BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-13
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
A year ago I deposited a check to my bank account from my insurance Company since I had been in a car accident. 
The deposit was made a Saturday so the funds would be available on a Tuesday so it said, tuesday comes around my funds arent released yet so I go to the bank and they tell me they cant do anything there that I would have to call the XXXX number and get the issue resolved with them. Once I call the customer service representative says that they would have to verify the check and that it would probably take a week or so, after not hearing back I call again and the representative says that they werent able to verify if I had any other number and I said no that the number that showed in the check and the number I gave were the only numbers I had and those were working because I had just reached out to my agent, he then proceeded to call again and said it worked but the office was closed so I had to call again the next day. I call the next day and the new agent says the number is no good and I need to wait for the back office to reach back to me. I then call with my agent on the line she willingly gives them all information needed and they still say they cant verify because the number isnt in their data base. 
Then they proceed to tell me my account will be closed with no further information or any reason to justify. 
Its been a year I called back three months ago trying to get any information to what has been done since my insurance company cant recall the check since its been signed and they said the bank has the funds on hold. 
And the representative told me the same thing that I have to wait for back office to reach back to me didnt even take my number down or anything! 
Its been a year! I need answers

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-29
Company: Netspend Corporation
State: OR
Product: Credit card or prepaid card
Sub-product: Gift card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
A friend who is an XXXX  to the XXXX wanted to give me a gift card as a favor for helping her. A cashier at a local XXXX XXXX store talked her into purchasing a NETSPEND card, telling her it was a gift card. The friend paid for the purchase of the card as well as she thinks {$25.00} for the gift card balance. 

Upon receipt of this card, I attempted to use it, only to find out I must sign up for an account with NETSPEND. As our household has several bank accounts as well as traditional credit cards, I did not want to create an account with NETSPEND simply to spend the existing balance on the card. Additionally, NETSPEND had demanded my social security number. 

I have tried to resolve this issue for approximately a year with no success. I would like to use the full cash value of this card at time of purchase without being forced to give create an account, provide my social security number, or pay any fees of penalties for not having used the card for so long since it was purchased.

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 2023-01-12
Company: Experian Information Solutions Inc.
State: NY
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:
Despite multiple written requests, the erroneous items listed below continue to report on my credit report in violation of federal law. The last letter I sent to the Credit bureaus was dated XXXX XXXX ; but I never received a response from them. These items must be investigated and deleted in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2019-12-16
Company: Experian Information Solutions Inc.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I have been trying to sign up for Experian.com and am unable to complete the registration process or even reset my password. 

The online system seems to know who I am, has my login information, but when attempting to correct the information online I get the following response : " We have encountered an irrecoverable system error. '' Call us TOLL FREE at XXXX. 

When you call that number ( or any other Consumer Number offered by Experian ), the Telephone-Tree only offers to send you back to the online site at experian.com and hangs up. No offer to speak to a real " human being '' is offered and any attempt to contact Experian has similar results. 

Currently, there appears to be no way to resolve this matter. I am not confident in Experian 's ability to offer credit services for consumers at this point as they do not offer any way to talk to a human being. 

Please have a representative from Experian contact me to resolve this matter.

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 2022-12-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 am making this complaint my self I me XXXX XXXX XXXX XXXX being not a third party company. 
I am the victim of identity theft. i reported it to the ftc and to the credit bureaus and have followed all of the steps that i was supposed to take to get the accounts removed from my credit report but i still havent seen anything removed. this is an outrage and i am about to hire an attorney to seek monetary compensation.

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 2022-06-14
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:
To this day over 30 days later I have not received a response yet. I feel as if im being taken advantage of and being ignored by my disputes. Section 611 ( a ) It is plainly stated that a failure to investigate these item within 30 days gives a reason to immediately remove those items from my credit report. It has been over days so they should be deleted IMMEDIATELY. I demand that they are removed promptly. or I will file for ligations due to the stress this is causing me. My information has gotten into the hands of the wrong person. I have filed reports with FTC and would like these above referenced accounts to disappear FAST!

according to the LAW 15 USC 1292J ( a ) It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating. ( b ) Any person who violates this section shall be liable to the same extent and in the same manner as a debt collector is liable under section 1692k of this title for failure to comply with a provision of this subchapter.

