BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-14
Company: Comerica
State: OK
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Unexpected or other fees

Complaint:
On XX/XX/2022 I discovered that my Direct Express Debit card was stolen. My XXXX XXXX XXXX were drained from this account fraudulently. I contacted Direct Express immediately and was given a claim number. I also contacted local authorities and filed a police report. 
Direct Express sent a new debit card but has not sent the dispute paperwork within the time frame promised. 
I have sent a letter, called multiple times and emailed Direct Express with all of the required information an

d Direct Express has yet to refund my money. Direct Express is in violation of regulation E 12 CFR part 1005 by fa
iling to refund the money stolen from my account despite following their Terms And Conditions for use of the access device issued to me by them. 
Direct Expresss customer service and fraud department has been impossible to reach leaving me at a loss not to mention destitute. 
As I stated in an sworn affidavit of facts to Direct Express, I, XXXX XXXX XXXX swear under penalty of perjury that the above statement is true and factual. 
I respectfully ask that the CFPB investigate this matter as well as why two other closed accounts that are associated with me still show up on the mobile app and on their website. There should only be one debit card open ending in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-14
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
The following inquiry was unknown to me. The furnisher was unauthorized to pull my credit reports. Thus, there must be an error with Equifax 's investigation. I have already addressed this issue to Equifax but I have received nothing until this date. I am already doubting the accuracy of their investigation. Please see all inquiries that should be removed :

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-14
Company: HYUNDAI CAPITAL AMERICA
State: FL
Product: Vehicle loan or lease
Sub-product: Lease
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:
Kia Motors Finance XXXX XXXX XXXX XXXX TX XXXX Kia Motors Finance XXXX XXXX XXXX XXXX TX XXXX XXXX : XXXX XXXX Dispute of Account Account Number : XXXX Our File : XXXX To Whom It May Concern : This letter is written on behalf of XXXX XXXX who leased a XXXX XXXX XXXX from the XXXX  XXXX of XXXX dealership on XX/XX/XXXX. He is in receipt of your letter dated XX/XX/XXXX wherein your company claims a balance of {$400.00} is owed. 
XXXX XXXX asserts that when he returned the leased vehicle to your company he did it in a timely manner. Moreover, he maintains he returned both keys associated with the vehicle. Enclosed please find proof that demonstrates not only the return of the keys but acknowledge of its return by XXXX itself. In light of the aforementioned, XXXX XXXX hereby demands your company cease and desist from any further collection efforts against him and notate that his account has a zero balance. Please be advised that if we do not receive a satisfactory written response to this letter within ten ( 10 ) days of your receipt of this letter, we will advise XXXX XXXX XXXX as to the legal avenues available to further protect his legal rights. 
Sincerely,

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 2020-02-14
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have contacted the creditor/company many times but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-14
Company: Resurgent Capital Services L.P.
State: MA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have contacted the creditor/company many times but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-21
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NJ
Product: Debt collection
Sub-product: Mortgage debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX XXXX XXXX  ( XXXX ) is in violation of Forced Placed Insurance, lying and deceit. On XX/XX/2018, XXXX stated, " Lenders Placed Insurance In your inquiry, you question XXXX adding Lender Placed Insurance ( LPI ) to the account. XXXX does not show that any LPI has been added to the account. '' However, in correspondence ( certified mail ) from XXXX dated XX/XX/2018 and received XX/XX/2018, XXXX states, " This is your second and final notice that our records show that your hazard insurance expired and we do not have evidence that you have obtained new coverage. Because hazard insurance is required on your property, we plan to buy insurance for your property ... ... ... ... ... .. The insurance we buy : Will cost an estimated {$1100.00} annually, which may be significantly more expensive than insurance you can buy yourself. '' On numerous occasions I have explained to XXXX they have no legal security interest in the property they now claim to be placing forced placed insurance on. The legal description in all notes and mortgages do not coincide with the property they are now fraudulently trying to place insurance on. XXXX continues to conduct business in a fraudulent manner and continues to go unchecked by appropriate authorities. I demand appropriate action by the CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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 sent letters to the TransUnion Credit Bureau. The date of the last letter was on XX/XX/XXXX And now we are in the month of XX/XX/XXXX and still nothing has been heard from them. That means TransUnion has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX Balance : {$10000.00} XXXX  XXXX XXXX Balance : {$0.00} TXXXX XXXX  Date of inquiry XX/XX/XXXX XXXX XXXXS Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX TXXXX XXXX  Date of inquiry XX/XX/XXXX XXXX  Date of inquiry XX/XX/XXXX TXXXX XXXX Date of inquiry XX/XX/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 2019-07-29
Company: PMAB,LLC
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Please note on XX/XX/2019 PMAB LLC received my first request to validate and verify accounts which they have reflected on my credit. They responded on XX/XX/2019 with just an itemization which was not what I requested. I sent a second notice on XX/XX/2019 requesting validation/ original contract with my signature. The same response as the first request was sent dating XX/XX/2019. Again this is all itemization with no validation that this debt belong to me as there are no signed or original documents. 

