BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-30
Company: Netspend Corporation
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
MY BUSINESS DEPOSITS WERE SET UP IN A PERSONAL ACCOUNT OF MY HUSBAND- WITHOUT MY SIGNATURE AUTHORITY- HE PASSED AWAY- MONEY IN THE ACCOUNT WAS DEPOSITED FROM MY BUSINESS CONTRACT AND - FRAUD REMOVAL OF MONEY LEAD ME TO FREEZE THE MONEY IN THE ACCOUNT - AS i NEEDED AN ORDER FROM probate COURT 2. XXXX XXXXe XXXX XXXX AND THE SAID DEP ADMIN- TO SURRENDER THE LETTERS- BUT THEY CLOSED THE SAID ADMINISTRATION OF THE ESTATE EARLY- AND NOW ITS 4 YEARS I HAVE GIVEN THEM DEATH RECORD OF i BEING NEXT OF KIN, MY BUSINESS INFORMATIUON AS OWNER OF THE SAID DEPOSIT- AND THE CONTRACT NAMING ME AS THE PERSON WHOM MONEY CAN BE RELEASED- DUE TO THE MORTGAGE FRAUD THE SAID COURT CLOSED THIS MATTER PREMATURELY- AND NEED ACCESS TO MY MONEYT? please HELP ME EITHER GETTING LETTERS FROM THIS COURT TO ACCESS MY MONEY OR THE BANK SURRENDERING MY MONEY DUE TO THE MERITS OF THE SAID CONTRACT i SENT THEM AND THE DEATH RECORD ECT

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.

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 2023-08-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

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 2023-01-10
Company: Experian Information Solutions Inc.
State: NC
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:
The Credit bureaus stated my account was properly investigation but how is that possible if the account # is inaccurate, open date is inaccurate, high credit is inaccurate, the date last active is inaccurate, and date last reported is inaccurate and the payment history reported inaccurate. A total of 30 violations with 24 month payment history inaccurate. This is grounds for removal and my rights violated under 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 
Also the credit bureaus took longer than 30 days to investigate and took longer than 60 days to reinvestigate.

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 2022-05-30
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: Was not notified of investigation status or results

Complaint:
You are in violation under 15 U.S. Code 1681i ( 5 ) Removal of Inaccurate/ Invalidated Credit Information and 15 U.S. CODE 1681e ( b ) - Compliance procedures maximum possible accuracy.

I did an investigation on my credit report which causeddepression upon me and found unverifiable, invalidated, inaccurate and questionable items that your agency didn't make sure was reporting 100 % correct. Under 15 U.S. CODE 1681e ( b ) Accuracy of Report whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the informationconcerning the individual about whom the report relates.

I know that Under 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) in general if after, any reinvestigation under paragraphs ( 1 ) of any information disputed by a consumer an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer report agency shall ( i ) promptly delete that item of information disputed by the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation-and ( ii ) promptly notify the furnisher of that information that the information has been modified of deleted from the file of the consumer. If you are unable to provide me a copy of verifiable proof within 15 days after you the accounts and or the information. 

I demand you delete the late payments from my XXXX  XXXX account # XXXX ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-29
Company: NAVY FEDERAL CREDIT UNION
State: PA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
This complaint is regarding Navy Federal Credit Union and their excessive account fees, reordering transactions to cause more fees, then charging returned item fees while Im also getting charged returned payment fees from the creditor. In the end, causing me to pay triple the amount of debt owed. Then, after just months of overdrafting when although NFCU was reordering items, charged me thousands of dollars in fees, didnt disperse money and or send transactions as agreed per signed account agreement and elected overdraft/debit card coverage, they decided to close my account without proper notice leaving me with ZERO access to years of account history, statements, payments, refunds, my direct deposit sent to them monthly, and any action ever taken on or for that account. I asked multiple times if they could provide access and I received a response telling me maybe later on I could try to apply for a new checking account. 
In addition to this account they have been collecting on two credit cards NFCU inaccurately reported as late over the past year, accruing erroneous fees, interest, and unnecessary/excessive charges. They email me with my combined statement and I cant even access it. Also, they have called me excessively over the past year attempting to collect on all the accounts even after the credit cards had been paid on. I had to change my number due to the fact that I was receiving over 20 calls a day.

