BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-10-18
Company: Netspend Corporation
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting a working replacement card

Complaint:
I disputed a charge on my Netspend card, and instead of simply investigating the line item, the representative said he had cancelled the card and was mailing me out a new card within three days. I was on travel at the time and this action left me stranded overnight outside. 

Two weeks later, I went to my XXXX XXXX to retrieve the card, and I discovered that it had never been sent by Netspend. I called to inquire, and the new representative told me she would send out another card in three days. I asked to speak to a manager, hoping that a manager could order a same day or 24 hour delivery. ( Additionally, I asked if the money could be XXXX XXXX, wired into my bank account, or put onto another Netspend card I had purchased in the interim ; they refused all of these options. ) The manager I eventually spoke with cancelled the order of the second representative, telling me she was going to get the card to me faster, within two days. Instead, she failed to ship out a card. It is now two days later, weeks past the original error, and this company has kept me on hold for over an hour each time I call, causing my cell phone battery to die. Regardless, they have my phone number, my email address, and all the information they need to ship me out a new card, expedited. Additionally, Netspend has been charging {$1.00} for every transaction on the account, adding up to hundreds of fees. I would like those fees refunded in total due to this inconvenience. I had a lien put on my storage, I had to give up my car ... I have bills to pay and need access to my money!!!!

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 2023-12-12
Company: Eastern Account Systems of Connecticut, Inc.
State: MI
Product: Debt collection
Sub-product: Telecommunications debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I canceled my services with XXXX and paid the final balance of {$110.00} on XX/XX/23. That payment cleared my checking account on XX/XX/23. I received a letter dated XX/XX/23 from XXXX XXXX XXXX XXXX stating that they were attempting to collect a debt from XXXX in the amount of {$110.00}. I chatted with XXXX to verify there were no problems with my final payment. They assured me my account showed a zero balance and had been paid in full. I then called XXXX XXXX XXXX XXXX and gave them the details of the payment that I made. I then filled out the dispute form attached to the letter and mailed it along with a printed copy of the chat that I conducted with XXXX verifying that my account was paid in full. I have now received a letter from EASTERN ACCOUNT SYSTEM OF CONNECTICUT INC stating they are attempting to collect a debt for XXXX XXXX XXXX in the amount of {$110.00}.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have endorsed this debt with Bank of America and then also disputed this debt multiple times with XXXX XXXX XXXX, yet they keep sending me harassment letters containing my private information that was sold to them by BofA XXXX. I will be filing XXXX complaints. I endorsed the credit card on XX/XX/2022 with certified mail article number XXXX XXXX XXXX XXXX XXXX sent Bank of America an endorsement where I sent payment in accordance with UCC 3-601/3-111 in the form of remittance or coupon payment. I also stated that the account be closed and no longer reported to any credit agencies. I know that it was received and signed for by XXXX XXXX on XX/XX/2022 due to the certified mail receipt I received. This can be tracked with the certified article number XXXX XXXX XXXX XXXX XXXX. 

Now there is a law firm XXXX XXXX XXXX XXXX ) writing me a letter with statements attached, and I did not request any details or account history, nor would any of this information matter. There is no original contract. No verification pursuant 15 USC 1692g I do not see any signed contract by me with my signed obligation that I would pay this debt. Statements are not a validation of debt. Pursuant 1692g ( d ) you must provide the original Contract. If you can send me the trilateral contract that I signed, not the copies, but the original contract, which I know you can not, because I know I did not sign one.

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 2023-12-12
Company: NEW YORK COMMUNITY BANCORP INC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Trying to communicate with the company to fix an issue while managing or servicing your loan

Complaint:
XXXX erroneously included insurance in my escrow account in XX/XX/2023 since they said they never received my proof of insurance. I continued to make my appropriate payments and called XXXX every month to resolve the issue. In XXXX they agreed the insurance should be removed and tried to resolved the payment application but there is still {$240.00} of late fees not reversed and {$4200.00} misapplied directly to principle and not a payment so they say I am one month behind in payments. They call me every month from collections. I call collections back and explain what happened to yet another person who ultimately says they have to transfer me back to the escrow department who either never answer or tell me they have it corrected or today was in the middle of giving me a case number when the line just disconnected. I have spent many hours, taken out of my work day, to try and resolve this before year end when I get my 1098.

