BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-06-07
Company: Netspend Corporation
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Unexpected or other fees

Complaint:
This card was sent to me for no reason while I was waiting for my unemployment prepaid card to come in the mail. It has the brinks logo and a website and all kinds of information that looked like a real business. Come to find out it was sent to me to activate by giving them my social security number. The card had {$0.00} on it, but upon activating and checking the balance I owed them a lot of money which I was supposed to pay immediately by putting money on the card. I called the Texas  Work Force c ommission and they told me that is not their card. I called the number on the back of the card  XXXX , and the customer service told me that I needed to pay the fees I told him I wanted to deactivate the card he was trying to get me not to, but he told me he did deactivate it then hanged up on me. They have my SS # and I 'm very scared that I just got scammed.

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 2017-09-13
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
After the XXXX breach, I attempted to freeze all three credit bureau accounts. I was successful with two of the three. I had a problem with Experian. After entering all my data, I was informed that they could not process my request for a freeze. They allowed me to upload documents which might help get me approved. Thus, the process began. I scanned four valid documents, driver 's license, passport, XXXX  card, and social security card. Every time I tried to upload the scans I got a different error. First, I was told it could not be in color, next time I was told it could only be a TIFF file, next time I was told the grayscale TIFF was really a color file, the next time I was told after redoing the files that I had timed out, but only after my fifth attempt. This company is run by 1980 rejects. How can the government support such an archaic business? Right now, I am stuck with having to run copies and mail, while I wait, wait, wait for a decision. I only wanted to freeze my information. What frustration! 
Experian had never set the standard from which they were operating. It was only a guessing game plus two hours for nothing.

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 2021-07-12
Company: Lending Club Corp
State: WI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
To whom it may concern, On XX/XX/XXXX my business and personal accounts were locked. I was sent an email from XXXX XXXX  which I immediately responded to with my passport and record of funds deposited. 

Today is XX/XX/XXXX. I have contacted the bank every business day asking to have my accounts open or if there was any information I needed to supply. On XX/XX/2021 I was called by XXXX XXXX - Incident : XXXX XXXX - he told me the checks I scan look digital, I said I take a photo of them for my records and take a photo from my phone using the XXXX XXXX XXXX. He stated he understood the accounts would be reopened, date XX/XX/2021. 

I believe there has been a case of neglect my account has been closed for 28 days. 

I used the bank as my primary business & personal accounts. I use the business account to scan checks from clients which total about 10 checks per month. 

There was a question regarding how I scan my mail which I have scanned to me by a trusted person looking after my house while I am away on business.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Capital one credit services have pulled my credit several times in the past year and I have reached out to them regarding this I have never requested credit with capital one credit and there are over 10 inquiries on my XXXX  and XXXX report. Capital one acknowledged these inquires and were suppose to remove them from my credit file however they are still showing on both reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-14
Company: First Advantage LNS Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
On XX/XX/2022 and XX/XX/2022 I called the National credit audit CO. And spoke to XXXX XXXX time, she was extremely rude and disrespectful towards me. When I asked for a manager she put me on a hold for 5 minutes and came back and said " no manager is there to talk to me ''. She was mildly rude to me when I was talking about my debt collection. When I asked when will a manager be in she said " I don't know they could be here or they might be on break '' when I called right when they opened. I then had a friend call and ask for a manager to see if she would treat them different and XXXX answered and wouldn't transfer the call to anyone. I have been trying to speak to someone else and she will not transfer me.I have also asked for documentation of my collection and she will not send it, I have also asked for a settlement agreement statement and she refused to send me one in writing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-14
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

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

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
My information was leaked by XXXX. XXXX and TransUnion ( I 've contacted both for several hours each ) are refusing to give a security freeze without " protection '' money. They maintain that I have to have wait for someone to commit fraud with the XXXX breach, bring the fraud case to the local PD, and then mail them the police report to get a free security freeze. Essentially, after my credit is destroyed, they 'll give me the freeze ... We all know that it will happen, it is n't an if, but a when, and yet they refuse.