Navy Federal has also obtained my credit reports without my consent multiple times a month each month accounting for about 25 hard credit pulls on each report. That is fraudulent and illegal. 

Ive attempted to contact NFCU regarding all of the above via secure message, phone, and filling out a financial hardship form they requested from me a little over a month ago that I sent in right away. After sending it in, they called and left a message on my home number which was short and did not offer the financial, credit relief, help they advertised to me before I filled out the form. It was misleading and misrepresentation of what they were going to offer me in attempt to collect more information from me and collect more money from me. In no way did they offer help, actually, right after I filled this form out NFCU reported BOTH OF MY CARDS as derogatory 150 days past due or charge offs.

I had financial hardship ONE MONTH, during Christmas of 2018 where I was going through a divorce, attempting to push my way through school as a single parent at the age of XXXX, and had my hours cut unexpectedly from my job of EIGHT years. The one month I had some financial difficulties, they cost me so much in fees, interest, account closure, returned payments, etc., and have been impossible to resolve this with ever since.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
I am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.

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 2023-04-09
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 these accounts below have violated my Rights XXXX XXXX account # XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX account # XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish 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 non-monetary relief
Consumer complaint received 2022-10-17
Company: Bridgecrest Acceptance Corporation
State: WI
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:
XX/XX/2021 {$27000.00}. I have tried calling and writing the company since i seen this reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

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 2022-03-02
Company: JPMORGAN CHASE & CO.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
JP Morgan Chase ( Chase ) withdrew money from my mortgage escrow account to pay unsecured property taxes that were at no time my legal responsibility under California Law. The taxes in question were unpaid supplemental property taxes owed to XXXX XXXX of XXXX by the former property owner ( NOT ME ) and were not secured by the mortgaged property. Chase had no valid business reason to pay this property tax bill with my money, let alone without my knowledge or consent, and I will not be held financially liable for their careless mistake. Chase owes me a full refund in the amount of {$750.00} as complete reimbursement. Nothing in the mortgage I signed requires me to pay someone elses debts and I will not do so here. 

Below is a timeline of key events : On XX/XX/XXXX, XXXX XXXX XXXX XXXX notified me that XXXX XXXX of XXXX had moved to the unsecured roll unpaid supplemental property taxes, which XXXX XXXX had categorized as Secured erroneously. 

On XX/XX/XXXX, JP Morgan Chase ( Chase ) became the servicer of my mortgage, including escrow account. 

On XX/XX/XXXX, Chase paid " delinquent '' taxes to XXXX XXXX of XXXX using funds in my escrow account. Total amount withdrawn : {$750.00} On XX/XX/XXXX, I noticed the inappropriate escrow transactions while scheduling my mortgage payment. I contacted the property tax department and spoke with a representative named XXXX. I explained to him that I did not owe the taxes Chase paid and there was no unpaid, secured taxes due on my property. He opened a ticket and stated Chase would respond after an investigation. 

On XX/XX/XXXX, I called the Chase property tax department and spoke with a representative named XXXX XXXX. She indicated the allowed review time had not passed and there was no update. 

On XX/XX/XXXX, I called the Chase property tax department and spoke with an individual named XXXX XXXX. She indicated the ticket had not been addressed and that she would escalate it. She noted that I should follow-up later in the week. 

On XX/XX/XXXX, Chase mailed me a letter stating we found that your account is in good standing and that there is no refund available for the [ ] parcel ( XXXX ). This is an unacceptable conclusion. Chase made a clear error and is financially responsible for returning the money withdrawn from my escrow account inappropriately.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-29
Company: WELLS FARGO & COMPANY
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
XX/XX/2019 we contacted our lender regarding a loan assumption process on our existing twelve year loan the underwriter denied our request because we do not live on the property, we have never lived on the property. This was an investment for us we refinanced appx six years ago it was not required for us to live on the property at that time why is this an issue now? Our son is on the mortgage and has always lived on the property due to his recent divorce this is the reason for this assumption. We gave always paid our payments on time, why is it now a requirement after twelve years with this lender?