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 2019-12-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
On XX/XX/2019 my checking account with Bank of America was locked out with no access, no phone call and no email from the Bank. When I called to inquire what was going on with my account they sent me to the " account closure '' department where the representative told me my account was being closed by the bank with zero explanation why. My XXXX year old step daughter recently started a job and while we were in the process of opening her a student account I had her sign her pay checks over to me in order to deposit them and gain her access to her funds. I have never had any issues with a check being signed over " pay to the order of '' with any bank before. The check was valid and signed. I have still never received any explanation from Bank of America as to why my account was closed, but I am assuming it is in connection with depositing my step daughters pay check. It has been almost 30 days and the Bank has not sent me these funds even after closing my account with no explanation. This practice is ridiculous and I want my funds returned to me ASAP.

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 2023-01-09
Company: Experian Information Solutions Inc.
State: MD
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:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate the account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX Balance : {$24000.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-01
Company: EQUIFAX, INC.
State: LA
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: Investigation took more than 30 days

Complaint:
I received a copy of my credit report and found the following items to be errors. You know, I'm tired of sending letter after letter to your company. I've wasted a lot of time trying to get this matter resolved, yet you still will not conduct a proper investigation into my account. It seems to me that your company ignores the laws put in place to protect consumers like myself

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-15
Company: OPTUM BANK, INC.
State: VA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Problem caused by your funds being low
Sub-issue: Late or other fees

Complaint:
I am filing another Consumer Protection Bureau ( CFPB ) complaint against Optum Financial regarding the unfair, discriminatory account treatment until the wrongful maintenance fee billing can be resolved. I also filed in small claims court and arbitration until we can resolve this in a fair matter. If these fees were intentional, this case will be taken to criminal court. You have 30 days to respond to this matter.

Please see the attached Optum transactions statements and email/phone/fax correspondence dating as far back as XXXX. 

The monthly maintenance fees first started in XX/XX/XXXX after I ended my employment with XXXX. Since then, I have continuously asked Optum to close my HSA account by A ) reimbursing the funds my HSA for qualified medical expenses and 2 ) transferring the HSA account to the HSA under my new employer so that I would not have to incur an unnecessary tax penalty to close my account.

As you can see from my medical records, the qualified transactions I wanted to reimburse myself for dated in XXXX, but for three years, Optum/HSA Bank have blocked my account from reimbursing myself with account issues and unauthorized transaction disputes. If the HSA account bank refuses to let me reimburse myself my own money, do you think this is fair? 

Over the phone, the customer care representative informed me that the HSA Maintenance Fee will be waived as compensation for the troubles that Optum has caused me from dragging on the unauthorized transaction disputes, the account access issues, that have prevented me. I believe this is the least that Optum can do for me since it is Optum 's fault that I could not access my account and reimburse myself in order to liquidate the HSA account. 

This amounted to over {$180.00} in maintenance fees that I should not have been charged due to Optum 's fault. Please investigate into this. If Optum is deemed to purposefully delay my account closure just to charge me more maintenance fees, this would be considered fraud and I will escalate the case to criminal court until a fair resolution can be done.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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  XXXX XXXX  Account # XXXX 15 U.S.C 1681 section 602 A. States I have rights to privacy.

15 U.S.C 1681 section 602 A Section 2 : it also states a consumer reporting agency can not furnish a 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 2023-11-15
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I sent a letter to remove items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any accounts or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX ; XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$1900.00} ; XXXX XXXX XXXX Balance Owed : {$1100.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX Balance Owed : {$6500.00} ; XXXX XXXX XXXX Owed : {$4400.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$870.00} ; XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance Owed : {$2500.00} ; XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance Owed : {$780.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX. ) Balance Owed : {$1200.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX ) Balance Owed : {$9300.00} ; XXXX XXXX XXXX Balance Owed : {$2200.00} ;

Company response to consumer: In progress
Consumer complaint received 2023-05-01
Company: Albert Corporation
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Charged fees or interest you didn't expect

Complaint:
ATTENTION! 
There were payments made by Albert XXXX and Albert Savings Web to my XXXX XXXX  account that I NEVER set up nor did I ever have an account with them. I've since closed the bank account and disputed all the charges. They performed fraud and I will be reporting this to the FTC. 

This company is performing fraudulent payments on individual 's checking accounts and needs to be STOPPED. I am reporting this company to XXXX, and ftc and others. You should not be listing this as a valid financial company. 

XXXX XXXX XXXX XXXX of Albert XXXX

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-14
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 am submitting this complaint in order to verify some accounts that are erroneously reported in my file. The account must be investigated in my file to prevent further damage to my scores, also I sent the necessary documents to FEDERAL TRADE COMMISSION or https : //www.ftc.gov, So I am here to notify/complain to you directly through this platform XXXX XXXX XXXX XXXX Balance : {$20000.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-06
Company: EQUIFAX, INC.
State: IN
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 applied for a auto loan and did not give permission or consent To ANY OF THESE PLACES!!! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-22
Company: Grant & Weber
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 information incorrect

Complaint:
This is regarding two Hard Inquiries and 1 Collection : the first hard inquiry is XXXX  XXXX XXXX XXXX in XXXX California the first time I contacted the Gen Manager there was XX/XX/2019 and the only time. I began telling him why I was calling and told him that I had never stepped foot into at their dealership and would appreciate it if they would remove the hard inquiry off my report he said first that he would have to look up my application when I came into their facility? I asked him how are you going to find my application if I've never been into your dealership? Then he proceeded to tell me he could not help me there was nothing he could do since I have never been in their dealership. I stated you have to write a letter to get this off of my credit since its fraud he said there's nothing he can do for me and I just I don't the phone I'm at my wit 's end with this dealership. 
The 2nd Hard Inquiry is XXXX XXXX. The 1st time I spoke with XXXX was back in XX/XX/2019 when I had realized that they had ran my credit without my authorization. He stated no problem they write a letter it would take up to 30 to 60 days till it falls off my credit report. In XX/XX/2019 I realized it hadn't been removed off my report and I contacted XXXX and informed him of this and he's told me that he no longer work there at XXXX XXXX that I needed to contact XXXX. I then turned around and contacted XXXX for him to inform me that they would write the letter and give it 30 to 60 days. The 5th time contacting XXXX XXXX was XX/XX/2019. This time I spoke with XXXX  and now I was informed that I need a  police report if I file a police report and brought it down to them they will write the letter. I feel as though I'm getting the runaround from both dealerships especially XXXX XXXX it's pretty frustrating. 
The third account is Grant and Weber, XXXX Hospital the amount is for {$3400.00}. ( thats the collection amt {$2100.00} ) My issue is I've never been to this Hospital I contacted XXXX Hospital in XXXX Ca.. I spoke with two different accounting individuals and neither one found me in their system which would make sense because I've never been there.

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 2023-03-31
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: NY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
XXXX XXXX XXXX of XXXX XXXX, NY in collaboration with XXXX XXXX XXXX XXXX scammed me of XXXX. On XX/XX/2016 I purchased a XXXX XXXX I was told if I could put down a large down payment they could work out a good deal for me ( in which I would make monthly payments and at the end of the payment schedule the vehicle would the paid in full ; also XXXX itself would finance the vehicle. I put down XXXX which was suppose to cover the financing and part payment towards the vehicle. I and my daughter reviewed a contract which documented the above. I was given the buyers copy and other papers pertaining to the purchase in a folder upon leaving the dealership ( approximately ) 2hrs later. I made on time payments to XXXX totaling XXXX at which time I was expecting a clear title. I was then blindsided by XXXX XXXX XXXX XXXX as I was told I owed another XXXX. They told me I signed a contract with what is called a balloon. I and my daughter told them that I did not ; and the reason I gave them XXXX was not to such payment. My compliant was ignored ; the buyer copy given to me does not reflex the contract I agreed to sign. I have also since learned from my current broker the financing company ( under the contract that I didn't agree to sign ) was allowing the dealer to up sale the vehicle by almost XXXX repossessed my vehicle. I felt I had no choice as I was already XXXX in so I ask if I could work out something ; at least I would have something for all the monies I paid and they refused. They repossess my vehicle after I had paid XXXX for a vehicle that was valued at XXXX. Oh, I also since learned the car was suppose to have a window sticker and it didn't therefore I didn't realize even under the contract I agreed to sign I was not getting a good deal. I am a XXXX XXXX XXXX of XXXX yrs. I would have never expect a company like XXXX to rip me off. However I have now I know they are a scammers. XXXX account XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation