BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-04-19
Company: Netspend Corporation
State: MO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
Hello, My name I have been with brinks prepaid all access account for years now. Within just this year my card has been breached twice this time when they sent a text they said someone called in with a XXXX area card trying to gain access to my account. They said they could not give me any information on who it was. I have been trying to reach someone for 3 days to transfer money to a net spend card like they told me I could until I get my new card and I've got hung up on by fraud department after they said they were transferring transferred back in the que for hours and after holding dead air. At this point this is the worse experience ever and I just want some of my own XXXX money to feed my kids.theu charged me {$25.00} for a new card but it was not my fault someone was trying to access my account that was not me why do I have to pay? On top of that I want have any money to feed my kids for 7 to 10 days. I'm beyond frustrated. I work in customer service at very well known company and would be fired if it got to this point.

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 2018-06-28
Company: Waypoint Resource Group, LLC
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
my husband moved from XXXX to XXXX over 12 years ago and while living there in a rented condo on XXXX XXXX he ordered cable services from XXXX XXXX and used my social security #. I have contacted them several times they added his name to the account but would not change the social security number to his. He left XXXX and moved back to XXXX however he left a {$530.00} balance which they recently put on my credit report dropping my credit score by 58 points. I am retired and only get {$700.00} a month and I can not pay his bill. He works and has income but clearly doesn't care about my credit history as we are currently going thru a divorce.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-20
Company: Alpine Credit, Inc
State: CO
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX debt to Alpine Credit in XX/XX/XXXX when they had agreed to resubmit invoice to my insurance company. Turns out their office was closing and it seems that all unpaid bills were automatically submitted even though my was being disputed with insurance company. Debt ( {$460.00} + {$180.00} - same office visit ) was preventative but not approved. 

In XX/XX/XXXX, I completed payment in full. I have repeatedly requested Alpine Credit remove this from my credit report however they refused each time saying it took me too long to pay it therefore will remain on report. 

After repeated requests, XXXX agreed to remove this but only removed the one for {$180.00}. The {$460.00} remains on my credit report as a paid account under collections. 

Now, as I review my XXXX report, it appears that Alpine Credit have submitted this same account ( s ) on XX/XX/XXXX ( {$180.00} ) and on XX/XX/XXXX ( {$460.00} ), well after the debt was already paid in full. 

In reviewing my XXXX report today, it appears that Alpine Credit also submitted this same account ( s ) on XX/XX/XXXX ( {$180.00} ) and on XX/XX/XXXX ( {$460.00} ) after the debt was already paid in full. Here it says Collections Report Date : XX/XX/XXXX. I think that may be when they added it to my report. THIS YEAR! 

I believe this was not on my XXXX or XXXX reports a few months ago but I'm not 100 % certain now. 

How can they continue to report a paid debt? I would love your help please to have these removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-15
Company: Experian Information Solutions Inc.
State: KY
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
I have requested from Esperian,, XXXX times for my report. I get the runaround, it is in the mail, next week for sure. Sent me a letter to tell me it would be within the next week. What re-coursedo I have, if it is a legal claim, bring it on.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-30
Company: Adler Wallach & Associates, Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
On XXXX XXXX AWA CollectIons had marked my credit report with derogatory remarks that this debt was assigned with an attorney ; Ive had challenged this creditor to produce validation of the debt and foresee that the remark As ; serious past due date/ assigned to an attorney, collection agency, or creditor grantor & apos ; s internal collections department is an intimidation attempt to collect a past due debt {$450.00}. 

Ive sent out several request for Validation and Name of Attorney who this company has been brought up and theres no answer to my request. 

I recently challenged XXXX and XXXX and they they attempt to validate this account and found that AWA Collect can not produce validation and deleted it from my credit. 
As the challenges continue with XXXX that say that AWA Collect reported accurate with sending me validation letters to acknowledge these debt. But update their remarks to violate consumer right for equal opportunity. 

As I still have no knowledge of this debt I had no choice to report as fraudulent. Until such documents that Ive requested have been produced. And be able to cancel this debt with a request from 1099c

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-06
Company: ERC
State: TX
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:
Received a credit alert that XXXX XXXX XXXX  files a major Derogatory on my credit report. We have not requested service from this company, we have no record of an agreement, nor have we received any information via mail or email. This has dropped my credit score over 50 points. I am requesting that this be removed as soon as possible.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-30
Company: Experian Information Solutions Inc.
State: CT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I sent in disputes to credit bureau on my complaints of all the incorrect and false information and I never received the results to my disputes. They all received my disputes and I have the certified mail tracking number as well as the dates and time the letters were received. 


