BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-02-25
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
I have been disputing an account with XXXX, Equifax, and XXXX  asking them to sent me verification and the method investigation they use for a XXXX XXXX account ( XXXX ). I have been sending them letters stating that this account is inaccurate on my report and they should verify it. I also informed XXXX XXXX about them reporting an inaccurate account and sent them a validation letter. They sent me a letter asking me for more information because they either can't find me in the system or they are buying more time over the 30 day period.By law, it is the responsibility of the creditor to contact the credit bureaus to investigate and respond to a dispute from a consumer. It is NOT my job to do conduct any form of validation, verification, or any form of investigation process. I have been disputing with the bureaus for over 3 months. Transunion did reinvestigate and verified the account as inaccurate and removed it from my XXXX  credit report XX/XX/2017. XXXX and Equifax are the two reporting agencies that still have not deleted the account. I have not received any form of verification from either of the two. I have  attached supporting copies of dispute letters and return receipts to the bureaus as well as the debt verification letter to XXXX XXXX and their response letter. Again, Equifax and XXXX has not verified or explained method of investigation for the account with XXXX XXXX and XXXX XXXX has not responded to my debt validation. According to FCRA 611 ( 15 USC 1681 ), it states that if the " completeness or accuracy of any item of information contained in a consumer 's file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. '' The FCRA also states that upon any company receiving a validation letter, they are to cease from all collection efforts and delete the account from my credit files until they can validate this debt. Equifax, XXXX, and XXXX XXXX have failed to prove that I am responsible for this debt. Please help me remove this account from my credit report because they have no proof that I am responsible and have not sent any written documentation of evidence of a contractual agreement, or sent any method of verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-28
Company: Netspend Corporation
State: CA
Product: Prepaid card
Sub-product: Mobile wallet
Issue: Managing, opening, or closing account

Complaint:
I applied for a card from paypal prepaid XXXX ( issued by XXXX ) and was indeed issued a card. However, when I went to activate the card online, I was informed there was a problem with my account and directed to call customer svc. The woman on the phone told me that I was not eligible for an account with them and when I asked for a reason I was told " we can not give a reason ''. I asked whom I could contact for a reason but was told that no reason can be given and I can not contact anyone who can tell me why I was declined.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-12
Company: TRANSWORLD SYSTEMS INC
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
2 medical accounts listed from collection agency : TRANSWORLD SYSTEM, INC ( TSI ) of which I have disputed with XXXX, XXXX AND XXXX and Collection Agent continues to verify without providing any validation or proof of debt. Prior letter ( s ) from TSI represent information that is on TSI letterhead. I have requested, by consumer collection regulations, copies of original invoices from original medical creditors. To date, my requests, for now well over a year, have been ignored. I've requested service dates and any contracts I allegedly signed bearing my signature, agreeing to pay these bogus medical bills. I will attach a letter I wrote to TSI well over a month and all has been ignored by TSI. I'm asking for permanent deletion to both accounts with the file returned to original creditor. The accounts are TSI REFERENCE # XXXX & REFERENCE # XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-25
Company: WAKEFIELD & ASSOCIATES, INC.
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
So I have multiple debts I can not pay no matter the payment plan and I get a call multiple calls almost every day between XXXX and XXXX everytime I block their numbers they just use a new number and I can't get sleep because of it they wake me up every hour to every half an hour. 
I don't refuse to pay the debt but I just can't pay it I can barely even pay for cigarettes. 
I know this doesnt seem like much but I can't function because of them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-12
Company: Credit Control, LLC
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Credit Control LLC is refusing to send me proof of an alleged debt, refused to give business ID number and provided the wrong address ( correct address viewed on website ).

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 2017-03-03
Company: Netspend Corporation
State: CA
Product: Credit card
Issue: Unsolicited issuance of credit card

Complaint:
Today I received an unsolicited business debit card in the mail from a company named netSpend in XXXX, TX. It has a MasterCard logo, 16-digit account number, expiration date, and 3-digit security code. I called the number listed in the accompanying letter to opt-out but there was no option to speak with a human and every other action required entry of a 16-digit code or SSN so I hung up. I have never done business with these people, am not interested in their products, and the unsolicited card put me at risk for identity theft and credit card fraud.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-08
Company: Knight Adjustment Bureau
State: OR
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:
In XX/XX/2020 I disputed this collection on XXXX XXXX XXXX On my XXXX report Knight Adjustment responded saying this was accurate despite the fact that I let them know it was identity fraud. The other two agencies removed it from my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-08
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
On XX/XX/XXXX I stayed at a XX/XX/XXXX which I had booked through XXXX. XX/XX/XXXX wanted a deposit of {$57.00} to be released the following day when I checked out. 

