BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-21
Company: Netspend Corporation
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
In XXXX I received a NETSPEND card from my father in-law. The date of expiration on the case is " Good Thru XX/XX/XXXX ''. When I tried to use the card it did not work. I called the automated phone number and it indicated this card was expired. I spoke with the representative who was unable to help me, as I did not have exact date the card was purchase. Which my father-in-law doesn't have either as it was sometime ago and those records were lost. I do not believe that a pre-paid card should go to waste because the date of purchase can not be recalled. 

I've attached a screenshot of my unable to register the card and one of the card 's expiration date.

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: Experian Information Solutions Inc.
State: IL
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:
Please remove these Fraudulent accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days.

See the documents attached.

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 2022-11-08
Company: GATEWAY FIRST BANK
State: NM
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:
First of all, I want to say thank you for approving my COVID forbearance during the pandemic as it was a time of a lot of uncertainty and overall a very difficult time for me financially. 

I am writing to request your help as I recently learned I have several rolling 30 day lates on my mortgage which started back in XX/XX/XXXX then ended when my forbearance was approved in XX/XX/XXXX. 

I recently called and spoke to a representative named XXXX who helped me understand that I missed my XX/XX/XXXX payment then all of my future payments were posted for the previous month. This is unfortunate as I had no understanding of the missed payment issue and would have doubled up to get it addressed right away. 

I strongly feel most of the rolling 30 day lates are inaccurate because when I made my payments on your portal each month I was making them within the 30 day window yet I was still getting reported as 30 days late most months. It is my understanding that as long as I made the payments within the 30-day time period I wouldn't have been a full 31+ days past due which is what is required to report me as 30 days late.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-13
Company: EQUIFAX, INC.
State: GA
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:
ATTN Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 be advised that this is my SECOND WRITTEN REQUEST asking TransUnion to remove the unverified accounts listed below that remain on my credit report in violation of 15 U.S.C. 1681. TransUnion is required under the FCRA to have properly verified the accuracy of an account listed on my credit report. In the results of TransUnions first re-investigation, TransUnion stated in writing that theyve verified that these items are being reported correctly. 
Where are the documents that TransUnion used to verify these accounts? What is the name of the person who verified these accounts? What documents did they use to verify them? Please provide me with the name of that individual, their business address, and telephone number. 
What this means is that TransUnion must be willing and able to produce a document in their files that proves the accounts in dispute belong to me and the information being reported is accurate and they must be able to do this in a court of law if I file a lawsuit against them. Someone in TransUnion must authenticate the documents in their files that were used to verify the disputed accounts and to do this they must have 1st hand knowledge of the alleged accounts and all that has ever transpired for the alleged accounts, under oath and under the penalty of perjury. 
As I am sure that TransUnion is well aware, current Federal case law states that, Consumer Reporting Agencies bear grave responsibilities to ensure the accuracy of the accounts they report on, and their responsibility must consist of something more than merely parroting information received from other sources. The Courts have also ordered that a Reinvestigation that merely shifts the burden back to the consumer and the credit grantor can not fulfill the obligations imposed by 1681 ( a ) ( 4 ). 
TransUnion have ignored request to provided me with the documents that they have in their files that were used to verify the disputed accounts which means that TransUnion have NOT verified or can not verify any of these accounts and under Section 611 ( 5 ) ( A ) of the FCRA TransUnion is required to promptly DELETE all information which can not be verified.

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 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 non-monetary relief
Consumer complaint received 2018-04-16
Company: U.S. BANCORP
State: MN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On XX/XX/XXXX I was notified by the police that I had fraud commited on my checking account. I was on vacation and two people broke into my car and stole my checks from the glove compartment. The police arrested 2 individuals and found my checks in there car. USBank cashed the check the women forged at a local branch in Minnesota and was given the cash. The amount was {$870.00} and the teller obviously didn't catch the forgery. Both have been arrested on fraud and forgery at this time and I have provided the bank in question ( USBank ) over three weeks ago. As of today I was told that they have a process for handling this type of fraud, however thay have not started researching yet because " they are busy ''. The bank did tell me that they have received all documents I provided to them which included police report, fruad paperwork, copy of check, and letter from the XXXX County Courts.I was not given a time frame of when they will return my money or when they will start working on resolving my account. I have enclosed all supporting documents.

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 2023-07-05
Company: SANTANDER HOLDINGS USA, INC.
State: CA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Problem while selling or giving up the vehicle

Complaint:
I leased a XXXX XXXX XXXX with Chrysler Capital. The lease ended XX/XX/XXXX, and I returned the vehicle to XXXX XXXX XXXX, where the car was originally leased. The first problem is that the Chrysler Capital webpage still shows me as owing money, however because of Chryslers inability to maintain an updated webpage, I was forced to make an extra payment in the amount of {$540.00}. I have made multiple calls to Chrysler Capital to request a refund for this overpayment, which was approved after I had to send in a copy of my bank statements. They continue to call me daily on an auto dialer about this XXXX XXXX that was already returned, including sending me letters that my credit would be affected. Chrysler Capital has already been overpaid, and the car was returned on XX/XX/XXXX as the contract required. When customer service calls me they have a different answer every time I speak with them about where my refund is. Further, they want me to resolve a returned vehicle issue when the vehicle was already returned 30 days ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-05
Company: ENCORE CAPITAL GROUP INC.
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Midland Funding LLC - a debt collection agency have been harassing me for more than 5 years regarding an account fraudulently opened under my name and somehow connected to XXXX XXXX  in the amount of {$1900.00}. They repeatedly call odd hours in the week and have reported inaccurate data to the credit bureaus. I have requested multiple times for the original contract/documentation referencing the so called owed debt with my affixed signature and yet to receive response. I am filing this complaint because they have managed to dent my credit with inaccurate information and are possibly doing the same to vulnerable individuals. 

Midland Funding LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX Phone : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-28
Company: Talbot, Adams, & Moore, 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: Was not notified of investigation status or results

Complaint:
My account was closed with XXXX bank and it said XXXX $ i didnt owe anything at the time just never used it however they later on 1 year later sent me to collections I never got a letter or call saying I owed anything I only found out because it popped up on my credit report. The amount was XXXX and I wouldve gladly paid it however they never contacted me I called the company and asked them about it they got all my info and told me XXXX didnt give them a contact number or address. I didnt even get a letter from XXXX  bank saying I owed them. The collections agency is tams/spear XXXX  XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-21
Company: Experian Information Solutions Inc.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
It is highly unjustifiable to have late payments displayed on my account when I have consistently made timely payments. I insist that this error be corrected without delay.

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 2023-03-07
Company: Experian Information Solutions Inc.
State: CA
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: Problem getting your free annual credit report

Complaint:
Today I tried to request my credit report. Experian said sorry, we were unable to verify your identity because of one of the following reasons : You didn't answer the security question correctly, you didn't answer the questions in time, we are having technical difficulties. I called they're not having technical difficulties. I answered the questions in time. I answered the questions all correct. The questions should be specific. For example : is your current car payment between this price amount? Who did you get financing with? But when they bring up a question that is worded wrong or they ask did you work for a company name and if you answer no they don't allow you to have the credit report that seems tricky or being explicitly difficult. Sure the company XXXX XXXX had my initials, but it is not a business I worked for. The questions should have very specific answers that have to do with your identity, current address or something that is concrete. 

