BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-11-20
Company: Netspend Corporation
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
They sent a new card never got my stimulous payment. Never settled the claim. Continue to send fake cards in the mail.

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 2017-06-08
Company: Financial Assistance Inc
State: WA
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
Contacted by  XXXX   XXXX  from  Financial Assistance. As ked her to send me proof of the contract I signed she refused and started yelling how she will sue me and tried to get my address so she can serve. Would not let me get a word in, just kept yelling and making threats. I also told them before not to contact me on my personal cellphone number and she still did.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-25
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
XXXX   XXXX   XXXX  is saying that I owe {$550.00} for a  XXXX  bill. I have no outstanding bills with this hospital or   XXXX   XXXX    This was not me

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 2017-04-25
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: Information belongs to someone else

Complaint:
XXXX   XXXX  is saying that I owe {$550.00} for a Dentist bill. I have no outstanding bills with this hospital or   XXXX   XXXX  . This was not me

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 2017-04-25
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
I called someone on  XXXX  and  XXXX  requesting the extended fraud alert he removed. This alert is preventing me from purchasing a car. I was told on  XXXX  that it would be  24 hours and t he alert would be removed. I called   XXXX   and the alert is still there

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 2022-04-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX XXXX, XXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX Account # XXXX XXXX XXXX XXXXXXXX XXXX Account # XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-28
Company: DISCOVER BANK
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy. 
15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 
15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for, + purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-26
Company: ENCORE CAPITAL GROUP 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: Account status incorrect

Complaint:
On my XXXX and XXXX credit report, A credit collection agency is reporting a Two debts ( {$720.00} & {$280.00} ) that was included in my bankruptcy as collection accounts and money that I still owe. XXXX is reporting this as being included in my bankruptcy with {$0.00} being owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-28
Company: LEXISNEXIS
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
ACCOUNTS AND INQUIRIES WERE CREATED FROM UNAUTHORIZED USE OF MY SOCIAL SECURITY NUMBER AND CARD I DID NOT CONSENT TO AUTHORIZED NOR BENEFIT FROM ANY FOLLOWING PLUS THESE ARE OTHER NEGATIVE ITEMS CREATED UNDER MY SOCIAL SECURITY NUMBER. BLOCK AND REMOVE THEM.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-28
Company: Experian Information Solutions 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: Public record information inaccurate

Complaint:
I have never had a credit card, checking account or any kind of account before and I am receiving numerous letters from various different places. I can not open any account of any kind or cash any checks or write any checks I can not even cash in money orders that I have the receipt for which is odd and outright insulting I can not believe that I out of millions of people am unable to do so I feel like something should be done about this I don't know how I am supposed to make a living while not being able to do anything that anyone else is able to do it is not right and it is not ok

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 2018-02-02
Company: Lending Club Corp
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
I have been trying to resolve a complaint with Lending Club. Pursuant to the lending agreement, I submitted a request to arbitrate the case. 

Lending Club has not responded in any way to my attempt to resolve the matter. They have since written the loan off as noncollectable. 

I would like to have this case resolved via arbitration per the agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-25
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX   XXXX   XXXX . is saying that I owe {$250.00} for a hospital bill. I have no outstanding bills with this hospital or  XXXX   XXXX   XXXX . This was not me

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-20
Company: MUFG AMERICAS HOLDINGS CORPORATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Branch XXXX XXXX  XXXX has illegally frozen a business entity of mine bank account of mine ACCNT # XXXX. Money is being held without my consent and being leveraged to pay for a personal debt. I've gone into the brand to handle this and they are claiming a personal account is negative and I need to pay the balance for the personal debt and can not have the money from a business account. It's illegal to hijack my business account which is a completely separate entity. You can not freeze my business account and its assets bc of a negative balance in a personal account. My entire livelihood is in jeopardy and I can not pay for any bills or survive. If the bank wants money from me personally they may file a civil suite or place in collections. They can not do so against a completely different entity. Limited liability companies, or LLCs, are considered separate legal entities, wholly apart from their owners. This means the owners are not personally liable for the businesss debts and obligations. Likewise, the business is not liable for the personal debts and obligations of the individual owners. 

They have blocked me from seeing any transactions or even accessing my accounts or viewing anything because of a personal debt. 

