BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-27
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 a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
On ( XX/XX/2023 ) 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 paid on time. It has been over 60 days so they should be corrected promptly. I demand these 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 2023-03-28
Company: Experian Information Solutions Inc.
State: NJ
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 recently contacted EXPERIAN, I do not agree with there findings how is it legal for them to report bankruptcy accounts on my report, WHEN THERE IS NO BANKRUPTCY. 
I have sent all proof, screen shots, driver license and social copy. 

my prior complaint : I have contacted EXPERIAN numerous times. Experian has 3 bankruptcy accounts listed on my credit report, but I don't have a bankruptcy. Credit cards and credit lines XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Discharged through Bankruptcy XXXX  XXXX. XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Discharged through Bankruptcy XXXX XXXXNever late. XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Discharged through Bankruptcy XXXX XXXX/Never late. 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 2023-03-28
Company: NAVY FEDERAL CREDIT UNION
State: NC
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Getting a line of credit

Complaint:
I am trying to access a portion of my unlimited credit and Navy Federal Credit Union will not let me do so. I applied for a credit card and two personal loan in XXXX and was denied both times. Due to this denial I had loss almost everything financially. They are also threatening to close my checking account for being in the negative. Not being able to access credit has cost me dearly. I try paying with a securities per 31 CFR 328.5 I also tried to pay with a negotiable Instrument per 745.11 and UCC section 8-102 ( a ) ( 9 ) 3-104 ( a ) 1,2,3. I also Public Law Remedy CHAP 48,48 STAT.112 I need to know all the factors underwriting used to deny my consumer applications based on the law? Navy federal credit union used a credit report to send me a denial. How can that be lawful when Navy federal credit union participate in fractional banking? I also, need to remind them that their policies are not in alignment with the law according to 15 U.S. Code Subsection 1611 for willful and knowing you are in violation as well as the securities and exchange act of 1934, and CFR 321, 328.6 and adverse action.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-28
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
CONTEXT Now coming to the main issue, this email is regarding the refund for my cancelled XXXX XXXX flight which I booked through Chase Sapphires reward program. The flight details were changed multiple times by myself and later by XXXX XXXX which is causing delays in conversation since the complete context is not clear to all the parties involved. So, I am now going to note the details down so that they act as the source of truth for future reference. 

TRIP DETAILS PASSENGER : XXXX XXXX ( XXXX ) BOOKING REFERENCE : XXXX TICKET NUMBER : XXXX XXXX PAYMENT METHOD : Chase Sapphire 's Reward Points TRAVEL DATES ( I changed the travel dates multiple times and later it was changed by XXXX XXXX so here are the details of travel dates in each iteration along with the initiator of that change. ) Iteration Number Start Date Return Date Change Initiator Ticket/Email PDF Comments XXXX XX/XX/2022 XX/XX/2022 N/A ( trip creation ) Link XXXX XX/XX/2022 XX/XX/2022 Myself Link XXXX XX/XX/2022 XX/XX/2022 Myself Link XXXX XX/XX/2022 XX/XX/2022 Air XXXX XXXX ( Don't have it since it wasn't sent ) XXXX NA ( trip cancelled ) NA XXXX  XXXX XXXX ( Don't have it since it wasn't sent ) I later learnt from one of the XXXX  XXXX 's customer support agents that not sending the cancellation email is an XXXX  XXXX policy and instead I was supposed to check my XXXX  XXXX app 's notification . 


REQUEST Given the details I provided, I feel it would be fairly easy to process my refund and so I once again, after multiple existing requests to each of the parties, request you to kindly initiate the refund either as reward points ( since it was the payment method ) or cash worth the same monetary value.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-28
Company: Experian Information Solutions Inc.
State: NC
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:
A few weeks ago I sent letters to all 3 credit bureaus regarding some items on my credit report which I know are not accurate which is a violation of the FCRA and FDCPA and you must abide by the law. Everything I have provided in my letters is true and accurate to my knowledge. Ive received emails and letters saying Im using a 3rd party which is incorrect because I am the one sending my letters out and filing this complaint with no help from a credit repair company or 3rd party. The CRAs are in violation of my rights due to not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I request these accounts to be deleted from my credit asap or I will take legal action and hire a lawyer. I want to purchase a house soon and this holding me back. 