One of the questions was not worded properly it asked if I had worked for XXXX XXXX. No I did not. They obviously got this information wrong and assumed I did. I answered it properly. Experian in my opinion violates the law and is intentionally difficult to people trying to get their credit reports. XXXX and XXXX have a process that is easy and without questions. Experian should be dinged by the better business bureau because this is simply unfair to deny a person their credit report based on Experian 's mistakes. 
Experian verified my phone number & email. I verified my social security number. I've sent Experian certified letters to note my account. I spoke to them on the phone prior to requesting the report on XXXX 

They shouldn't put a time limit on the questions and if they do they should set it at more than 5 minutes. It is an unnecessary obstacle that they should not put their customers through

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 2023-10-19
Company: Nelnet, Inc.
State: MI
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
On or around XXXX XX/XX/XXXX I received a new billing statement from Firstmark Services for a private student loan. The bill shows a statement generation date that is six ( 6 ) days prior : XXXX XX/XX/XXXX. The statement additionally shows a bill due-date of XXXX XX/XX/XXXX for the current bill. The duration between the statement generation date and statement due-date is eighteen ( 18 ) days. This is less than the required twenty-one ( 21 ) days. The number of days between date of statement generation and receipt of bill is ten ( 10 ) days. This is less than twenty-one ( 21 ) days, and less than fourteen ( 14 ) days. The loan was transferred to Firstmark from XXXX XXXX XXXX in XXXX. XXXX XXXX response to CFPB complaint ( s ) XXXX, XXXX and XXXX, dated XXXX XX/XX/XXXX, quotes the minimum number of days required between statement generation date and statement due date as twenty ( 20 ). Therefore, the Firstmark statement with due-date XXXX XX/XX/XXXX is outside of what is permissible under law, and/or is inconsistent with the minimum number of days as specified by the lender. Therefore, the duration between statement generation date and statement due date of eighteen ( 18 ) days is a billing error and/or constitutes an unfair ( and abusive ) act or practice.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-26
Company: Experian Information Solutions 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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
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 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 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 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 2021-01-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Bank of America was reminded on XX/XX/XXXX of my knowledge of the inclusion of my accounts in income level and fund reserve account limit type related education projects since XXXX. On XX/XX/XXXX, I received an erroneous alert that a {$41.00} check was returned unpaid due to insufficient funds when such was not the case and the check was returned because the Department of Education had made it optional to continue to paying the loan. In the past, other similar activities, including but not limited to, omitting automatic withdrawal of full payments from bank accounts, for not completing forms as desired, or for the servicing agents ' mishandling of paperwork or strategic delay in processing such paperwork, when such terms were already allotted under the current agreement, i.e. such delays were created so that my account did not receive the 'better ' deal. Also such activities are completed to create embarrassment for anyone misusing my e-mail account or handling my mail. Such activities also increase in intensity when I start filing my correspondence or financial statements, including retaliation ( burglary to remove, replace or vandalize order of documentation ), aside from amount of surveillance, eg surveillance included emitting statement acknowledging that I was scratching my knee while I was sleeping to ensure that I knew I was being watched twenty four hours a day. Responding agent stated in response that account was flagged for fraud in XXXX and that she would transfer me to the fraud department. I declined such transfer because in the past such activities should have been clearly communicated in writing as soon as possible and not with such significant delay, as in this case the delay would be four months. Four months of not having notice that fraud was affecting my account is unacceptable. Other measures, such as deactivating the debit card to cause an immediate phone call or visit when written notice is not reaching me could have been implemented rather than such a slow response, or even certified restricted signature mail.

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 2022-11-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The account I'm challenging has nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX  XXXX  XXXX XXXX  XXXX Balance : {$1600.00}

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 2020-09-01
Company: EQUIFAX, INC.
State: GA
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 submitted a dispute to XXXX, Equifax, and XXXX on XX/XX/2020 to notify them of the accommodations provided by the newly passed HEROES Act in relation to my credit report. After the allotted time, there was no adjustment made to my credit report from either agency with regards to the properly submitted documentation and in honorable of the Moratorium. After contacting each bureau I was instructed to contact CFPB and file my complaint. HEROES ACT Section 110401 is a Moratorium on negative credit reporting during COVID-19.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XXXX XXXX is in violation of the FCRA for reporting negative inaccurate information on my credit report. This is NOT my account and it is reporting negatively and inaccurately multiple times on my credit report. My report is showing these accounts opened XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and all three posts on my report have the account # 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