I'm filing a lawsuit and filing with the FBI for bank fraud on this XXXX if the business account is not released. Any civil matter with me personally may be handled separately

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 2022-04-28
Company: EQUIFAX, INC.
State: PA
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:
I, XXXX XXXX who is a consumer sent certified letters to the XXXX, Equifax, and XXXX well over 30 days ago. Equifax has received and signed for the letter on XX/XX/22, XXXX received and signed for the letter on XX/XX/22 and XXXX received and signed for the letter on XX/XX/22.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-31
Company: SYNCHRONY FINANCIAL
State: LA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I mailed three separate dispute letters to Synchrony Bank for Wal-Mart, JcPenney and XXXX XXXX on XX/XX/2018. I have not received anything verifying my debts with Synchrony Bank as of today XX/XX/2018. To my understanding if I, the consumer, have not received a letter on company letterhead verifying the debt with my original signature within 30 days, then the company, Synchrony Bank, must delete all accounts 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 2019-12-13
Company: CITIBANK, N.A.
State: CT
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:
I used my COSTCO CITI CARD to give a tree surgeon an $XXXX  deposit to remove a tree from my house.  CITI CARD then allowed him to fraudulently place an additional $XXXX  on my card without my agreement, knowledge orauthorization.  I had no idea nor did I sign or even give verbal authorization regarding any price for this transaction. XX/XX/19.    Tree falls on my house due to tornado.XX/XX/19      I make a claim to my insurance company- they direct me to remove tree. I call XXXX  XXXX  XXXX for quote.  He says he will proceed with $XXXX  deposit, which I authorize.I advise him that insurance adjuster has to decide on balance, he agrees and says he understand how this works. XX/XX/19.   XXXX  removes ONE tree. He some how charges my CITI CARD $XXXX  that SAME DAY.  CITI would later tell me they thought it was ok, since he had my number.I try and explain to them their error- they seem clueless, but always agree with my position of fraud for this unauthorized charge.When CITI CARD statement arrives in XX/XX/XXXX, I   immediately file a disputed charge with them.  They accept my complaint and agree. They even cancel our card because they say the fraud is so serious, the amount so high.  No one at CITI can explain how this large amount was processed without any authorization from the card holder, me.I receive a request for additional information from CITI.  I DO NOT EVEN HAVE a bill to give them.  XXXX  XXXX  has  stopped answering my calls or texts.He has fraudulently taken my money.  If you look him up on XXXX, there is someone complaining he has done the same thing, for $XXXXOn XX/XX/2019 I finally get a text message from XXXX  with an invoice.  This invoice is totally false, with men and equipment listed NEVER at our property.  I have pictures and a adult witness at the scene.XX/XX/2019.  CITI CARD accepts my dispute and freezes my account.XX/XX/2019. I receive a request from CITI CARD for more documentation.XX/XX/2019.  I sent them all above information.  They tell me my complaint is so serious I have been moved to the Presidents Office in South Dakota.  I hear from XXXX  XXXX,CITI CARD, XXXX in early to mid XX/XX/XXXX.  She states she will get back to me no later than XX/XX/2019 with information regarding the CREDIT to my account.That day passes with no contact- I begin to call her every other day from XXXX to the present.  I receive no call backs -ever. On XX/XX/2019 I receive a letter from CITI rejecting my dispute.After all this time and stalling, CITI CARD has decided to help this vendor perpetuate this fraudulent transaction.  I am totally frustrated and respectfully seek you help.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 2021-11-20
Company: Paypal Holdings, Inc
State: VA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
Hello, I've been doing business with PayPal for over 8 years. Recently, I was asked to provide details about XXXX transactions, which I've successfully completed. Within a few hours, I received an email about my account being permanently limited ( which means banned ). I have over {$50000.00} of funds within this account, which I need to use for a downpayment on a home that I was planning to buy this week. They said that these funds would take 180 days in order to clear, which is an excessively long time. I did not expect this to happen, especially since I have a very low chargeback rate and high customer satisfaction. They claimed that I violated with " user terms '' but there is no evidence of this happening at all. I have not committed any fraudulent transactions, so there is no reason for them to withhold my funds for 180 days. I have signed contracts from all of my clients and our relationship is in good standing. I feel that this is completely unfair by Paypal. I have been a loyal customer for a long time. I expect them to resolve this issue within the next few days. 