Experian tracking : XXXX XXXX XXXX XXXX XXXX. received XX/XX/20 at 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 2020-03-11
Company: WELLS FARGO & COMPANY
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
So I filed a claim with wells fargo fraud department about a unauthorized XXXX transfer that was done in my account thats I was unaware of. I waited 10 business days to be only told that I was the one who sent the money when I have no relations to the person nor have I ever met them to be sending them {$440.00} and im a victim of fraud and need my funds returned back to me. They closed my account I have been banking with them for a long time and it frustrates me that they refuse to help me.

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 2022-03-20
Company: TOYOTA MOTOR CREDIT CORPORATION
State: NJ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Confusing or misleading advertising or marketing

Complaint:
I visited a Toyota car dealership in XXXX XXXX, XXXX  called Toyota XXXX ( XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXXXXXX ) on XX/XX/2022 and saw a XXXX XXXX I've contacted them again in about XXXX days and they told me the car I saw was already sold. They told me that if I want the car I'd have to come and make a deposit so I get the car in the next shipment. 
So I've visited them again on XX/XX/2022 and paid a {$5000.00} deposit and signed couple of papers for the car. I've been told that the car would arrive XXXX XX/XX/XXXX ( " in XXXX  days max '' was the exact words by the salesman ) the latest. I've followed up with them almost everyday until XX/XX/XXXX, the same answer I get was " it should be on the truck arriving today ''.

One thing I forgot to mention was that the VIN number put on the initial contract is different than the actual VIN number of the car I was supposed to get. When I said that to the salesman he said " Oh we will have to redo some paperwork to fix it don't worry ''! So I was sold a car that didn't even exist! 
On XXXX  XX/XX/2022. I went to them and told them I don't want the car since they have been so irresponsible with the paperwork and the promised delivery time. They told me OK and they took my debit card ( the same card I paid the {$5000.00} with ) to accounting office and then gave it back to me and told me your refund should be issued in around XXXX  to XXXX business days. 
Now I'm writing this on XX/XX/2022, little over a month from the day I was told that the refund will be issued, and still I haven't received my refund. I've contacted them thousands time and I always get ditched. 
And to make things worse, I see a car loan with XXXX XXXXXXXX XXXX in my name for a car I didn't even purchase!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the Fair Credit Reporting Act regarding your refusal to delete UNVERIFIED information from my consumer file. I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the UNVERIFIED items listed below are not deleted immediately. A copy of this letter as well as a copy of the three written letters sent to you previously will also become part of a formal complaint to the Federal Trade Commission and shall be used as evidence in pending litigation provided you fail to comply with this offer of settlement

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 2022-03-20
Company: EQUIFAX, INC.
State: TX
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:
Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the Fair Credit Reporting Act regarding your refusal to delete UNVERIFIED information from my consumer file. I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the UNVERIFIED items listed below are not deleted immediately. A copy of this letter as well as a copy of the three written letters sent to you previously will also become part of a formal complaint to the Federal Trade Commission and shall be used as evidence in pending litigation provided you fail to comply with this offer of settlement

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-30
Company: Experian Information Solutions Inc.
State: PA
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 am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

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 2020-12-30
Company: U.S. BANCORP
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
I have now received TWO " relia-card '' debit cards from US BANK. One was in my name and address, both correct. The second card, received today has my correct address on it, however does NOT have my name on it. The name listed is someone who does not and has never lived at this address. 

My credit has not been jeopardized at this time, from all I can tell. HOWEVER, US BANK is taking absolutely no responsibility for this issue, nor are they even acknowledging this issue AS a fraud issue. Let alone waiting close to an hour just to talk to anyone at US BANK about the issue. 

I have shredded the card the came in my name and address. At this time I have NOT shredded this newly arrived card. What do I do to prevent fraud AND also to let US Bank know to take responsibility? Typical, the big players, the bank get away scott free and the citizen is the one who pays the price in wasted time, energy, effort and potentially money. REALLY frustrating!