I am requesting since PMAB LLC has not been able to verify/validate any of the debts they are reporting to me for almost 60 days that they Stop reporting immediately to the credit bureaus as this is having a negative impact on my score. 

I am also copying the credit bureaus on this and requesting they immediately remove these accounts from my report as it is clear there are no validation documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-03
Company: MOHELA
State: MD
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:
MOHELA is in violation of violation 15usc1681, 15usc1681b and 15usc6802 This is the final attempt to resolve this matter before a civil lawsuit

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-14
Company: Experian Information Solutions Inc.
State: SC
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:
To Whom It May Concern : I recently received a copy of my Experian XXXX or XXXX XXXX credit report, and I noticed some late payments posted on my consumer report. 

List accounts XXXX XXXX  XXXX Your company is in clear violation of the law, Under 15 USC 1681b -permissible purpose of consumer reports. THE LAW CLEARLY STATES : ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates Did I give you written instructions to furnish this account on my consumer report?

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( 1 ) Exclusions from a consumer report clearly states : ( a ) EXCLUSIONS- Expect as provided in paragraph ( 3 ) the term consumer report does not include- ( A ) Subject to section 1681s-3 of this title any- ( 1 ) report containing information solely as to transactions or experiences between the consumer and the person making the report. 

Delete above late payments from my consumer report, this agency is in violation of 15 USC 1681. 

Failure to respond satisfactory with deletion of the above referenced account, and send out a free copy of my report after changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1.Defamation of Character ( per se ) 2.Negligent Enablement of Identity Fraud 3.Fair Debt Collection Practices Act 15 USC 1692 violations 4.Fair Credit Reporting Act 15 USC 1681 violations for willful noncompliance -616 liability for willful noncompliance 15 U.S.C 1681n Best Regards,

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 2022-02-14
Company: Upgrade, Inc.
State: NJ
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:
Someone has gotten a hold of my personal information and made three inquiries to credit card companies without my approval. On XX/XX/XXXX an inquiry was made and an account established with XXXX upgrade. I have reached out to this lender and let them know. On XX/XX/XXXX two inquiries were made one with XXXX XXXX  and one with the XXXX XXXX XXXX XXXX XXXX  I did not authorize any of these inquiries or accounts and have already filed with XXXX XXXX my file number is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-17
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: Credit inquiries on your report that you don't recognize

Complaint:
I XXXX XXXX XXXX XXXX XXXX ( XXXX ), am making this complaint on my free will and accord. No third party is involved in making this record of complaint. 

I XXXX : XXXX, ( XXXX  ), consumer, natural person and original creditor to an open end credit plan for XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) was harmed by the damage of my credit worthiness with the reporting of inaccurate information in my consumer report by Equifax. Communication was made in the form of a verbal dispute followed by a confirmation in writing of the said dispute of information, confirmation id # ( XXXX ). I am aware as a consumer Equifax is civilly liable to me for the damages caused by the inaccurate information placed on the report pursuant to 15 USC 1681n up to { {$14000.00} }, and I expect them to compensate me for said damages as they have personally given confirmation of the damages via the ID number for the removal of inaccurate information. Id # ( XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-14
Company: U.S. BANCORP
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
My mother passed away recently ( XX/XX/XXXX ). Upon going through her mail, I found several credit card statements to my name for credit card accounts I never opened. I have been a victim of identity theft by a family member : my mother. As hard and sad as this is to say, my mother stole my identity and racked up a large amount of debt in my name. 
On XX/XX/XXXX, I went to the XXXX Police Department and filed the corresponding police report. My mother had been a XXXX resident since XXXX. I don't even live in XXXX. I live in XXXX. I only flew up for my mother 's funeral. 
The card statements I found are the following : XXXX. US Bank XXXX XXXX, dated XX/XX/XXXX, balance due : {$13000.00} XXXX. XXXX XXXX XXXX, dated XXXX/XXXX, balance due : XXXX XXXX. XXXX XXXX XXXX XXXX, dated XX/XX/XXXX, balance due : {$4800.00} XXXX. XXXX XXXX, dated XX/XX/XXXX, balance due : {$2600.00}