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 2023-04-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I FILED A COMPLAINT WITH YOUR OFFICE AND YOU SENT ME THEIR RESPONSE, THEIR RESPONSE IS IN REGARDS TO INCORRECT INFO ON MY CREDIT REPORT. PLEASE READ MY COMPLAINT AGAIN SINCE YOU IGNORED MY COMPLAINT THAT CLEARLY STATES I AM NOT DISPUTING MY CREDIT REPORT I WANT TO TEMPOARILY REMOVE THE SECURITY FREEZE ON MY CREDIT REPORT. I CAME TO YOU ASKING FOR YOUR HELP AND YOU SEND ME A RESPONSE FROM THE COMPANY ( TRANSUNION ) THAT SAYS NOTHING ABOUT GETTING PIN NUMBER OR ANYTHING ELSE I NEED TO TEMPOARILY REMOVE THE SECURITY FREEZE. IT HAS BEEN MONTHS SINCE I ASKED FOR THIS INFORMATION ONCE AGAIN I AM NOT DISPUTING MY CREDIT REPORT PLEASE READ THE COMPLAINT I MADE AND THE RESPONSE FROM THE COMPANY SAYS NOTHING ABOUT GETTING ME A PIN NUMBER OR WHATEVER IS NEEDED TO TEMPOARILY REMOVE THE SECURITY FREEZE. HERE IS MY ORIGINAL COMPLAINT PLEASE READ IT MY COMPLAINT SAYS NOTHING ABOUT DISPUTING ITEMS ON MY CREDIT REPORT. HOW MANY TIMES DO I HAVE TO FILE A COMPLAINT WITH YOUR OFFICE FOR YOU TO RESOLVE THE PROBLEM INSTEAD OF IGNORING WHAT I ASKED FOR IN MY ORIGINAL COMPLAINT, I WILL DO SOME RESEARCH TO SEE WHOM I CAN CONTACT IN REGARTD TO YOUR COMPANY IGNORING MY REQUEST TO TEMP REMOVE A SECURITY FREEZE PLEASE READ THE COMPLAINT AGAIN TO SEE THAT I SAID NOTHING ABOUT DISPUTING INFO ON THE CREDIT REPORT I NEED TO REMOVE THE SECURITY FREEZE FROM TRANSUNION ASAP. THEIR RESPONSE SAYS NOTHING ABOUT THAT PLEASE READ THE COMPLAINT AGAIN SINCE YOU ARE NOT RESPONDING CORRECTLY TO MY ORIGINAL COMPLAINT NO 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 2023-08-16
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
On XX/XX/XXXX I received a credit report from Experian and they said I had a XXXX XXXX XXXX XXXX dispute filed and with that dispute being father said that the information was accurate and correct which is not. Again it's XXXX XXXX XXXX XXXX account number XXXX account type collection responsibility individual they open XX/XX/XXXX status collection account XXXX past due as of XX/XX/XXXX status update XX/XX/XXXX balance XXXX balance update XXXX payment is receive - monthly payment XXXX original balance XXXX highest balance XXXX turns one month on record until XXXX. As far as further information it says historical info original creditor XXXX XXXX XXXX XXXX I've always had State Insurance I'm not understanding why I'm receiving this bill. I've always had medical assistance from the state which is Medicaid in XXXX I was covered with medical insurance from the state which is Medicaid if you could take the time and effort to look into the situation to please help me adjust this thank you. For as the contact information for the company is phone number XXXX address XXXX XXXX XXXX XXXXXXXX XXXX XXXX. As I filed the dispute with Experian and the response I got was verified and updated this information you disputed has been verified as accurate however information unrelated to the dispute has been updated. This is what experience has sent me in an email. 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 2020-03-28
Company: CITIBANK, N.A.
State: PR
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
Receive a cordial greeting from me. 

My name is XXXX XXXX and I would like to report to your excellent forum, a particular situation that just happened to me with Citibank Master Card ( Sears ) account with account number ending in XXXX. My last payment to avoid purchase deferred interest charges it was until XX/XX/2020. For reasons beyond my control due to the health emergency that we are going through worldwide, I had the opportunity to complete it until today, XX/XX/2020. When I got access to the account to make the payment of {$32.00} I realized that the charge of {$480.00} for deferred interests had already been applied to me. I request an intervention in this regard because all payments were made on time and I find it totally out of my rights as a consumer. I appreciate in advance the support

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 2023-09-22
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit reporting 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:
XX/XX/XXXX while checking my most recent credit report, I noticed 7 hard credit inquiries, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX JPMCB Card XX/XX/XXXX JPMCB Card XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-04
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
My information was sold and bought illegally because I was a victim of the Equifax data breach. I want these items deleted from my credit reports effective immediately. I am attaching proof that Equifax has admitted that I was in fact, a victim of this data breach, and Equifax has done nothing. Please help me delete these illegal accounts from my credit reports. 

XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-07
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:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many information items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items or information which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you. Please block/remove these files. XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXXXXXX XXXX XXXX Balance : {$560.00} XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX OF XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX If you feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the items are verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.