Reference ID : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-28
Company: EQUIFAX, INC.
State: KY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair Credit reporting act XXXX  account # XXXX has violated my rights 15 USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions 15 USC 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 2021-04-01
Company: Ocwen Financial Corporation
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Our original mortgage was through Another company and then was sold to PHH Mortgage. When we closed on the original mortgage we did not have to include PMI because the loan to value ratio was below 80 %. However, once the loan was sold to PHH Mortgage they began paying PMI out of our escrow in the amount of {$160.00}. We tried resolving this with PHH, who originally told us it would be resolved in 3-5 business days. This has now been going on for over a month. They told us that they found an internal company memo that said the loan required PMI. The final closing documents clearly stated PMI was not required. We have proven this to them and they admitted that they should not have paid this out of our escrow, but their proposed solution was to refund us {$19.00} instead of the full {$160.00}. They can not explain why we should not be refunded the entire amount. If your mortgage is being serviced by PHH I suggest you read your statements carefully because I have a feeling they are doing these types of things to many people who just arent paying close enough attention.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-04-01
Company: EQUIFAX, 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: Public record information inaccurate

Complaint:
i've contacted the credit bureaus several times and i have spoken with the supervisors at the bureaus XXXX, XXXX, and equifax and the negative fraudulent accounts are still reporting on my credit reports ... below are the negative accounts that i demand to have deleted immediately or i will be forced to pursue legal action : Chapter XXXX Bankruptcy-XXXX  Chapter XXXX Bankruptcy-XXXX Chapter XXXX Bankruptcy-XXXX-XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-13
Company: TD BANK US HOLDING COMPANY
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:
I have on file as lived at XXXX XXXX  Nd XXXX XXXX  XXXX  I have never lived those places my ex wife has also Credit inquiries at XXXX XXXX and XXXX company checked my credit with out my consent Also XXXX XXXX  account belongs to my exwife I dont know if she put my name in these accounts we have been divorced since XXXX I have only lived at XXXXand XXXX XXXX XXXX only XXXX XXXX Texas

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-20
Company: Experian Information Solutions Inc.
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:
I am not an attorney or third- party rep, there are accounts on my credit report that does not belong to me and believe that this is an act of fraud. I have a legal right to dispute the following accounts -XXXX XXXX XXXX XXXX # XXXX -XXXX XXXX # XXXX -XXXX # XXXX XXXX XXXX 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 2021-11-20
Company: EQUIFAX, INC.
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:
I am not an attorney or XXXX- party rep, there are accounts on my credit report that does not belong to me and believe that this is an act of fraud. I have a legal right to dispute the following accounts -XXXX XXXX XXXX XXXX # XXXX -XXXX XXXX # XXXX -XXXX # XXXX -XXXX XXXX XXXX # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04
Company: WASHINGTON FEDERAL BANK
State: NM
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On XX/XX/2022 my father passed away. My father has an account with XXXX bank where he is the owner and his mother is listed on his account as representative payee for his social security payments. Days after my fathers death the bank allowed family members occumpanied by my dads mother to go in and withdraw {$26000.00} from his account that was not associated with any social security payments, the leftover ssi payments had already been withdrawn by social security. I made contact with the manager XXXX, I brought in the paperwork to prove that I was indeed the representative of his estate and she continued to withhold information about the transactions with me until I let her know that the money my dad had deposited came from a loan I was a co-signer on and I asked to speak to someone above her to find out where our money went. Finally she said they allowed family members to clean out my dads account because my grandmother was present and she was representative payee on the account. I had her confirm that rep payee was for ssi and confirm that ssi was already withdrawn, she agreed. I told her representative payee is only associated with ssi and it expires upon death and the account should have been frozen and left untouched until the Respresentative of the estate came forward to distribute the assets. XXXX feels as though she made the right decision to allow transactions on a deceased persons account and refuses to allow me to dispute or receive provisional credits while this situation is looked into. She also froze the account now that its at a XXXX balance & it has a legal representative to handle it. How ironic. My fathers house is at risk of foreclosure because XXXX bank allowed our money to be taken from the account in a way that breaches their policy. our money was illegally taken and XXXX bank should be held accountable.

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