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 2017-08-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I recently received a copy of my trans union credit report and there was a number of inquiries that I did not recognize or authorize. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Mi XXXX XX/XX/17 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, De XXXX XX/XX/2017 XXXX XXXX XXXX XXXX XXXX XXXX, Mn XXXX XX/XX/2017 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Mi XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Mi XXXX XX/XX/17 XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, Tx XXXX XX/XX/17

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 2022-07-14
Company: Experian Information Solutions 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:
Upon analyzing my most recent credit reports, I discovered that my personal credit file had been given inaccurate information. Experian, XXXX, and XXXX have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i and 605b, and have continued to report unverified information without providing the documentation needed by law. The 3 Credit Bureaus have failed to properly identify and present any verifiable proof within the required time frame permitted by law. The information below is false, and I never gave permission for my credit to be accessed. They have neither removed these inquiries from my credit report or given me a written authorization. I'd like the following inquiries to be stopped : XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX NA., XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX, XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-14
Company: DISCOVER BANK
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
Discover Card Company... secured credit card deposit REFUND. I applied for a secured credit card by phone ( around the end of XX/XX/XXXX or beginning of XXXX, XXXX ) with several follow-up calls, and also sent info by email. The process was complicated and frustrating ; their agents each told me different answers to questions. I let them debit my checking account for {$300.00} deposit. They acknowledge the deposit. 

After I submitted the deposit, I was told to call to activate the card. I called. Only now ( after receiving my {$300.00} deposit ), did they say that they needed three months bank statements. I had moved from XXXX XXXX  to XXXX, XXXX, recently closed my checking account in XXXX, opened a new one in XXXX. Waiting for 3 months for new bank statements was longer than the amount of time they were allowing to submit the information. After so many phone calls, several requests from them for me to submit additional information, being put on many long holds, and being transferred from agent to agent, I decided during the activation process to cancel the card. It was " NEVER ACTIVATED '' and COULD NOT BE USED. I tore it up and disposed of it. They acknowledge that no charges were ever incurred by the card. 

The agent cancelled the card and said it would take 2 monthly payment cycles plus 10 days to send me a refund check that would arrived on or about XX/XX/XXXX. Later, I spoke to an agent who told me that since the card was not activated, I could receive an expedited refund in 13 days. 13 days passed. No refund came to my account or by mail. I called and was told their records showed no refund was issued, and that they would re-submit the refund request ; it would take another 13 days. 13 days passed, and no refund. I called and was told the records showed a refund was authorized ; but no action had been taken, that my conversations with approximately 12 different agents did not show in their records, and it would take another 13 days! No refund came. 

With various 'stories ', they have continually, intentionally delayed the refund ; and I am concerned it will never be refunded! After each conversation with them, my XXXX XXXX is near or over the XXXX XXXX  and I have XXXX!!! I can not deal directly with them any more. I suppose some people just give up. I believe they cheat people out of refunds and/or delay refunds to increase their " interest income ''. Can you help me to receive a prompt refund? Discover Card has my current address.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-14
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
On XX/XX/2022 I did a transaction online which is {$1400.00} to deposit on my cousin bank account which is XXXX XXXX XXXXXXXX XXXX ( XXXX ). The money never get to my bank account. The transaction reference # XXXX. I included a copy of the transaction. I called them and file a claim they ignore it. They keep telling me it is under investigation. I contacted my bank which is wells to file a dispute they told me MoneyGram denied the dispute. When I called MoneyGram back they told me they are already issued a refund to the bank. When I called the bank they said no refund issue. I need to recover my money. I include a bank statements showing money never deposit on the receiver bank account.Please, I am looking forward to hearing from you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-14
Company: FC HoldCo LLC
State: GA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am a victim of identity theft. I was harassed with calls from XXXX until XXXX by Flagship Credit Acceptance. I filed a identity theft report, police report, and a FTC Report and sent them in along with my license, social security card, and my utility bill. The company Flagship Credit Acceptance stopped calling and they removed the debt on XX/XX/XXXX. They reinserted the debt as a new account on XX/XX/XXXX. No reinsertion letter. No validation of debt. The debt is now reporting as a charge off and they no longer have the debt. Totally ruined my credit 15 USC 1681b-Permissible purposes of consumer reports 15 U.S. Code 1681i - Procedure in case of disputed accuracy

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