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 2023-02-09
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
In XX/XX/2022 Toyota Financial reported that I missed a vehicle payment that month. I always make a payment towards my vehicle. I contacted TFS and requested to have their credit department remove this error from my credit report. They refused to and has impacted my credit report. In XX/XX/2022, after reviewing my credit report I noticed that TFS had moved that same " late payment '' error from XXXX to XXXX. I know for a fact I was never late 3 months in a row ( XXXX, XXXX, XXXX ) or the vehicle would have been repossessed. The " late payment '' in XXXX was no longer showing late rather they moved it to XXXX! This is not the type of business I want to be doing with a company that is dishonest and plays around with customer 's credit. I work very hard to have my credit impacted because of the TFS ' oversight.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-26
Company: Experian Information Solutions Inc.
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Ive tried to dispute a address on my credit report because Ive never lived there and it wont be removed

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 2023-03-13
Company: BANK OF NEW YORK MELLON CORPORATION, THE
State: SC
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage

Complaint:
Hello, This is XXXX XXXX I wrote to you before about issues with XXXX XXXX XXXX. Case # XXXX. 
You passed me off to deal with XXXX. 

Let me first explain why I am writing to you. I have Multiple XXXX and have some rights through the Americans with Disabilities Act. Law firm XXXX XXXX says they are your lawyer and XXXX. 

The lawyer for XXXX XXXX kept emailing me and I informed him not to communicate with me by email because of my double vision and optic neuritis from my XXXX XXXX. I phoned the lawyer for XXXX XXXX and he refused to talk with me and hung up the phone. 
My rights to accommodate me were refused. I contacted the CEO of XXXX XXXX and have never head back. 

I also reached put to them as I wanted to visit there firm in XXXX and to organize access for me no response. 

First question do XXXX XXXX represent New York Mellon? 
Second I am not been told the truth by XXXX as they say they have never received any hardship application since XXXX. XXXX XXXX XXXX has said they sent our application to XXXX and XXXX was the one when denied us. 
XXXX XXXX XXXX 's lawyer says our account was charged off in XXXX and no additional charges were ever put on the account since that date. This is also untrue as our XX/XX/XXXX statement has a balance of {$120000.00} owned. 

I would like correspondence back from you as you owned our loan and XXXX we're just a servicer who could not be truthful. You only need to XXXX them to see all the negative remarks. 
I will be seeking advise as my rights have been violated.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-16
Company: Experian Information Solutions Inc.
State: PA
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

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 2023-08-16
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:
If you feel there is a possibility these items belong to me I will require all documentation that bears my signature. If you do not provide any records & claim the items is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. 
XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX NY 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 2023-07-10
Company: Experian Information Solutions Inc.
State: OK
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:
The below listed account was CHARGED OFF in XX/XX/2018. This account has since been updating as CO  every single month and as you know this is a VIOLATION because charge off accounts should be dormant and have no updates in payment history following the charge off marking. Doing so also illegally updates the statue of limitations. 
Please remove the following account : Name of Account - XXXX XXXX  XXXX Account XXXX XXXX XXXX XXXX XXXX : # XXXX Sincerely, Your Name

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 2023-02-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Im submitting a complaint to you today to inform you I was the victim of identity theft. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX NV XXXX XXXX XXXX Balance : XXXX XXXX XXXX XXXX XXXX  XXXX Balance : - XXXX XXXX XXXXXXXX Balance : - XXXX XXXX Balance : - XXXX XXXX XXXX Balance : {$1300.00} XXXX XXXX Balance : XXXX XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX : {$320.00} XXXX Inquired on XXXX XXXX, XXXX  XXXX Inquired on XXXX XXXX, XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX  Inquired on XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX Inquired on XX/XX/2021 XXXX XXXX XXXX Inquired on XX/XX/2021 XXXX  Inquired on XXXX XXXX, XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Inquired on 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 2023-07-10
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I currently have a VA backed mortgage with XXXX XXXX. My loan was transferred from XXXX XXXX  XXXX and since the transfer they have reported me as missing XXXX payments on my credit report. I have gone as far as calling them on a XXXX way with my insurance company ( XXXX ) and call ending with all was good with my account. My mortgage and cars are bundled under one plan with XXXX. I am a veteran that is 100 % XXXX and exempt from paying property taxes. XXXX wants to collect an escrow on my mortgage. I have forwarded letter from governor and other pertinent documents to flagstar and they are not satisfied with this. They receive my payments and becausr i refuse to pay them escrow, they report me as missing XXXX payments.

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 2022-04-12
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
in 2019 in XXXX my acct was brought out but XXXX for me to come over on the deal they had and gave them the info to pay and never was paid and now charging me

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