BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-10-16
Company: Netspend Corporation
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Unexpected or other fees

Complaint:
NetSpend has questionable business practices. I noticed my balance dwindling so I called to clarify the unauthorized charges that appeared to be mistakes. 

I was not informed of the {$2.00} charges for ATM usage. Then I noticed {$1.00} fees which did n't make sense which they later stated was due to my card being declined at the ATM! 

Why would you charge someone who did n't have enough funds to withdraw money in the first place? None of the fees were I made aware of until it occurred. This company is very shady. Please investigate further.

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 2019-11-28
Company: CURO Intermediate Holdings
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Struggling to pay your loan

Complaint:
I applied for a payday loan and repaid the loan. I strongly believe that the the loan amount was re-approved without my knowledge and ended up effecting my credit score which the account went to collection on XX/XX/2018 and im noticing this effect until now. At the time i did not know how credit work or payday loans. Further more with this in effect im being stop in potential opportunity and will appreciate forgiveness for better credit experience.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-16
Company: Synovus Bank
State: VA
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:
In XXXX, I opened a XXXX XXXX secured credit card with a deposit of {$200.00} that I put down towards my credit line. In XXXX of XXXX, I paid off my balance in full and requested my security deposit back in writing. When I contacted the company in XXXX, they lied about not having received my account closure request, which was sent in the same envelope as my final payment. I still have not received the money and would like my deposit back as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-09
Company: EQUIFAX, INC.
State: CA
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:
From Equifax 's website, I have learned that I was a possible victim of their data breach, which was announced to me on XX/XX/XXXX. These hackers had access to my name, Social Security number, birth date, addresses and possibly my drivers license number. 

This has caused an unbelievable amount of stress for me and my potential future family. It could affect my ability to get a mortgage in the future. This should not have happened, especially when they charge money to send a credit report. They should be held accountable.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-28
Company: BMW Financial Services NA, LLC
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:
BMW IS REPORTING NEGATIVE LATES ON MY ACCOUNT NUMBER XXXX DATE OPENED XX/XX/XXXX LATE REPORTING IS ON XX/XX/XXXX AND ACCOUNT NUMBER XXXX DATE OPENED XX/XX/XXXX, THESE ARE ABSOLUTE INACCURATE. 
I HAVE WRITTEN REMOVAL REQUESTS TO BMW FIN SVS. BUT NO RESPONSE FROM THEM I HAVE REQUESTED THEM CURRENT LETTER OR ACCOUNT STATUS LETTER, BUT THEY ARE NOT RESPONDING. 
AND PLUS THAT I HAVE CONTACTED BUREAUS TO HAVE THIS REMOVED THEY ARE NOT COOPERATING AND PLACING DISPUTE AFTER DISPUTE. 
PLEASE HELP I NEED TO REFINANCE AND THIS IS AVERY IMPORTANT ISSUE AT THIS POINT IN MY LIFE. 
I WOULD GRATEFUL IF YOU HELP ME

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-01
Company: Experian Information Solutions Inc.
State: CA
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'M DONE ASKING NICELY. I'VE SENT YOU NUMEROUS LETTERS INFORMING THERE IS INACCURATE, ERRONEOUS & UNVERIFIABLE INFORMATION ON MY CREDIT REPORT. You are required under the FCRA to have a copies of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct. 

In the results of your numerous investigations and subsequent reinvestigations, you stated in writing that you verified that these items are being reported correctly? I'VE ASKED YOU " WHO VERIFIED THESE ACCOUNTS? You have NOT provided me a copy of ANY original documentation, OR COPIES FOR THAT MATTER, as required under Se

ction 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified. Sections 616 and 617 provide me with remedy when a credit reporting agency does not comply with the law. You are wilful noncomplying with the FCRA. Since you CLAIM TO HAVE VERIFIED THESE ACCOUNTS BUT HAVE NOT PROVIDED ME WITH ANY INFORMATION. I WILL GIVE YOU ONE LAST CHANCE TO " UPDATE/REPAIR '' THE FOLLOWING ACCOUNT. 

XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$240.00}, XXXX XXXXXXXX Date Opened XXXX XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1100.00}, and XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$0.00}.

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 non-monetary relief
Consumer complaint received 2022-03-06
Company: Bridge It, 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: Account status incorrect

Complaint:
I opened a credit builder loan with Brigit/XXXX XXXXXXXX XXXX in XXXX of XXXX. My payments were set up to come out of my bank account by ACH. My account was being reported as accurate until I received notification from XXXX XXXX on XX/XX/XXXX that I had missed a {$10.00} payment. Brigit does not provide a phone number to contact them with an issue or question. Everything is directed through their email. I emailed them about the missed payment as I had not been notified. They claimed that they had emailed and texted me as my first payment had not processed yet they reported that it was on time to the credit reporting agencies. At that point I decided to close my account due to failure to report and inaccurate reporting of information. I received {$30.00} of my payments as the credit builder account doesnt provide any monies upfront therefore I did not owe any money for the loan as I had not received anything. I discovered that Brigit had not closed my account as requested and is still reporting the balance of the loan as {$410.00} when it should be XXXX. Again, I received no part of the actual loan monies. They have also reported the one late payment as different months for all three of the credit reporting agencies. Brigit had reported the late payment for XXXX and XX/XX/XXXX and currently as XX/XX/XXXX even though the account was closed on XX/XX/XXXX. I have all of my email communications to prove their response to their inaccurate reporting and I provided them with my credit report showing it is still reported as being open in XX/XX/XXXX. I have disputed this account 3-4 times with every credit reporting company yet Brigit continues to state the information is accurate. This is harming my credit as it brings up my credit utilization percentage and dropped my credit score based on their failure to notify me about a potential ACH issue with my bank. I have considered hiring an attorney to sue this company as I am not getting any resolution from Brigit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-09
Company: Experian Information Solutions Inc.
State: AL
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:
Date reported and Delinquency first reported have been recently changed to a date after the charge off

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-06
Company: Revco Management, LLC
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX  XXXX turned me over for collection on an account that is not mine. My account number is XXXX. The account they are trying to collect on is XXXX. I talked to the collection agency and they have my social security number and address linked to the wrong account. I believe XXXX XXXXXXXX somehow merged two accounts and that's how this started. My address is XXXX XXXX XXXX XXXX There is also a XXXX XXXX XXXX in my neighborhood. The XXXX XXXX property was sold in 2021. The gas would have been turned off and on at least three times during the process. The family that lived there sold to a contractor who flipped the house and then he sold it. 

In the summer of 2021, I heard a noise on the gas meter side of my house. When I went to investigate, there was a gas company employee there kneeling beside my meter. I asked what he was doing and he said he was there to turn on my gas, but then he said it was already on. I asked what address he had and he said XXXX XXXX XXXX. I explained that he had the wrong house and he went to the correct one. It is not uncommon for us to received packages and mail, even pizzas, at our house that were sent to XXXX XXXXXXXX XXXX  That has been the same for over 30 years. XXXX  XXXX has failed at every level to fix this, and now they have turned me over for collection on a debt I don't owe.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-06
Company: REGIONS FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
In the last year XXXX XXXX I deposit the two check to the regions bank, but they holding my check and lock my account, when I communicate the banker, they said the check not sure is good check or bad check, let me verify the check is clear, I dont know if they not sure the check is clear can call the that bank, but they told me bank cant communicate to the bank, so I get the statement approved the check is withdrawn is paid, but they said still not sure let me waiting, waiting one years didnt release my money just hold and lock my account

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 2022-03-06
Company: EOS Holdings, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
We never had XXXX account. 

They call us, vey bad manners and ask for payment right the way. 

They start collect XXXX dls, later XXXX and now they send a bill for {$26.00} that we never owned. 
They harassed us to many times. 

now the company EOS CCA is a debt collector. 
The website is not working, don't allow to dispute the charge and they don't answer the phone also. 

Please care this manner. 

The best regards. 

XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-06
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Claim # XXXX was closed with no resolution. 
My response, XXXX was a minor when the account was initiated, so the only number you would have on file is mine and I have not received an alert nor confirmed any transactions. Id like to know what number this alert was sent to. 

In addition, in one of my conversations with customer service, they claimed my son called in, was authenticated, and requested a credit for an ATM transaction. You neglected to address that. Was the PIN changed in any of those calls? And what information was used to authenticate him? 

According to an XXXX XXXX article, XXXX XXXX XXXX, it is very possible for hackers to steal PIN codes from a retailer. If I am correct there were several transitions from retailers, XXXX and XXXX XXXX before larger withdrawals were made. 

You can not provide video recordings from your ATM, nor can you prove that my son or I made these charges. 

Furthermore, I had four accounts with Chase, # XXXX is NOT an account that I own. 

As you can see from my history, weve had a steady income. Nothing has changed that would be a motive for us to commit such heinous acts. 

I came across another article that further validates that my account could have been hacked, and possibly by a Chase banker. XXXX XXXX XXXXXXXX On XX/XX/XXXX, my husbands payroll deposit of {$2200.00} was deposited and the same day the account was restricted. The balance was then transferred to the account ending XXXX, along with the balance in XXXX account ( which I believe was {$19.00} ). Again, we were not notified. And after I called to inquire and filed the executive office complaint, then all the accounts were closed and XXXX was created. 

Chase, youre the fraud!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-02
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: Old information reappears or never goes away

Complaint:
I HAVE A COLLECTION WITH ACCOUNT XXXX XXXX THAT IS SITTING ON MY CREDIT, I CONTACTED THE ORIGINAL CREDITOR AND PAID THE ACCOUNT OFF SEVERAL YEARS AGO, I HAD TO BECAUSE IT'S A UTILITY. BUT THIS COLLECTION COMPANY KEEPS IT ON MY CREDIT REPORT SHOWING I OWE A BALANCE ON THE ACCOUNT. I CONTACT THEM AND THEY WANT ME TO PAY THE BALANCE, EVEN THOUGH I HAVE TOLD THEM THAT I PAID WITH THE ORIGINAL CREDITOR. THEY DON'T SEEM TO CARE, THEY ALSO HAVE NEVER SENT ME ANY PAPERWORK REGARDING THIS ACCOUNT AND THEY KEEP RESPONDING TO THE DISPUTES THAT I PUT THROUGH THE CREDIT REPORTING COMPANIES, AS THE ACCOUNT IS ACCURATE AND NOT MINE. THIS IS CAUSING ME TO NOT BE ABLE TO REFINANCE. THEY ARE STOPPING THE LOAN PROCESS OF XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-01
Company: Choice Recovery, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have not used this dentist office in over 2 years, and this is not my debt. I have paid for the cleaning that have done for me at the time of service, and have no minors for which I am responsible. Basically their office does not care and will not stop regardless of what I say. Once again, I had no service done there except for cleanings which were paid for at the visit. This {$900.00} to {$1200.00} charge is not mine. I am unsure of the amount since it changes every time I get something in the mail.

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 2022-09-02
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: Information belongs to someone else

Complaint:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent account in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any account listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report.This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 


Here is the list of account/items which do not belong to me or were opened without my permission. 


XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX  XXXX, CA XXXX, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-16
Company: Radius Global Solutions LLC
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:
Radius Global is a 3rd party debt collector who has infringed on my right to privacy as of XX/XX/21 they have manipulated my credit score to fall 26 points, i am requesting for them to produce a contract between me and them that gives them grounds to collect a debt from me. Due to them being a 3rd party debt collector they wont have anything in writing from me, that I know for sure. So I am requesting DEBT VALIDATION. This is a notice following the Fair Debt Collection Practices Act, 15 USC 1692g stating your response and claim is being disputed and validation is requested. This is not a request for " verification '' or proof of my mailing address, but a request for VALIDATION made following the above named Title and section. I respectfully request your offices to provide me with efficient evidence that I have any legal obligation to pay 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 2022-09-01
Company: I.C. System, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Let this be known to all, I, am that I am, the consumer in fact, natural person, original creditor, lender, executor, administrator, holder in due course for any and all derivatives thereof for the surname/given name XXXX, XXXX XXXX XXXX and I have been appointed and accept being the executor both public and private for all matters proceeding, and I hereby claim that I will d/b/a XXXX XXXX, XXXX and autograph as the agent , attorney in fact, so be it ; Whereas, I of age, of majority, give this herein notice to all, I make solemn oath to the one and only most high of creation only, whoever that may be, and I depose the following facts, so be it, and Fact, the Fair Credit Reporting Act promotes the accuracy, fairness, and privacy of information in the files of consumer reporting agencies, and ; Fact, I am sure the removal of my information from your website, company records, or any and all derivatives therefore, of, and/or with any affiliates will ensure my privacy rights wont be violated again due to my lack of consent and this herein unrebutted Affidavit of Truth being serviced to you today and therefore, standing as truth in commerce, so be it, and ; Fact, please show good faith in this matter by expediting the securing of the alleged information listed on your site in order to avoid me receiving further injury, damages, XXXX  anguish, and losses due to me being a victim of identity theft, so it be it, and ; Fact, I demand that the following inaccurate/incomplete and unauthorized information be deleted off my credit report immediately : Notice, it is a fact, I C SYSTEM failed to follow procedures under 12 CFR 1022.42 account must be removed under 15 USC 1681s-2 ( A ) ( 5 ) duty to provide notice of delinquency of accounts. 
I C SYSTEM Account Number : XXXX As a consumer by law this account must be deleted immediately. 

Notice, it is a fact, account does not provide date of first delinquency must be removed under 15 USC 1681s-2 ( A ) ( 5 ) duty to provide notice of delinquency of accounts. 
I C SYSTEM Account Number : XXXX As a consumer by law this account must be deleted immediately. 

Thank you, I swear to all information provided herein, I do so under the penalty of perjury that the information I affirm to be true, correct, accurate to my ability and knowledge, so be it ; I do not accept this offer to contract. 
I do not consent to these proceedings. 
I do not require subrogation of the bond to settle the charge.

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 2022-02-10
Company: World Acceptance Corporation
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem when making payments

Complaint:
I have tried my best to make payments as promised. I have asked this finance company to please not contact me at my place of employment and they continue to call and harass my co workers. I'm very tired of the harassment

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-06
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
Experian and XXXX has been reporting 0 income for the last month and Ive been getting denied for GUARANTEED APPROVAL CREDIT LINES. Its Hurting me And my businesses. Theyve been Fixing the problem for months!!! The dispute was not resolved.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation