't work I spoke with XXXX XXXX and she is answer phone once and ignores her number is XXXX XXXX XXXX XXXXplease help me get what I paid for and what ever else I'm intitled to for this company causing me anguish thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-27
Company: JPMORGAN CHASE & CO.
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Confusing or missing disclosures

Complaint:
At XX/XX/2021, there is an unauthorized withdraw ( {$660.00} ) from my checking account. after i called the bank 20 times they could not give me a proper answer. there isn't another way to contact them and my account being locked by this bank without notification.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-18
Company: Netspend Corporation
State: NV
Product: Prepaid card
Sub-product: General purpose card
Issue: Unauthorized transactions/trans. issues

Complaint:
I have been asking Netspend/XXXX Prepaid operated by XXXX for access to my transaction history. For days they have been saying the system is down, then they told me they can not give me access I have to go through my XXXX account, I did that, it directed me to call Netspend/XXXX Prepaid customer service so I did that, they keep sending me in circles and I still do not have access to my transactions. I started noticing that the balance I should have in my account does not match the balance in my account and wanted to see how long this has been going on so I can file a dispute, I ordered by transaction record dated back to XXXX 2015 and was told I have to pay a fee, I said fine. They told me it would be 48-72 hours to obtain it and it would be sent to my email. To date, there is nothing in my email, they still will not let me access my transaction records online, they told me I needed order the record again, so I asked for it again, they are telling me another 24-48 hours now. I have totaled approximately {$300.00} missing from my account and I ca n't see if that is accurate or not because they will not give me access or the proper documents I need. This is not right.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-18
Company: CURO Intermediate Holdings
State: TX
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:
Countless times, XX/XX/XXXX - XX/XX/XXXX I have reached out to the original creditor ( Speedy Cash Com TXCSO ), which now Ad Astra Recovery SE is now the collection agency. I notified both companies in writing that I am a victim of identity theft, and requested that they close the unauthorized account, remove any charges on the unauthorized account, and take steps to remove information about this account from my credit files, XXXX, XXXX, and XXXX. I have contacted FTC Identity Theft Report to report this. I have both companies to send me a letter explaining their findings, and that I am disputing the fraudulent charges. I have mailed so many letters, yet, no response. The amount is {$1700.00}.

Company response to consumer: Closed with explanation