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 2017-09-12
Company: Synovus Bank
State: AZ
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 has gone from last late of XXXX on a charged off account with a XXXX balance to a last late of XXXX and now with a {$11000.00} balance on a charged off account from 2011. This is unfairly ruining my ability to use my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I have an account with Bank of America. Additionally, I have XXXX  college age children with accounts at BofA, all associated under my name. My XXXX year old daughter XXXX had a number of transactions hit her account over several weeks time. The bank did not pay these out because it would put her account into an overdraft. However, the bank did assess overdraft fees on her account, putting her into overdraft. There were a total of 23 fees  assessed for {$800.00}. To make matters worse, the bank took money from my sons account, even though he had nothing to do with my daughter. So he is now short over {$870.00} in his account. I did try to reason with 6 different people at Bank of America. They will not reverse these charges. I need your help because this is wrong and unfair!

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 monetary relief
Consumer complaint received 2019-11-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I was recently looking at my credit report and I noticed a number of accounts I did not create or authorize. I also noticed a number of accounts with false late payments and derogatory remarks. All of which need to be removed from credit report. I am writing this due to non-compliance with ( XXXX, XXXX, Transunion ). They have failed to remove information that was satisfied with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.

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 2022-06-14
Company: CAINE & WEINER COMPANY, INC.
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXXCaine & Weiner reported to XXXX, and XXXX a debt of {$700.00}. I am unaware of such debt. The creditor failed to contact me prior to placing such derogatory remarks on my credit file. It failed to follow the Fair Credit Reporting act prior to report such to the credit bureaus. Please delete the item from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-13
Company: EQUIFAX, INC.
State: NY
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 credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
stuff showing inaccurate information that is not mine violates my rights i have filed police report that i enclose .. also hippa and ID theft gov please this removed

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-30
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
My name is XXXX XXXX, a federally protected consumer, and I am making this complaint against Portfolio Recovery Associates , LLC, for committing identity theft. I have never given Portfolio Recovery Associates , LLC, any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. I am aware that the that in accordance with Article 9, the assignment of a defaulted note is illegal. Both the assignee and the assigned are both liable for violations under 15 U.S. Code 1692e ( 12 ). 
I have never received any documentation requesting validation from Portfolio Recovery Associates , LLC before they committed multiple violations under the FCRA and the FDCPA by furnishing this alleged debt to my consumer report, including but not limited to 15 U.S. Code 1692d ( 4 ) which the FTC defines as debt parking. If Portfolio Recovery Associates , LLC, can not provide me with proof such as a tracking number that they attempted to lawfully validate this alleged debt with me, the consumer, prior to furnishing it on my consumer report, this has been a fraudulently furnished account with forethought and malice as an attempt to bring harm to me and my financial reputation. 

I have not validated any alleged debt with Portfolio Recovery Associates , LLC and my failure to dispute the validity of these alleged debts shall not be construed as an admission of liability. As of XX/XX/2022, I have not received any documentary evidence, such as a trilateral contract, giving Portfolio Recovery Associates , LLC any right to collect on this alleged debt. 
I am legally refusing to pay this debt pursuant to 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until Portfolio Recovery Associates , LLC, can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and Portfolio Recovery Associates , LLC, continues its collection efforts, I will file for litigation for actual damages caused and Portfolio Recovery Associates , LLC, will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-14
Company: Bread Financial Holdings, Inc.
State: OK
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have a credit card with Forever21. It is past due, and I am now aware. I plan to make payments soon. 

Commmenity bank called me 9 times yesterday XX/XX/22. They called me 7 times today. I also got one call from a private number on both of those days and I believe it is from them as well Also : their website is highly unethical. Say you log into your online account to see when your bill is due. If you check within a few days to a week before your bill is ACTUALLY due, the website will instead tell you when the due date of the NEXT billing cycle is. If you check TOO CLOSE to your due date, IT WILL NOT TELL YOU THAT ACTUAL, SOONEST UPCOMING DUE DATE. This is what it did to me. I logged in, thought my bill was due a month out, and didn't make a payment. Next thing I know I'm getting repeated calls. HOURLY. Not only are they harassing me about it, it's a scam to begin with. I should not have to pay any late fees and my credit score should not be affected due to their trickery

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
XXXX XXXX XXXX, is listed on my Transunion report for a debt amount of XXXX. I have never received and documentation about this debt owed. Furthermore, I have no idea what the debt is for, and should be removed immediately to show my true credit identity

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 2020-06-22
Company: EQUIFAX, INC.
State: WI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I have written, and called Equifax numerous times. They do not give the option to permanently remove a credit freeze. They compromised all Americans accounts several years ago. They gave an option to get a credit freeze, now they do not offer any away except for mailing all your personal information through the mail. You can not overnight your request because the only address is a PO box . They run you around in a circle and do not allow you to sign in online. When you call they ask you security questions that are not accurate nor possible to answer. This has made it very difficult for me to sign up for XXXX and Social Security payments. This is criminal and they should be listed as a fraudulent company. All I want is my credit freeze lifted. I had not problem with XXXX or XXXX XXXX. The websites are loaded with this same complain about Equifax. Something needs to be done immediately!!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
XX/XX/XXXX I checked my account online with CapitalOne Credit card that I have had sinceXX/XX/XXXX I have had excellent credit with them and have always kept a credit " limit '' of only {$1500.00} as I DO NOT wish to get into debt but keep this card for the purposes of increasing my credit score. When I went online today I noticed that we had an " increase '' in credit limit by {$2500.00} which we DID NOT request and when I called to find out why the lady on the phone claimed that it was standard that they proactively increase consumers credit without their permission to assist with emergencies, I also did a chat with them which I can attach as a pdf file to show that they had intentionally wanted to keep me in a higher debt ratio WITHOUT my permission to increase my limit, they had threatened to remove it and lock my account for 5 YEARS. I spoke to XXXX XXXX in Virginia who was very rude and said they would lock the account and then XXXX XXXX and XXXX who all claimed that they can increase our limit without our permission. This is now effecting our credit rating as we keep our debt to income ratio low and now they have increased the credit line which does in fact effect our score.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-13
Company: BOEING EMPLOYEES CREDIT UNION
State: TX
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:
I found out inXX/XX/2021, while applying for a school program someone had taken out three student loans in my name without my knowledge. The purported lender is Boeing Employee Credit Union. I immediately contacted them and was told I do not hav3 a loan with them. I asked for a clearance letter or notification In the system that I did not have any delinquent loans so I could pursue my career. They refused to give me one. Thus is NOT my loan. I have enclosed an identity theft package.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MN
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
Bank of America refused to open an account for me and yet stated they can't open an account I don't even own them any money and XXXX refused to help yet claim that they uses XXXX XXXX  to not open account for me I need bank help me I get govement pay checks

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 2017-09-12
Company: Experian Information Solutions Inc.
State: DC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
My information was leaked by XXXX. Experian and XXXX ( I 've contacted both for several hours each ) are refusing to give a security freeze without " protection '' money. They maintain that I have to have wait for someone to commit fraud with the XXXX breach, bring the fraud case to the local PD, and then mail them the police report to get a free security freeze. Essentially, after my credit is destroyed, they 'll give me the freeze ... We all know that it will happen, it is n't an if, but a when, and yet they refuse.

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 2017-09-12
Company: EQUIFAX, 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:
With the Equifax breach I am trying to take precautions to protect my personal information from ruining my financial life. There is very little help on the XXXX or XXXX or Equifax site to guide you to a free credit report lock or fraud alerts. They want to charge you at every turn. This is disgusting. I never asked them to collect my financial data and certainly not allowed them to leak it. I feel every person needs a free way to monitor or be alerted to any breach on their personal information that affects their life and head off a disaster waiting to happen some day in the future. THIS NEEDS TO BE FREE.

Company response to consumer: Closed with explanation