I've spoken withXX/XX/XXXXseveral times and they assure me that they released the hold. 

The card that I used was an American Express Bluebird card. I've contacted American Express several times trying to discuss what should be done and they don't want to do anything about it. 

They said it will be held for 30 days unless the hotel releases the hold or mails a letter to American Express stating as much. 

I understand that there may at times be a need for credit card companies to hold funds. However for a credit card company to withhold my money from me for any amount of time when it is unwarranted in my opinion is theft. 
Respectfully XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-02-21
Company: Netspend Corporation
State: MD
Product: Prepaid card
Sub-product: General purpose card
Issue: Fraud or scam

Complaint:
I received a NetSpend Prepaid XXXX from a company called NetSpend, XXXX, XXXX TX XXXX. It was unsolicited and when I called the number they gave to OPT-OUT and decline the message did not give that as an option. I have sent an e-mail but do not have much faith that they will comply since the interactions so far has been extremely suspect.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-25
Company: EOS Holdings, Inc.
State: PA
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:
NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE. 

I recently received a copy of my consumer report and I noticed inaccurate accounts reporting on my consumer report. this company is in clear violation of the law. Pursuant 15 USC1681B

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-16
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE. 

INITIAL DISPUTE XX/XX/2020 30 DAY DEMAND XX/XX/2020

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 2022-03-25
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I had been living in my home for the last 20 years and when the owner decided he was going to sell I had to pull my credit apartment search when I saw all these inquiries and credit cards medical bills ect on my credit profile and a XXXX Florida address come up I have never ever lived in XXXX Florida but my ex boyfriend does so I did a XXXX search on the address and XXXX image and his XXXX XXXX XXXX XXXX came up so I think he rented his house in my name and gave my info to others he hates me and has been tounting me for years I have no actual proof but I did contact police.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-12
Company: I.C. System, Inc.
State: OR
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
The XXXX XXXX XXXX ( XXXX ) has I.C System out of compliance and therefore XXXX can not process any arbitrations with I.C System. 

This means they are not only in breach of contract with me but with every other account I.C System is servicing. 

I am requesting the Consumer Financial Protection Bureaus launch a class action against I.C System on behalf of all other consumers. 

This company is in breach of contract and failed to comply with the arbitration provision on the debt they are collecting.

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 2015-06-05
Company: DISCOVER BANK
State: CA
Product: Credit card
Issue: Privacy

Complaint:
I am very upset with Discover as both myself and my family have been harassed by this company. My bill for this month was due on XXXX XXXX, but I did not get paid until today, XXXX XXXX, so I was going to be late on my payment and have to pay a late fee. This is an understandable situation considering I am in the process of moving so I did not have my usual extra savings to cover the bill. Unlike other banks who respect their customers and would wait a considerable amount of time to start repeatedly calling to collect the money, Discover Card was blowing up my phone non-stop with multiple calls from them daily within the first week of my payment being past due. Although that is upsetting, that is not my ultimate concern. My privacy has been violated by Discover cards and their employees because I received multiple calls from my mother ( who does not live with me, who I do not have listed on my Discover card as an authorized user, and who 's phone number I have never disclosed to Discover card ) telling me Discover was also harassing her, calling my parent 's house multiple times a day impeding my fathers business calls in order to try and receive money for this payment, that at this point was n't even XXXX weeks late. Does that seem a little ridiculous to any one else? Because I am completely appalled at the fact that they somehow found my mothers number, and without my consent, called her to receive money that she does not owe. There should have been absolutely none of my information disclosed to someone who is not on my account. Even if they somehow obtained my parents personal number, there is no reason that when my mother answered the phone, again someone who is not listed as an authorized user on my account, that she should have even been told that my account had been over drafted and had not been paid for that month. Then my XXXX mother who has enough financial issues of her own felt obligated to pay this past due amount ( payment made on XXXX XXXX, 2015 ) to avoid being continuously called and harassed by the Discover company. Overall, I am very displeased and angered by this occurrence and I would definitely not recommend Discover to anyone. My privacy has been violated by this company, and both my parents and myself have been continuously harassed after a bill that was due less than XXXX weeks ago. I am going to be canceling my card once it is paid off and sticking with my primary bank XXXX. I am looking for a resolution to this unfortunate situation

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-08
Company: FRESNO CREDIT BUREAU
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I called this collection agency wanting to negotiate terms of my total amount. The amount I have owed ( according to the paper statements they sent me ) did not match what XXXX was telling me on the phone. I tried to get some information on where he was getting his amounts, dates of service, etc. XXXX insulted, said I didn't know how to read an account number. I emailed the office the statement I was clearly looking at and how it wasn't matching XXXX XXXX statements. He said that the email would have to go through another department, he couldn't explain a THIRD bill and date of service, nor could he explain the change of amounts, nor could he explain the {$400.00} difference in amounts. If a company can not be respectful to their customers, explain ACUTAL NUMBERS, and exchange information with their customers, but yet expect them to pay their bills, how is this legal? This company does not have to explain itself or what it is charging? Where does that power come from? What business owner is letting their male customer service reps, like XXXX talk to down to their female customers.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-02
Company: CASH AMERICA INTERNATIONAL, INC.
State: AK
Product: Payday loan
Issue: Charged fees or interest I didn't expect

Complaint:
I got a new cell phone XX/XX/XXXX, and contacted Cash America that weekend. Someone called me on my new number the following monday saying they were Cash America. They had all my info amd i was convinced it was legitimate. I paid over the phone to speed up the small claims case dismisal, and it was never dropped. I was later fined XXXX which came out of my XXXX check. No one had my cell but the court process server, and Cash America. No system was hacked or anything like people make excuses for them. Cash America is a scam company. 
i also recently received a threatening letter from a XXXX law firm demanding XXXX payment or the would try to sue me XXXX FOR THE SAME LOAN FROM CASH AMERICA XX/XX/XXXX. CASH AMERICA EXISTS TO RIP OFF PEOPLE AND THEY NEED TO BE STOPPED. 
ONCE THEY GET YOUR INFORMATION THEY WILL BLEED YOU DRY

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I had a first and 2nd mortgage with Bank of America on a home that I no longer live in. XXXX XXXX XXXX XXXX XXXX, NC XXXX loan numbers XXXX & XXXX Recent changes in our income, plus economic factors in the area make it impossible to sell the home for what is owed. After exploring Modification options, it became clear that our best option was a deed in lieu of foreclosure. Before our loans even became delinquent, I initiated this process with B of A back in late XXXX, to get the process moving. After spending countless hours on the phone, printing out, filling out and faxing forms, and taking the house off the market, Bank of America transferred the servicing of my loan to a company called XXXX, as of XXXX XXXX, just as the process was about to be completed. I received notice of this XXXX XXXX, and brought it to the attention of my deed in lieu of foreclosure specialist, who knew nothing of it, but said that there was nothing they could do. now the loan has transferred, and I am getting no response whatsoever from Bank of America, except to refer me to XXXX. I was assured that all of the information I have submitted will be passed along, but no one could assure me that I would n't have to restart the whole process. After reaching out to B of A several times last week, they finally called me today to tell me they were no longer servicing my loan and to call XXXX. I called XXXX, but they are " still in the process of receiving my information from Bank of America. 
As part of the process of satisfying the requirements, Bank of America required us to remove all personal items and take the house off the market as of XXXX XXXX, BECAUSE BANK OF AMERICA WAS CHANGING THE LOCKS AND TAKING POSSESSION OF THE HOME. 
I now have a vacant home that I can not access, that I am told I am still responsible for and no one is willing or able to answer any questions. I do not understand how Bank of America can transfer my loan in the middle of this process, especially after they have already taken possession of the property. Our family has become the victim of the economic wreck that these shady mortgage lenders created, and I have been doing my best to do the right thing here, but it appears to me that Bank of America is doing something underhanded in order to dump a bad loan. 
We chose to go the Deed In Lieu of Forclosure route, because we felt it was unethical to drag this out for 2 years in a costly foreclosure process, plus we understand that our credit rating will recover more quickly if we did it this way. 
We have been getting nowhere with Bank of America, and are completely invisible to our new loan servicer. 
I am attaching a few of the documents that I have scanned and sent in, but I have a 3 inch thick stack of paperwork concerning this, as well as dozens of emails. I only wish I had recorded the countless phone conversations!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Hello, my name is XXXX XXXX XXXX and I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Based o

n, 15 U.S. Code 1681c2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items 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 non-monetary relief
Consumer complaint received 2021-01-08
Company: Experian Information Solutions Inc.
State: MO
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 sent certified letter to validate a debt with XXXX XXXX on XX/XX/2020. After 30 days I didnt receive an response from them so I dispute it with Experian on XX/XX/XXXX and sent proof of my receipt! They after a few weeks said it was verified as correct and would stay on my. I called today and got the runaround with getting hung up on acting as if cant hear me transfers then I spoke with an agent who was professional yet rude and unhelpful and in so many words said they wouldnt take it off my credit report and cant provide me with information they verified as correct to keep on report! Im at a lost I followed protocol but neither will do anything to help! Ive had full financial assistance from hospital stays so I need proof of where and the debt is???

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