BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-11-30
Company: Netspend Corporation
State: OH
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/18 : {$1800.00} went missing from my NetSpend debit card account. The time of this unauthorized transaction was XXXX cst. Found out from NetSpend that this was a XXXX XXXX transaction. I told NetSpend that I have nothing to do with XXXX XXXX and that I don't even have a XXXX XXXX account. I even got XXXX XXXX on the line with NetSpend and myself on XX/XX/18, and the XXXX XXXX employee even told NetSpend that I don't have an account with XXXX XXXX. NetSpend said they can't stop this transaction from going through they can't block it even though I told them that this was not authorized. They said that after 15 days by XX/XX/XXXX if this transaction is still in pending status they will release the {$1800.00} back into my account. They also said I can't file a dispute until the transaction goes through yet meanwhile even in pending status I don't have access to my own money that was taken. My rent is due Saturday XX/XX/XXXX which I can't pay in fact I can't do anything can't by food. Please help me. I have no idea exactly how this could happen. NetSpend shut down the debit card and sending me a new card. I still don't have my funds and this has me sick to my stomach and I can't sleep good. If you need more information please let me know. Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have a Capital One Credit card that was charged off in XX/XX/XXXX. I started a payment plan with Capital One in XX/XX/XXXX to pay off the charge off in 4 monthly installments. The last monthly installment will be in XX/XX/XXXX. My recent XXXX credit report is showing a late payment after my third installment payment. It changed from 120 days overdue to bad debt / collection as marked on my XXXX credit report. Since this account was charged off in XXXX, the resumption of payments in XXXX should not be reflected as late payments. Please remove this recent late payment information from my XXXX credit report. Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-03
Company: DISCOVER BANK
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Good Morning, This is my second time having to contact you all re : Discover. I do not dispute that I owe them money, however, I called them many months ago to explain that I am not currently working full time due to effects of long term covid. They agreed to lower my interest rate to under 10 % ( from an obscene 25 % ) and to move back the date my payment is due by a week because that is when I get paid. Instead, I have been charge 4 late payment fees totaling {$160.00} and interest at 25 %. For instance, I made a {$1000.00} payment a few days ago on XX/XX/XXXX and they still charged me a {$40.00} late fee. ( I was late by 3 days after I had asked them to change my payment date. ) I don't understand why they are doing this and are not honoring their agreement. I will pay my debt, but I'm asking them to live up to their agreement and remove both the {$160.00} worth of late fees and the many hundreds of dollars they have overcharged me in interest. And on a personal note, I thought this was the way it's supposed to work ... in the sense of, a person is struggling and they contact a company to help them during a rough time and the parties come up with a reasonable solution. I've held up my agreement but Discover continues to overcharge me and seem uncaring about a medical condition that is placing me into severe financial difficulty. I am asking for your help as each time I contact them, they give me rote answers and false promises that they will get it corrected. I am at wit 's end with Discover and need some help. Thank you in advance for your assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-24
Company: Regional Management Corporation
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:
My social was used for a loan of XXXX $ that I did not apply for on the company call Regional financial. This account was open on XXXX XXXX. 
It start showing on my credit report a week ago. 
I called the company a couple time and we verified that the info they have under my name its not mine and they have not resolved this problem. 
They said something about some forms that I have to fill out but they never send me nothing. 
I would appreciate if someone would help me please. 
Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-13
Company: I.C. System, Inc.
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I XXXX XXXX made MANY calls to this collection agency in regards to their business being placed on my credit report ... I was directed to their website to make payments in which I have done just as I was told.. as per request I asked to speak to a member of management in regards to the fact that I C System still to this day is currently on my Credit report and all FOR THE LAST PAST 2 MONTHS ... I 've been told JUST ABOUT ANY THING JUST TO GET ME OFF THE CALL AS I REQUESTED FOR A MEMBER OF MANAGEMENT FOR HELP ..., AS I 'VE BEEN PROMISED I C System sent notification to ALL 3 Major Credit Reporting Bureaus to update their systems via account PAID / PAYMENTS .. I was also promised to receive a copy of the notice via regular mail / fax / email.. THE EMAIL THAT WAS SENT WAS BLANK!!! as to this day I have not receive ANY notices and the fact I made very clear to TEAM LEADER ( XXXX ) ID # XXXX .. I. C SYSTEM INBOUND CALL REPS ARE RUDE AND VERY DISRESPECTFUL.. I REALLY WANT I. C. SYSTEM OFF MY CREDIT REPORT ASAP AS TO THEY HAVE SENT THIS ACCOUNT BACK TO ATT/DIRECT TV.. WHOM I AM FOLLOW UP WITH AS OF XXXX I ( XXXX ) SPOKE w/ ( XXXX ) ID # XXXX XXXX/ XXXX XXXX BILL Location XXXX XXXX XXXX Name/Serial # ( XXXX ) *** dcd : XX/XX/XXXX / Service : XXXX ... I. C SYTEEM IS CURRENTLY STILL ON MY CREDIT REPORT AND IS NO LONGER COLLECTING ON THIS ACCOUNT FOR ATT/DIRECT TV.. THE TEAM LEADER PROMISED THAT HE WOULD FAX ME PROOF THE COMPANY REQUEST THIER COLLECTIONS TO BE REMOVED FROM REPORTING 3 MAJOR CREIDT REPORTING BUREAUS WHICH I 'VE NOT RECIEVED PROOF OF STILL TO THIS DAY.. I. C SYSTEM REFRENCE # XXXX Full amount {$320.00}