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 2023-05-07
Company: JPMORGAN CHASE & CO.
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I switched jobs and didn't get the email that my check paying off the credit card for XXXX wasn't cashed because of a mix up at my bank. I received a letter from Chase credit card services on XX/XX/XXXX, 1 week after being 30'days late and them hitting my credit with a late pay. The letter is dated XX/XX/XXXX that the check wasn't cashed and email came back. I called chase to explain I never received emails or phones or a letter and they said that was untrue. I called on XX/XX/XXXX immediately after finding out my credit was hit with a 30 day late. They said they had done everything they could and would NOT lower the late pay. Absolutely unforgivable as they sent the letter out late after the lates and never called to let me know the check wasn't cashed!!! 

The letters attached were received on XX/XX/XXXX ... a week after the due date!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
On ( XX/XX/ ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as aid on time. It has been over 60 days so they should be corrected promptly. I demand the pese negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2020-07-11
Company: Square Inc
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
Cash app is not allowing me to add my debit card to make transactions on my account. I couldn't send money which is what made me try to update my card.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
On ( XX/XX/ ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as aid on time. It has been over 60 days so they should be corrected promptly. I demand the pese negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-26
Company: EQUIFAX, INC.
State: TN
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:
Account Name : XXXX  Account Number : XXXX Balance : {$0.00} Dates of late : XX/XX/XXXX, XXXX, XX/XX/XXXX Account Name : XXXX  Account Number : XXXX Balance : {$220.00} Dates of late : XXXX, XXXX, XX/XX/XXXX This is a formal complaint against Equifax. I have paid for this on time during those months. The credit bureaus could not have validated and investigated every piece of information to make sure this is correct and that the payment history is reporting the right information. If the late payments are not reported 100 percent accurate, please remove them from this account and update the account as paid as agreed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-16
Company: EQUIFAX, INC.
State: NV
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:
Equifax refuse to investigate my dispute. I received a letter from Equifax stating they were unable to identity me. This is a stall tactic and unacceptable. 
By not replying in a timely manner to my initial letter they have not only violated federal law, but they have also failed to provide me with a copy of any viable evidence, bearing my signature, showing the inquiries were authorized by me. 
As well as my biographical ( personal ) information being reported inaccurately. 
Equifax sent me a letter dated XX/XX/XXXXXXXX XXXX  XX/XX/XXXX requesting proof of address. On XX/XX/XXXX I mailed letters without proof of address by mistake. On XX/XX/XXXX I mailed revised letters with proof of address, copy of ID, copy of utility bill. 
I called Equifax spoke with representative XXXX ( XXXX XXXX XXXX  XXXX ) he confirmed they receive proof of my identity. XXXX stated they have proof of address, copy of ID, copy of XXXX XXXXXXXX bill. Although I still need to provide proof of address. I informed XXXX I have already provided proof of address. According to FCRA 1022.123 Appropriate proof of Identity ( A ) ( 1 ) ( 2 ) ( B ) Examples of information that might constitute reasonable requirements of proof of identity. In which has been provided. XXXX stated after the investigation they will send me a corrected copy of my consumer report. Equifax reported to CFPB I didnt submit proof of identity and/or address, copy of ID and copy of utility bill. I corrected the error I made asap, and Equifax representatives confirm receipt of documents. It has now been over 30days with no response to my dispute letter and no access to my consumer report. 
15 U.S. Code 1681c1 - Identity theft prevention ; fraud alerts and active-duty alerts 2 ) Access to free reports -In any case in which a consumer reporting agency includes a fraud alert in the file of a consumer pursuant to this subsection, the consumer reporting agency shall Equifax is required to allow me access to my consumer reports as per Congress Law. 
On XXXX XXXX shows Equifax has NOT made any changes to my biographical ( personal ) information and/or address as well as inquires.

Company response to consumer: Closed with non-monetary relief