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 2020-12-30
Company: Millco Management
State: RI
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received an account statement from XXXX XXXX XXXX of XXXX, XXXX dated XX/XX/XXXX indicating I owed them US {$1100.00} for ER services received on XX/XX/XXXX. I called them on XX/XX/XXXX and told them I am not the person who received the services because I moved out from XXXX County on XX/XX/XXXX and that in XXXX I was already living in Rhode Island. They asked me for my DOB and confirmed that it is different than their patient 's. 

Later on XX/XX/XXXX I received a letter from the law offices of XXXX XXXX XXXX XXXX XXXX saying I owed US {$1100.00}. to XXXX XXXX XXXX XXXX XXXX and in XX/XX/XXXX I received another letter from the same people asking me to pay {$2300.00} to the same medical facility. 

I called the law firm on XX/XX/XXXX letting them know I am not the person who received medical services. They asked for the last 4 digits of my SS # and said they were going to relate it with the one of the person who received medical services, to make sure I am not her. 
I called again on XX/XX/XXXX telling them the same, I never received services in that medical facility. This time they said they were going to remove my name from they mailing list. I think they did, because I have not received more letters from them, but it looks like XXXX XXXX XXXX XXXX XXXX sent the account to another collection agency, Amerifinancial Solution. 

An alert from my credit card made me aware that something is damaging my credit. I called and they told me what's going on. According to XXXX the debt showing are two accounts, one for US {$620.00}. and another for US {$84.00} from the same medical facility.

I don't understand if since the first letter I contacted them and apparently it was clear that I did not received services. Looks like this person lived in the same trailer park I lived 20 years ago, is using the same name I used at that time, but I am not her.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Personal information incorrect

Complaint:
The XXXX mainConsumer Reporting Agencies ; XXXX, XXXX, and TransUnion are reporting Inaccurate information on the consumer file they each hold in my name. My name, date of birth and address need to be corrected and my consumer files immediately updated to reflect my true 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 non-monetary relief
Consumer complaint received 2020-03-11
Company: TD BANK US HOLDING COMPANY
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I deposited a {$12000.00} check into TD Bank on XX/XX/20. Within 24 hrs my check was flagged a fraud. The check as been reviewed and cleared by XXXX XXXX XXXX  as cashed and by the pension fund via phone with TD Bank.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-12-17
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
I only have one correct address. I also only have one name. There are other names and addresses on my credit report as well as collections and accounts that do not belong to me. I would like these removed/deleted as they are inaccurately reporting to the Credit Bureaus and negatively affecting me. I would also like to request that an updated credit report be sent to me from all XXXX Credit Bureaus.

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 2020-12-30
Company: EQUIFAX, INC.
State: PA
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 recently came across my updated 3 bureau report and noticed that my credit scores drastically changed. I was very disappointed so I went over it and found out that I am a victim of identity theft. Knowing my rights under FCRA 605B ( 15 U.S.C. 1681c-2 ), I want you to Block the information resulting from Identity Theft. These accounts do not belong to me. I am writing to request that you block or remove the following fraudulent accounts from my credit report immediately : The information provided is not relating to any transaction by the consumer. I have enclosed a copy of my Identity Theft Report and a copy of section 605B of the Fair Credit Reporting Act, which details your responsibility to block fraudulent information on my credit report resulting from identity theft FCRA 605b ( a ). Please let me know if you need any other information from me to BLOCK OR REMOVE this information from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-30
Company: Experian Information Solutions 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:
Hello, I am writing this letter regarding unknown accounts below in the report that suddenly from nowhere appeared in my credit report! Please take a look and make investigation as I do not not now the origins of these unknown items for me. Moreover, all of them are so visible in my report profile that I simply can not afford a loan. During Pandemic its very important for me. 
I do not recognize none of them and please delete them a I am for sure a victim of Identity theft.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-29
Company: R.M. Galicia, Inc.
State: CA
Product: Debt collection
Sub-product: Medical
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint:
I received a credit report a saw that Progressive Mangement Services of XXXX XXXX, CA has reported a debt and trying to collect on it, I had advised them in the past the debt is old and and the statue of limitations in California is 4 years and can no longer collect on it, when it was reported to the credit agencies there is no account number attached. I did send them a email asking that they remove the account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Was not notified of investigation status or results

Complaint:
I sent in disputes to credit bureau on my complaints of all the incorrect and false information and I never received the results to my disputes. They all received my disputes and I have the certified mail tracking number as well as the dates and time the letters were received. 

Transunion tracking : XXXX XXXX XXXX XXXX XXXX received XX/XX/20 at 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