BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-22
Company: Netspend Corporation
State: IA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble closing card

Complaint:
I had a brain concussion I believe it was XX/XX/2020 so we had got a stimulus around than i had forgot XXXX per money for dependent dude to covid. So now that everyone asking me bout it no clue so I called da Irs they say i got it they put on my debit card I ask them which one they told me da numbers so i called the people who I got the card thru bout the card I actually have two accounts with them so I asked bout 1 account no problem I verified everything ok but when I tried my account da irs gave me da digit on they say that account doesn't match records which I answer proper questions so idk can u guys help

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 2023-04-12
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
Dear Sir or Madam : I AM A VICTIM OF ID THEFT, THOSE LISTED ACCOUNTS AREN'T MINE. Please block those information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act and send the required notifications to all furnishers of this information. Enclosed are the following : * A copy of my Identity Theft Report and proof of my identity. * A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. I appreciate your prompt attention to this matter and await your reply. Sincerely, 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 2023-11-11
Company: Avant Holding Company, Inc.
State: GA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
On XX/XX/23 I mailed in remittance coupon payment with instructions and laws permitting. XX/XX/23 I emailed to complaint and billing error dept and resolution dept cc. To CFO, proof of payment 2days before due date. In between I spoke with over 9 employees who saw and said the coupons were endorsed correctly. Payment was not accepted. After I sent a {$25.00} debit to stay in honor. Billing Error email on XXXX email to resolution dept, notice of Securities fraud and willful non XXXX notice of violation, with questions of am I committing fraud or crime paying by remittance coupon, no response XX/XX/23 email to Avant credicards @ Avant, no response. Also mailed out full payment directly to CFO, and emailed proof of payment to Billing error department. XX/XX/23 follow up and was told to send to resolution dept. XX/XX/23 sent copy of payment and letter to CFO to resolution department. Transfered over to payment department I was advised that Avant does not accept remittance coupon nor negotiable instruments, I'm which ALL FORMS OF PAYMENT to discharge or sett off debt is and are negotiable instruments including cash, debit checks and money orders. Also while in billing error dispute attempts to collect debt or the reporting of the account should not happen until the dispute is finalized which Avant said they do not honor. Negotiable Instruments. UCC 3-603 : UCC 3-104 Tender of payment : Bill of exchange Act section 16, form and interpretation of Bill : Federal Reserve Act section 16 notes issued , 18 USC 8 obligation or other security of the United States defined. Are just some of the Acts and codes Avant has refused to adhere to which is a detriment to my mental well-being and future consumer abilities to transact honorably. This refusal is a damage to my reputation and discrimination for operating pursuant to U.S.goverment.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-06
Company: Experian Information Solutions Inc.
State: NJ
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:
I was an authorized user on a XXXX XXXX Credit card. I was removed on said credit on XX/XX/XXXX and requested that this credit card be deleted from my credit profile immediately. XXXX provided me with a letter that was sent to and I personally uploaded to all three credit bureaus dated XX/XX/XXXX, indicating that I was removed as Authorized user. Experian and XXXX stilled refused to remove account from my credit profile. I reached out to penfed again asking that another letter be sent on my behalf asking that this account be removed from credit profile immediately. XXXX sent another letter Dated XX/XX/XXXX, and further requested that this account be deleted but still Experian and XXXX still refused to remove account. I uploaded copeies of all letters to both credit bureaus on the same days XXXX sent them out, so I was assured they received the correspondence. I then called XXXX onXX/XX/XXXX and spoke with Account Manager XXXX ( ID # XXXX ) and he assured me the account was deleted as ofXX/XX/XXXX and said I should buy the XXXX   credit monitoring system to check real live updates to my credit report, which I did while on the phone with him. When I checked my credit my report on XX/XX/ the XXXX XXXX account was still showing. I called back on XX/XX/ and spoke with Account manager XXXX ( ID # XXXX ) who explained that I was giving wrong information and the account is still in dispute status. I explained there is no dispute as I have copies of all correspondence and XXXX has requested several times that this account be deleted from my credit profile. Account manager became rude and stated that I would have to wait an additional 30 days for results because XXXX sent another Request that this account be deleted. I have made every good will attempt to have this account deleted from my credit profile but I continued to be told false information as well as sold products I don't need. Experian has also refused to removed the account based off the same reason that each time a letter is submitted to delete an account they must add an additional 30 days which I know to be untrue as I verified with account managers on with both credit bureaus that all letters act only to prove or disprove your request. I am asking that this XXXX XXXX account be deleted immediately from Experian and XXXX as it effecting my credit to debt ratio, and prohibiting me from closing on my first home mortgage.

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 2023-12-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
I checked my credit report and found this accounts that I am not familiar, I contacted them to have verify this but they just ignore my request they never verify this.

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 2024-01-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
My consumer file is being shared without consent. Inaccurate information is being reported.

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 2023-04-22
Company: JPMORGAN CHASE & CO.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I had 3 disputes on my account over the last six months. I been going though hard times with my cards being lost and i was also XXXXXXXX XXXX XXXXXXXX XXXX and my things where stolen. So i cant help people used my cards n phone n stole my money. Chase wouldnt even give me a reason for why my account was closed. Which i find outrageous because i gave them my social and all my personal information I think i should know why my account was closed

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-22
Company: Resurgent Capital Services L.P.
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: Reporting company used your report improperly

Complaint:
15 U.S. Code 1681a - Definitions ; rules of construction ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Account : XXXX, XXXX, XXXX, XXXX. 

XXXX XXXX XXXX Accout XXXX is a closed account showing Inaccurated information it's not being reported with all 3 credit bureaus LVNV FUNDING LLC this is a collection account that is showing Inaccurated information it's not being reported with all 3 credit bureaus Is in vilation of 15 U.S. Code 1666B, 15 U.S. Code 1681 Section 604 A Section 2.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Old information reappears or never goes away

Complaint:
I attempted to dispute the items below via TransUnion 's site however I was presented with " Unable to Complete Your Request '' ( see attached ) screenshot. My TransUnion Credit File # XXXX shows 'Month and year that this item will be removed : XX/XX/2020 ' on the following accounts : XXXX  XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX # XXXX ; XXXX/XXXX # XXXX ; XXXX  XXXX # XXXX. Under the FCRA I have the right to dispute incomplete or inaccurate information and Consumer reporting agencies may not report outdated negative information ( see attached ). Based on these facts the trade lines listed above must be removed from my credit report. Attaching my passport information as proof of identity.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-10
Company: Experian Information Solutions Inc.
State: FL
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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I told the Experian, XXXX, and XXXX to reinvestigate these accounts : XXXX XXXX  XXXX. 
Acct # - XXXX XXXX XXXX Acct # - XXXX XXXX XXXX Acct XXXX XXXX XXXX XXXX  Acct # - XXXXXXXX XXXX XXXX XXXX Acct # - XXXX XXXX XXXX Acct # - XXXX XXXX XXXX XXXX Acct # - XXXX XXXX  Acct XXXX - XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are supposed to modify accounts that aren't reporting correctly. 

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 an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case

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 2020-09-24
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:
in XXXX I filed disputes with the Experian, XXXX  and XXXX. It was my understanding that they have to reply within 30 days of my dispute. They have not done so yet. It now going on almost 60 days which is unacceptable.

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 2023-09-06
Company: Kentucky Housing Corporation
State: KY
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process
Sub-issue: Payment process

Complaint:
Unfortunate, I'd submitted my mortgage payment for XXXX late due to an unforeseen circumstance ( gas leak repairs made on XX/XX/XXXX ) on XX/XX/XXXX to Kentucky Housing Corporation via XXXX XXXX shipping for account # XXXX and XXXX. According the the tracking # XXXX, my payment was delivered on XX/XX/XXXX and was picked up by an individual at XXXX. XXXX XXXX of XXXX on XX/XX/XXXX @ XXXX regarding payment processing and provided tracking number in addition to providing explanation of my late payment. XXXX stated that XXXX had not received the payment. According to the XXXX tracking tool, payment was delivered and picked up by XXXX on XX/XX/XXXX @ XXXX. On XX/XX/XXXX @ XXXX s/w XXXX regarding the missing mortgage payment. XXXX stated she did not see the payment. I explained to XXXX the payment was delivered on XX/XX/XXXX @ XXXX before the XXXX XX/XX/XXXX deadline. XXXX ended the call with stating she would post the payment and to check the portal within a few hours. On XX/XX/XXXX evening, I checked the portal for the missing payment in which the payment reflect of being received on XX/XX/XXXX opposed to reflecting the date of XX/XX/XXXX. On XX/XX/XXXX, I'd received a letter from XXXX stating my mortgage was in default due receiving payment after XX/XX/XXXX. When I contacted XXXX in regards, I was told there was nothing they could do. I feel it was unfair to have being sent a letter stating my mortgage is in default when the payments were sent and received before the final deadline which is stated within an email sent via XXXX on XX/XX/XXXX stating : Your mortgage payment for this month has not been received by Kentucky Housing Corporation ( XXXX ). To avoid defaulting on your mortgage, make your payment immediately. All payments must be received immediately to avoid defaulting on your Mortgage loan. The latest payment will be accepted is XX/XX/XXXX BEFORE XXXX P.M. On XX/XX/XXXX @ XXXX, I received another email stating the same statement. Copies of emails and letter can be provided. In addition to the miscommunication and handling of payments, I've been struggling since XX/XX/XXXX with paying the revised mortgage amount. Without receiving proper notice in the mail stating my mortgage payment would change from {$900.00} to {$1000.00} made it difficult for me to adjust and make my payments on time. I've called XXXX in regards in which they did not provide suitable means for assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-31
Company: FISERV INC.
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Reference number : XXXX I received a letter from TRS Recovery Services stating I owe a debt for writing a check that was returned for insufficient funds. I advised TRS that they have the wrong person and this is not my debt. They sent me a copy of the check. After reviewing the check, I am 100 % sure that they have the wrong person for the following reasons : 1 ) The checking account belongs to XXXX XXXX XXXX and my middle initial is not " XXXX  '' 2 ) The bank where the checking account is drawn is XXXX. I have never had any account at XXXX. The bank is located in XXXX, NY. 
3 ) There is a New York drivers license number written on top of the check. I have been a resident of New Jersey for over 30 years. I do not have nor would I have a driver 's license issued by New York state. Maybe TRS should send letters to XXXX XXXX XXXX  at the address printed on the check ( which looks like XXXX XXXX XXXX, NY ) instead of someone with ALMOST the same name but is not the account holder of the checking account at XXXX where the bounced check was presented. 

TRS is sending letters to the wrong person. It would appear that the XXXX XXXX responsible for the debt lives in New York, has a New York drivers license and has a checking account located in New York. I live in New Jersey, have a New Jersey driver 's license and my banking institution is in New Jersey.

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 2023-09-06
Company: JPMORGAN CHASE & CO.
State: OK
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I made a wire transfer of {$7200.00} to a wrong person, yesterday XX/XX/2023. I immediately tried to cancel it within 30 minutes but unable to find the option to do so on my online banking. By the time I could reach out to customer service, the fund was already received. I immediately started a claim request. When I called my bank to follow up, I talked to a different staff that informed me once its completed there is absolutely nothing they could do. However, when I mentioned that a different staff told me that we could file a XXXX recall, she changed her mind and transferred me to someone else who has limited knowledge. I was told that they already informed the recipient bank and there is nothing they can do. I have asked for the recipient to refund the money but they are unable to do so and started asking for personal information. From their end, the fund was received but the status said : limit exceeded which can mean it was still on hold. I know I needed to act as soon as possible but when I called my bank, they said they are unable to do anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-31
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
I HAVE SENT THE DISPUTE LETTERS ON XXXX, XXXX, XXXX, XXXX, XXXX, AND XXXX,. TO DATE I HAVE NOT RECEIVED ANY INVESTIGATIVE RESULTS REPORTS. THERE ARE SIX 30 DAY VIOLATIONS IN DIRECT VIOLATION OF THE FCRA ( FAIR CREDIT REPORTING ACT ). PLEASE DELETE AND AMEND ACCOUNTS AS REQUESTED BELOW. 

THERE IS VERY SUSPICIOUS BEHAVIOR GOING ON WITH YOUR INVESTIGATIVE PROCESS AS XXXX  AND XXXX  HAVE COME BACK WITH INVESTIGATIVE RESULTS WHEREBY THEYVE DELETED THE BELOW ACCOUNTS THAT YOU STILL SHOW ON MY CREDIT FILE. I AM SURE YOU DO NOT WANT YOUR INVESTIGATIVE PROCESS EXAMINED IN COURT IN DISCOVERY SO PLEASE DELETE AND THE AMEND THE BELOW ACCOUNTS WHERE APPLICABLE.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-27
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:
On XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX OPM data breach as well as XXXX 's XXXX data breach. I submitted all the required documents per XXXX and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXXXXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXXXXXX Balance : {$9800.00} XXXX XXXX XXXX Balance : {$870.00XXXX XXXX XXXX XXXX XXXX  Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$320.00} ( Original Creditor : ) XXXX Balance : {$300.00} XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXXXXXX XXXX XXXXXX/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 2023-05-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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:
I want this late payment remove from my account, and I never been late with this account I working so hard to pay this monthly and this is not acceptable. 
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 non-monetary relief