I would like the items I disputed in my letters to be handled accordingly based on the reasons that I put in my 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 2023-03-27
Company: EQUIFAX, INC.
State: CO
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/2023 ) 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 paid on time. It has been over 60 days so they should be corrected promptly. I demand these 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 Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-27
Company: Incomm Holdings Inc.
State: CO
Product: Credit card or prepaid card
Sub-product: Gift card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
Received a prepaid {$500.00} Vanilla Gift card as a gift. Verified that the card had {$500.00} on the gift card with the company however the gift card will not work with merchants. The card is not usable when scanned! Contacted the company number provided on the back XXXX of the card. Spoke with representative and explained that the card is non usable, there was also no security code number on the back. The representative indicated there was nothing that could be done unless we had a receipt to prove that we bought the card. I indicted that the card was given as a gift and we did not have the receipt. 

Vanilla Gift Card purchased in Colorado in XX/XX/2023 The company will not examine why the card is not usable nor will they replace the card.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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/2023 ) 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 paid on time. It has been over 60 days so they should be corrected promptly. I demand these 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 2023-03-27
Company: EQUIFAX, INC.
State: FL
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:
I am a natural person, i am a living human being, i have rights under 15 USC 1681. Equifax is govern by 15 USC 1681, and they violated my rights numerous of time. I demand the accounts listed below be remove because According to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts. 

Accounts -XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
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/2023 ) 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 paid on time. It has been over 60 days so they should be corrected promptly. I demand these 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 2023-03-27
Company: RS Clark and Associates, Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Excessive fees

Complaint:
on XXXX of XXXX i rented an apartment from XXXX XXXX XXXX XXXX XXXX XXXX XXXX tx after the texas snowstorm, i could not continue living in the apartment i lived in for over 7yrs when i signed the lease for the new apartment XXXX XXXX explained to me that she only had one upstairs apartment and as soon as a downstairs came open due to my XXXX she would move me downstairs well on XXXX XXXX my job of over 8years let me go i had no job and trying to still get over XXXX XXXXXXXX i gave 2month notice to leasing office and XXXX XXXX infromed me that i should apply for texas rent relief so i did and texas rent relief paid the one year lease i had signed off no balance was left as time went on could not fine a new employer i cleaned out the apartment which was still upstairs, i had given XXXXXXXX XXXX {$300.00} money to move to the downstairs apartment  which she kept and told me that it was applied to rent after texas rent relief paid all the lease and utilities i called the leasing office and spoke to manager XXXX XXXX because a debt collection agency was calling demanding that i pay an amount of over {$600.00} to them on past due rent for XXXX XXXX XXXX i called leasing office attempt to resolve this issue XXXX XXXX told me that i gave a 60day notice and yes all of the lease was paid in full so what is the amount that XXXX XXXX XXXX sent to collection agency for? 

XXXX XXXX told me you are a skip because you moved out one month before the date of the 60day notice you gave i explained to XXXX XXXX that i had to schlude help to clean the apartment and help with moving heavy items to leave the apartment very clean and ready to rent to someone else the apart was rented the week i moved out to a new tenant so the XXXX XXXX XXXX lost no money in fact the kept my {$300.00} deposit for the downstairs apt and the lease was paid in full for the rest of the one-year lease and so were all the utilities by texas rent relief this was put on my credit report and apartments will not rent to me due to this!

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:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft.

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 2023-03-27
Company: NAVY FEDERAL CREDIT UNION
State: WA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
can you ask navy federal about this I'm trying to find the other email where they said they put a lien on my bank account and everything I tried to explain to act federal some one has access to my account. like the checks so called order with this account. like I'm still missing things. I don't know what there doing but they send me balances or withdrawals notice and they restricted everything. and these bill payments like they sent them out but I can view my account. like what's the status. now their gon na cause two bills to go negative again .I was told to wait. but worth things going on my deposit. they gave me credit my own credit deny me credit and then the matching principle of a cash deposit which I didn't recieved. like I got bills to pay so if their intent is not communicate restrict me but transaction still going threw I need my money remittances so I can to a different Bank. and make claim..

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-27
Company: Exeter Finance Corp.
State: MO
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
On XX/XX/XXXX I XXXX XXXX sent XXXX XXXX CFO of Exeter LLC an Endorsed bills of exchange and tender with instructions to apply the Principals Balance to the account # XXXX for set off. XXXX XXXX had 5 days to respond in which he did not. Again on XX/XX/XXXX I sent an Opportunity to cure for you not responding in the first 5 days addressed to XXXX XXXX, in which again he was sent Instructions ( tender ) and a copy of the endorsed bill to set off the account. Again CFO XXXX XXXX ignored the Opportunity to cure. It is against the constitution to ignore my right to credit. I sent CFO XXXX XXXX A copy of the federal reserve section 16 stating Bills of exchange is legal to use. XXXX XXXX has defaulted in his Obligations and duty to make sure my account was taken care of. It also states applications are exchanged for notes applied for, so i'd like for XXXX to apply those notes to settle the account. 

According to the Federal reserve act, This is Breach of Contract. XXXX XXXX has breached his fiduciary duties. All Im asking is for XXXX to Apply the principals balance to the account for set off. XXXX XXXX and Exeter is injuring me by ignoring my instructions to set off. Injuring me by denying me my rights. 

On XXXX XXXX Exeter received a security collateral ( The collateral security thus offered shall be notes, drafts, bills of exchange, or acceptances acquired under section 10A, 10B, 13, or 13A of this Act, or bills of exchange endorsed ) from XXXX XXXX, on XX/XX/XXXX XXXX XXXX CFO for Exeter received instructions to apply collateral to set off account, also received a bills of exchange endorsed. He also received a Power of attorney. XX/XX/XXXX he also received an Opportunity to cure. 

According to the federal reserve I can choose between Tier 1,2, or 3 in which Civil penalties apply. 

Tier 1 - is {$5000.00} a day for ignoring my first letter to apply principals balance and bills of exchanged Tier 2- is which violation, practice, or breach -- is part of a pattern of misconduct; sent an opportunity to cure and again he ignored my request. Seems like a pattern to me. 

Tier 3- knowingly -- commits any violation described in subsection ( a ) ; engages in any unsafe or unsound practice breaches any fiduciary duty and Breach of contract I will be going with tier 3 since XXXX XXXX CFO of Exeter is Knowingly violating my rights. Tier 3 is {>= $1,000,000} a day I'm owed by XXXX of Exeter until this matter is settled. 

I have sent XXXX a Notice of default. He has 5 business days from XX/XX/2023 to settle the matter. XXXX out the account and make sure it shows on my credit report. No late or missing payments. I want XXXX XXXX to respond in 5 days why he won't honor my request yet again.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-27
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
My wife mailed a check for {$43.00} ( from our local post office ) to our local XXXX. Somewhere between the post office and the XXXX XXXX, it was intercepted buy a fraudster. The fraudster then took white-out and altered the check, wrote over the white-out making it payable to an individual for {$5000.00} ; the check was then cashed ( via mobile deposit ) by USAA on XX/XX/XXXX XXXX it was on our XX/XX/XXXX statement. The alterations were amateurish with at least 16 places on the check where you can see that the original writing had been altered. 
I discovered the problem and reported it to USAA on XX/XX/XXXX. The two USAA employees on the call agreed that it had obviously been altered and then cashed by USAA ; they explained that their fraud unit would investigate, call us in the next 3 days and reimburse the funds into our checking account. 
USAA did not call us ; on XX/XX/XXXX, I saw a message on my USAA log in that stated they denied your request to adjust your account. because I notified them at 73 days rather than 60 or less.

The back of the check says For USAA mobile deposit only so, that suggest a USAA account existed to receive the funds ; that USAA account was surely created with faked identification. USAA has refused to verify there was a USAA account the funds were transferred to and whether the XXXX is still in that account or if, and when, the cash was withdrawn. USAA cashed an obviously fraudulently altered check and transferred my funds to a surely falsified USAA account and they refused to tell me where the {$5000.00} went once they transferred it out of my account. USAA refuses to take any responsibility because of the 13 days over the 60 days and I have been a customer for 39 years!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation