BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-08-26
Company: Netspend Corporation
State: TX
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I contacted Netspend regarding unauthorized charges on my account XX/XX/XXXX I advised them my backpack was stolen with my credentials such as Id, bank card, cell phone and a result in this matter over {$600.00} was stolen from my account. I later found out somebody I know had stolen my belongings when she was caught stealing from XXXX and had my belongings on her. On XX/XX/XXXX  I received a email from Netspend stating that I will not receive any of my money back and that the matter is closed I do not understand how this issue was investigated properly this company is not protecting my money at all they never emailed me regarding suspicious activity. I can not continue to lose money like this and unfortunately it is hard for me to close this account due to the fact my husband is in the Military XXXX XXXX and he has an allotment scheduled monthly to this account. I will greatly appreciate your help. 

Thanks claim # 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 2017-08-26
Company: Prospect Mortgage, LLC
State: IL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
In XX/XX/XXXX of 2015, I received a preapproval from Prospect Mortgage as I hoped to purchase a single family home to live in. I complied with everything asked of me and provided all necessary documentation as requested. I was ready to close on the house when the loan officer I had been working on sent me additional questions to answer. One of these questions was- would my boyfriend be moving into the home with me? I found that question to be rude, disrespectful, and even a form of XXXX profiling. As a XXXX XXXX XXXX XXXX woman who is a professional, why would they assume that my moral standards were such that I would be shacking up with a boyfriend in my home? Furthermore, why would it even matter if I was pre-approved based on my income and credit. Ultimately, the loan was denied and even my loan officer indicated that he could not understand why since I met all of the criteria. He indicated that the individual in charge of making that final decision, XXXX XXXX would n't let the loan go through although there was no good reason. I lost money in this after having paid for attorney fees and inspections and even some minor reparations to the property so that it would pass the fha inspection. Asking if my boyfriend is going to move in with me when I had never discussed or made mention of a boyfriend seems demeaning and should be considered an illegal question in the mortgage lending industry.

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 2022-09-02
Company: HW Holding, Inc
State: MO
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Hunter Warfield calls back to back all day long. It's harassment at this point. I've deleted my log for the past week but I have some recent ones attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-29
Company: EQUIFAX, INC.
State: UT
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:
On XX/XX/2019 I received a credit notification that a collection agency representing XXXX XXXX had reported to all three Credit Bureaus a {$150.00} past due bill as well as a new ( and inaccurate ) residential address in XXXX XXXX XXXX. I live in Utah. 

On that same day, I disputed the inaccurate information with Equifax, XXXX, and XXXX. On XX/XX/2019 I received notice from Equifax that the inaccurate residential address was removed, but the collection notice was correct. 

I have verified with XXXX XXXX that the XXXX XXXX XXXX address is the same that is on the fraudulent account which Equifax removed. 

XXXX  quickly removed all fraudulent activity on XX/XX/2019. I'm awaiting XXXX XXXX investigative results.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-08
Company: EQUIFAX, INC.
State: KS
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:
My personal data, including name, date of birth, full social security number, driver 's license number and address were not held securely by Equifax, and now is in the hands of foreign governments or criminal hackers.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-26
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, delteted an account from my credit file. Now they have are adding it back to my credit file one by one. When I checked my credit it now reporting on my equifax report saying I owe XXXX ( Whom I 've NEVER DONE BUSINESS WITH ) .. XXXX.. This account was deleted from all three of my reports late XXXX of 2017.. The FCRA states I must be notified in writing before it 's placed back on my credit. I never received notice. I believe I never received written notice because I 've informed them this account is fraud. It does n't belong to me. I have been a victim of fraud!! I also ask this company for validation of this debt and never received it. I received a letter from XXXX XXXX stated they would Deleted account from my files. *PLEASE ATTACHED INFORMATION *

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-02
Company: ENCORE CAPITAL GROUP INC.
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
THis is regarding the letters i keep getting from XXXX, debt collection company. 
I have repeatedly mentioned to the few calls I attended that I do not own this credit card nor got any statements from the credit card. 
Long time ago, when the Credit card company called me once, I told them the same. They read me out the majority of charges were for painting from some other location ( I vaguely remember as GA or South Carolina ). I live in XXXX Mi since 1992 and have never visited the places where the card was charged. I do not know anybody in GA or travelled to the state. 
They mentioned that they will look into it. Afterwards I never heard from them and then heard from you that they have sold this loan. 
Usually, I dont answer most of the XXXX numbers. So, I might have missed a lot of calls from your company. 
Anyway, this Credit Card is not mine nor I made any charges on this. Please understand and investigate who has used this Credit card. This is some kind of Fraud using my name and my personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-08
Company: Experian Information Solutions Inc.
State: TX
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 noticed ANAUTHORIZED INQUIRIES on my credit report. someone else applied in my name. 

According to the FCRA, these UNVERIFIED and UNATHORIZED inquiries must be remove. 

name of credit bureau : INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 non-monetary relief
Consumer complaint received 2017-08-26
Company: CITIBANK, N.A.
State: MI
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: Overcharged for something you did purchase with the card

Complaint:
No credit for a reversed transaction. 
XXXX was charged on XX/XX/XXXX; reversed on XX/XX/XXXX -- demand for payment on XX/XX/XXXX XXXX! 

Phone call did not provide solution.

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 2017-08-25
Company: BB&T CORPORATION
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I spoke to 5 different representatives in regards to my acct and could not get any help to what others had told me. 
They reported me as a late payment when I had made the payment arrangement to avoid this because I 'm working on my credit and when addressing the company speaking with a representative stated that it would not be reported. In checking on my credit report that was false. Calling the business, I talked with more representatives still getting wrong information. Saying they do n't know what I was told, but that was not true!!! I do n't think they are being trained the right information I think I was ok to find out I was lied to I asked to speak with a supervisor, and he apologizes as well I asked him to give me a statement for the month of XX/XX/XXXX paid because they are a month behind and they only gave me the runaround. I been with this company since 2013 and expected more professionalism. 
I received only a payment transcript which is not even readable with not knowing what all codes are. And I received this after 6 phone calls and got different answers saying it would take 10 mins, 20mins, 48 hours or I could go online and see it, but that is not even a current update information.

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 2022-09-02
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:
Back in 2017 my wallet was stolen, Ive had MULTIPLE accounts opened in my name over the past 5 years. Ive been tying to resolve this for a while now. Everytime I dispute these accounts, they keep coming back as verified because all of my correct information was used from my wallet.

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 2017-08-25
Company: Navient Solutions, LLC.
State: NY
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:
Hi ive had years of turmoil with XXXX XXXX and navient in which they took advantage of me when I was younger- giving false information- Ive been charged a series of late fees and high interest- I am now swimming in student loan debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-25
Company: Bread Financial Holdings, Inc.
State: AL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I purchased a XXXX XXXX Watch at XXXX XXXX XXXX store in XX/XX/XXXX in XXXX for {$710.00}. The sales person sold it to me with the promise of a promotional-six months to pay with NO interest. I agreed and the credit card was approved for {$7000.00} ( with misspelled name XXXX ). I knew I would be out of town for the next month of XX/XX/XXXXso I PAID {$100.00} on the account on XX/XX/XXXX to ensure that I would have a reduced balance and no late fees or interest! The billing cycle did not acknowledge my " EARLY '' payment of {$100.00}, but wanted {$27.00}. So I paid the account in FULL by the END of XX/XX/XXXX ( or first week of XX/XX/XXXX ), but I refused to pay the LATE Fee that XXXX XXXX applied. How could I have been late when I PAID ( online ) {$100.00} in advance to ensure I would not be late? It is ridiculous and usury. I paid XXXX on XX/XX/XXXX and on XX/XX/XXXX I paid the balance of {$610.00}. They did not HONOR the agreement or their promotion. I believe the LATE fee is wrong and they refused to correct it. they told me that my EARLY payment was too early to be considered payment for XX/XX/XXXX, that is RIDICULOUS.  they are committing FRAUD.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-23
Company: WAKEFIELD & ASSOCIATES, INC.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Wakefield currently is attempting to collect on a debt from " XXXX XXXX XXXX '' that is not owed by me. I have not done any business with Wakefield or " XXXX XXXX XXXX '' I've attempted to resolve the matter with Wakefield and " XXXX XXXX XXXX '' several times and have gotten no resolve. I've asked for written evidence that this debt is owed by me with my signature and some sort of identification proving that I've engaged in business with this company. They have failed to provide any evidence, but want to pay on a debt they aren't even positive that is mine. I am prepared to take legal action against this company for failing to protect my rights un the FCRA and their predatory collection attempts. I demand they they remove this collection from my credit report immediately and stop all collection further efforts.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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 has violated my rights. 

XXXX XXXX XXXX XXXX has failed to report accurate information on my credit report impacting my overall XXXX XXXX. Multiple times I have contacted XXXX XXXX, XXXX, Transunion and XXXX to verify the accuracy of the account being reported and they have stated that the information being reported is accurate. In 2019 I received a Cancellation of debt for 1099-C for the amount of debt discharge of {$6900.00}. Reliable credit reports on XXXX a total balance of {$8400.00}. 

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, also states a consumer reporting agency can not furnish a account without my written instruction. 

XXXX, Transunion and XXXX has failed to do a proper and accurate investigation and has validated the accuracy of an account that is not accurate.

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 2019-11-29
Company: EMCC Holdings, LLC
State: SC
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 explanation
Consumer complaint received 2018-06-01
Company: Simon's Agency, Inc.
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I only knew about this alleged dept by checking my credit score. There are two accounts on there from Simon 's Agency with no additional information other than an amount and hospital name. I have made several disputes and have received no response. I had also submitted an XXXX proving I was insured and this alleged dept is false.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-25
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
So I was activated and placed on XXXX XXXX orders and sent to XXXX from XX/XX/XXXX to XX/XX/XXXX. Previously I paid my Chase bill by going into the branch. Around the time of my XXXX Chase ceased mailing the monthly statements to my residence. My wife was not on the account. The bank refused to communicate with her. She had a POA. They refused to take cash payments from her. They are reporting XX/XX/XXXX and XX/XX/XXXX payments as late. I am protected under SCRA and received credits going back through XXXX that mean there were no late payments. We made a payment timely in XXXX that was 10 times the amount of the minimum due. Chase is refusing to allow for the fact that while deployed I could not go to the branch and my wife could not pay in cash as she was not me. One of their representatives treated me so vile it was beyond discussion how anti-military that company is. I will stop at nothing to correct this wrong as long as I live. I tell everyone that Chase is an extremely Anti-Military company who are discriminatory towards service members who are serving in combat zones. Please correct this wrong. They have never responded to my complaint. After adding my wife as an authorized user they claimed they would only respond to me through CFPB. Now that I have returned and am still on XXXX XXXX, they need to be forced to respond to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-02
Company: ENCORE CAPITAL GROUP INC.
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I had payment protection on my XXXX  XXXX credit card when I lost my job I authorized them to pay the balance which I know happened. However XXXX XXXX took my account and sold it to Midland Midland refuses to validate the debt they can't because it was paid in full to XXXX XXXX  and yet it Still Remains on my account. 

I was forced to pay this again to get it off my credit report because it is impacting my ability to get a mortgage. 

BUT Midland keeps reporting it anyway Paid in full again confirmation number XXXX. Collector XXXX XXXX. From the XXXX MI office. And even though I expressed to him that this was paid he readily accepted a payment because he was more concerned about his bonus structure than actually resolving an issue for the customer.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-29
Company: EQUIFAX, INC.
State: AR
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:
Over the course of the past several months, I've consistently been in contact with Equifax consumer reporting agency regarding several fraudulent accounts being reported to my consumer credit file. I've sent numerous letters disputing the validity of these accounts which included a copy of a local police report that was filed by myself. The police report that was included, listed the accounts that were in question and established without my knowledge or consent. Under the Fair Credit Reporting Act section 605b, Equifax continues to violate my consumer rights by continuing to report the fraudulent accounts to my credit file after being notified of the information resulting from identity theft and failing to block the information within 4 business days of notification. This situation has caused a major burden on my current financial situation and been detrimental to my creditworthiness. I have been unsuccessful in my previous attempts in trying to resolve this matter with Equifax and plan to pursue litigation as a final result if necessary. XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX are the accounts that are in question and should not be appearing on my credit file due to identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA
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:
Between XX/XX/2022 and XX/XX/2022, an inquiry made by CAPITAL ONE BANK USA was added to your credit report. 

Applying for a new line of credit will usually result in a hard inquiry on your credit report. You could also see inquiries from applications for a new apartment, phone or utilities account. Each hard inquiry will typically lower your score a bit, though the effects often wear off after a few months. 

I never apply for Capital one bank USA.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
I am a victim of identity theft and I need help because my credit has really been affected. I have been asking for help and my lawyer told me to submit a complaint. I have completed the report and have attached my documents for proof of ID. I am deeply affected by the reporting of these accounts that don't belong to me. According to section 605 ( b ) of the FCRA, these accounts must be removed within 4 business days of reciept of this report. Failure to do so is a violation of my rights.

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