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 2018-11-30
Company: EQUIFAX, INC.
State: TN
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:
Please delete ALL allegations which are not demonstrated in clarity to be true, correct, complete, timely, mine, my responsibility, or else wise fully compliant.. I disputed the accounts but Equifax failed to send me evidence of the accounts in question..I am not related to any of these companies and did not sign up for an account..I demand that you remove the accounts asap XXXX/XXXX XXXX, XXXX XXXX XXXX*, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX   ( Original Creditor : MEDICAL ) XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) XXXX, XXXX XXXX XXXX  ( Original Creditor : MEDICAL ) XXXX, XXXX   XXXX, XXXX XXXX XXXX , XXXX XXXX. XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-30
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/2018 I made a transaction for {$2800.00} through my Wells Fargo Checking Account for an online purchase. Unfortunately, it was a scam and I never received anything. I have been suffering from severe XXXX because of this and Wells Fargo has done nothing to resolve the issue. I wanted them to go after whoever this so called merchant is and get back my money.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-24
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
TD Bank erroneously reversed provisional credits of over {$1200.00} for charges I disputed against the merchant XXXX, resulting in my account becoming negative. TD Bank then rejected all of my attempted transactions, leaving me without basic necessities like toilet paper because TD Bank can not read, and reading is fundamental in order to resolve banking problems. 

TD Bank incorrectly asserted that I did not send them the requested information by the specified deadline in order to maintain my provisional credit, because I sent it via email to them by the deadline and see the attached proof. Before I emailed it, I went into their XXXX branch who could not fax the information to their claims dept because the fax was not working. I attempted to resolve this with TD Bank multiple times. I want TD Bank fined. I want my money back plus interest according to the usury rate. TD Bank has also locked my account and will not provide me with any information over the phone or over the internet because they insist that they must " send me a text message '' despite my informing them that I lost my phone weeks ago. They are complete XXXX. Following resolution of this matter, I want my account closed with TD Bank as I will never bank with them again because reading is fundamental folks.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-12-26
Company: American Coradius International LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I received a debt supposedly through XXXX. I had an account that I closed XXXX years ago. The debit says that as if XX/XX/22, XXXX years later I somehow owed {$62.00} even though I didnt receive anything from XXXX and my account was at {$0.00} when I closed it. I called XXXX and they confirmed they didnt send any emails and couldnt verify the account that supposedly has a debt. The account number is XXXX. 

I tried the all American coradius international llc and they are closed. Also, this is a scam so I dont want to interact too much.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-13
Company: Experian Information Solutions Inc.
State: KS
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:
XXXX XXXX is incorrectly reporting the status of the auto loan that I had with them. It is reporting that the account is 30 days past due. It has knocked my credit score down XXXX points. I did a voluntary repossession on the vehicle on XX/XX/2017. The vehicle was not 30 days pass due. I also got a voluntary repossession letter from XXXX XXXX I enclosed a copy. I spoke with XXXX at the customer service site and XXXX the manager at the location I originally purchased the vehicle from.
I have had nothing but in Going issues with XXXX XXXX. From my payments being recorded and reported properly. To them being disrespectful, hanging up on me and refusing managers and supervisor. I have on recording them lying about my account details and so forth also included with complaint. I would like the status of my credit report updated. I did a voluntary repossession on XXXX. That 's what the credit report should say. I HAVE NEVER BEEN 30 days late with this loan and it should n't be reporting as so. This is defamation of character and slander of my credit report. I feel this is all done intentionally. I tried everything to prevent this. Even taking the car directly to XXXX XXXX corporate office at XXXX XXXX XXXX XXXX XXXX, XXXX, KS ; and also calling XXXX over at the independence office XXXX XXXX XXXX XXXX XXXX. I would like my credit report updated immediately. This is affecting my credit poorly and is very illegal.

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 2022-10-24
Company: CITIBANK, N.A.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
on XX/XX/2022 i was notified by XXXX XXXX that there has been a change to my credit score. i logged into the app to see my score being dropped by XXXX XXXX and being sent to collections because i missed a payment for my best buy credit card. i was confused because i didnt receive any emails or letters notifying me of this before XX/XX/XXXX. Even after the fact that it was sent to collections i still havent received anything. Its been a really tough year for me battling with XXXX XXXX XXXX XXXX. i admit i did miss a payment but i shouldnt be punished this bad for missing. since ive been paying on time previously. Since the situation ive been paying towards that credit card again.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-24
Company: Kingston Data & Credit International Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
The company never contacted me about Debt Collection and reported to the credit bureau that it was in collections. The original creditor is XXXX XXXX informed me and my fiance that there was no debt when we cancelled the contract, a contract that we entered into because we were promised things by the manager at the time which was rescinded a week later by the new manager. The original company that was hired to collect the debt said they closed their files on the case as there was no debt. See attached file. 

Never once did XXXX reach out to me to discuss this, which is why I am filing this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-13
Company: EQUIFAX, INC.
State: KS
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:
XXXX XXXX is incorrectly reporting the status of the auto loan that I had with them. It is reporting that the account is 30 days past due. It has knocked my credit score down 57 points. I did a voluntary repossession on the vehicle on XX/XX/2017. The vehicle was not 30 days pass due. I also got a voluntary repossession letter from XXXX XXXX. I enclosed a copy. I spoke with XXXX at the customer service site and XXXX the manager at the location I originally purchased the vehicle from. I have had nothing but in Going issues with XXXX XXXX  From my payments being recorded and reported properly. To them being disrespectful, hanging up on me and refusing managers and supervisor. I have on recording them lying about my account details and so forth also included with complaint. I would like the status of my credit report updated. I did a voluntary repossession on XX/XX/2017. That 's what the credit report should say. I HAVE NEVER BEEN 30 days late with this loan and it should n't be reporting as so. This is defamation of character and slander of my credit report. I feel this is all done intentionally. I tried everything to prevent this. Even taking the car directly to XXXX XXXX corporate office at XXXX XXXX XXXX XXXX XXXX, XXXX, KS ; and also calling XXXX over at the XXXX office XXXX XXXX XXXX XXXX XXXX. I would like my credit report updated immediately. This is affecting my credit poorly and is very illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-30
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:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the 3 credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. XXXX  XXXX Bankruptcy Date Filed/Reported XX/XX/XXXX Reference # : XXXX ; XXXX XXXXXXXX Bankruptcy Date Filed/Reported XX/XX/XXXX Reference # : XXXX ; XXXX XXXX Bankruptcy Date Filed/Reported XX/XX/XXXX Reference # : XXXXXXXX XXXX XXXX  XXXX Bankruptcy Date Filed/Reported XX/XX/XXXX Reference # : XXXX ; XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX ; If the credit bureaus feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each item is 100 % true, accurate, correct, complete & VERIFIABLE ). If the credit bureaus do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS
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:
XXXX XXXX is incorrectly reporting the status of the auto loan that I had with them. It is reporting that the account is 30 days past due. It has knocked my credit score down 57 points. I did a voluntary repossession on the vehicle on XX/XX/2017. The vehicle was not 30 days pass due. I also got a voluntary repossession letter from auto now. I enclosed a copy. I spoke with XXXX at the customer service site and XXXX the manager at the location I originally purchased the vehicle from. I have had nothing but in Going issues with XXXX XXXX  From my payments being recorded and reported properly. To them being disrespectful, hanging up on me and refusing managers and supervisor. I have on recording them lying about my account details and so forth also included with complaint. I would like the status of my credit report updated. I did a voluntary repossession on XX/XX/2017. That 's what the credit report should say. I HAVE NEVER BEEN 30 days late with this loan and it should n't be reporting as so. This is defamation of character and slander of my credit report. I feel this is all done intentionally. I tried everything to prevent this. Even taking the car directly to auto now corporate office at XXXX XXXX XXXX XXXX XXXX, XXXX, KS ; and also calling XXXX over at the independence office XXXX XXXX XXXX XXXX XXXX. I would like my credit report updated immediately. This is affecting my credit poorly and is very illegal.

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 2018-11-30
Company: NAVY FEDERAL CREDIT UNION
State: NV
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I opened my own bank account and Navy Federal credit union changed my statements to my ex husband mailing address. Nobody could tell me why this error was made? I went into the bank and spoke to a manger and he told me he had no explanation on why bank staments had my ex husband mailing address, he then looked deeper and my ex husband changed his account to his new mailing address so Navy Federal changed my own personal account to his mailing address. They felt they did no wrong and if I wanted to withdraw my funds they would immediately give me my funds and conversation over.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-30
Company: Diversified Consultants, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/2018 I disputed and requested validation from Diversified Consultants, Account # :XXXX  via certified mail that they received on XX/XX/2018. I received a response letter from Diversified Consultants dated XX/XX/2018 with a photocopy of a bill. A copy of a bill is not validation of a debt. Is it possible to validate a debt in two days? On XX/XX/2018 I sent another letter via certified mail ( received XX/XX/2018 ) requesting validation of this account and the procedure used to determine the accuracy and completeness of the information. As of XX/XX/2018 I have failed to receive validation. These are violations of the FDCPA including but not limited to Section 807 ( 8 ) and FCRA including but not limited to Section 623 ( b ). This needs to be deleted immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-30
Company: ENCORE CAPITAL GROUP INC.
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Called before 8am or after 9pm

Complaint:
They called my sister harassing her n yelling at her. Then threatened to record the conversation. They need to b stopped. My sister just got her a new cellphone number n somehow they're calling her.

Company response to consumer: Closed with non-monetary relief