BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-13
Company: Netspend Corporation
State: CA
Product: Checking or savings account
Sub-product: Savings account
Issue: Problem caused by your funds being low
Sub-issue: Bounced checks or returned payments

Complaint:
I won the small claim on XX/XX/2022, against the refund issue. The defendant net spend corporation did not pay me after 30 days of notice was mailed to them. I spoke to their manager and ask who can handle the payment. The manager did not know it. I can not collect my claim amount after I won the case. I need net-spend cor contact me asap

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 2019-12-18
Company: PRESTIGE FINANCIAL SERVICES INC
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
I have made contact with Prestige Financial Services Administration MrXXXX XXXX, XXXX and XXXX and respectfully told them that l am returning the vehicle to Prestige as they can not accept payments of {$270.00} or {$280.00} @ month on Auto loan. 
I have been having issues with Prestige on auto loan and unaffordable payments and high interest rate of 17 & since l purchase vehicle on XX/XX/XXXX. 
I am respectfully returning back XXXX XXXX XXXX XXXX with XXXX miles, immediately and vehicle is park in front of the house where l live at XXXX XXXX XXXX, XXXX, California XXXX. 
Vehicle is in excellent condition and l took pictures and video for a inventory. 
I am returning vehicle to Prestige and will not operate vehicle anymore and l have contacted California DMV that l am returning vehicle to lienholder.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-19
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, 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:
I am a victim of identity theft. My personal information was compromised and inquiries were incurred in my name without my knowledge and/or approval. I have phoned my dispute to XXXX XXXX company on 2 instances in XX/XX/XXXX without resolution with all the relevant information they needed to verify my claims but these unverified inquiries are still showing on my credit report. I have also informed Experian without resolve. Please delete these erroneous inquiries from my report ASAP : XXXX XXXX pulled onXX/XX/XXXX. While an indicator of factual information, FCRA says information added via fraud may not remain on one 's 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 2023-08-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-22
Company: TRUIST FINANCIAL CORPORATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I opened an account with Suntrust for 2 of my business. I went out of town and left the account information inside a car I rented. I reported it to the bank and they closed my account. As of date I have not received the funds that was used to open either of the accounts. I called and listed the branch only to get no where. Finally to make me go away they claimed the check were sent and cashed however they went to an address different than that of the debit card which makes no sense. When I asked for a copy if the voided check they put me in an infinity loop of no resolution.

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 2022-10-18
Company: CITIZENS FINANCIAL GROUP, INC.
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
There was a XXXX scam that happened to my account. I did not authorize this, XXXX is provided by Citizens Bank. The amount was {$750.00}, the bank refuses to stand by their XXXX  and protections on the account and they refuse for whatever reason to return the stolen money to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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 have a collection account recorded on all 3 credit reports from XXXX saying I owe them {$790.00} and I have no knowledge of this account. Ive disputed it, yet it still remains.

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 2023-07-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, MT XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$6300.00} ; XXXX XXXXXXXX Balance : {$6200.00} ; XXXXXXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/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 2019-12-18
Company: Experian Information Solutions Inc.
State: MO
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 have a collection account recorded on all 3 credit reports from XXXX saying I owe them {$790.00} and I have no knowledge of this account. Ive disputed it, yet it still remains.

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 2019-12-18
Company: ERC
State: MO
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Do I have a contract with you? Please send me a certified copy of the contract the exist between XXXX XXXX & ENHANCED RECOVERY CO. Debt under penalty of perjury.

Per the FDCPA/FCRA 15USC 1692 e.g.

Breach of Contract by violating the Arbitration Clause. pursuant to Regulation Z 12 C.F.R. 15 U.S.C. 1635 Right of Rescission, I rescind my entire consumer transaction. According to the FDCPA After checking my records your company has NOT provided me with the contract we signed together. If you can not provide any agreement between us from this day on you agree to pay my fee of {$3000.00} usd, for contacting me without my written Express consent. I will also file harassment and identity theft charges. Please also send me the 1099-INT for this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14
Company: LoanCare, LLC
State: TX
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:
In approximately the XX/XX/XXXX, I went through a divorce. I reached out to LoanCare and worked out a plan with them to get me back on track. At this point I was approximately 3 months behind on my mortgage. The issue was resolved. Ever since then, they have continued to report on my credit that I have been late approximately 32 times. All between XXXX. This is preventing me from being able to sell my home and move, as well as negatively affecting my credit. I can provide statements from my bank account showing my payments have been on time with the exception of 2-3 that were approximately 5 days late. This is something I have been told several times would be resolved on their end but has not been. According to the payment history on their portal, they did not apply many of the payments I made until MONTHS later. In some cases, the dates on their end dont even make sense. Such as XX/XX/XXXX. 

Please note, when I tried to attach the statements it will not open the pop up. Probably something on my end. I would be happy to provide all of that if you send me an email.

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 2022-10-18
Company: EQUIFAX, INC.
State: WY
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 have attempted multiple times to get XXXX and the Credit Reporting agencies to update my three private student loans. When I made a payment to XXXX it was for my federal student loans, not my private loans. The private loans were from XXXX and were beyond reporting years even in 2017 when XXXX claims XXXX made my last payment and/or became delinquent. I paid my FEDERAL loans that were managed by XXXX at the time, not my private loans. 

I have contacted Equifax and XXXX multiple times, as well as my husband since he is my co-signer on the private student loans with XXXX help. I've asked for a copy of whatever proof has been given to show the money went to the private loans, but all I receive is the comment " the creditor has verified that the date is being reported correctly. Additional information has been provided from the original source regarding this item. '' I have never, sadly, made any payments on my private loans that I took out for my degree at XXXX University. I believed that all of my loans had been consolidated and only paid, minimal federal student loan payments. XXXX is incorrect in reporting that I made a payment on my private loans and the money paid should have been posted to a federal loan payment that they were managing. 

I would appreciate any assistance in correcting this information on my credit report as well as my husband 's. I'm being punished for debt that is older than 14 years. 

Thank you in advance.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting 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. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any following items on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here are the following items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX, MI XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

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 2019-12-18
Company: EOS Holdings, Inc.
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This entire debt is fraudulent, if you XXXX  this company multiple people complain that the company is not real and its fraud and its for a collection for XXXX Ive never had XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-27
Company: CITIBANK, N.A.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
After 3-4 episodes of re-opening dispute for undelivered service, Citibank doesnt want to resolve it in our favor citing different reasons : peruse credit from service provider via legal action, truth in landing act limits the amount of claim for paid in full charge, and lately the claim is too old We tried to dispute {$1600.00} charge from appliance repair company. That company not only undelivered promised service, they still keep our wine cellar in their premises. During transportation, their vehicle got into accident, damaging our wine cellar beyond repair. They sent us supporting image via phone text and cancelled delivery. At first, business owner promised a compensation at the amount of {$2800.00} ( text messages are available ) but later stopped communicating and all our attempts of further contact were unsuccessful. 
When we realized that we cant resolve this matter with service provider, we contacted our credit card company and they didnt mention that it was too late to dispute transaction until recently. The correspondence with Citi bank lasted 3 months.

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 2023-11-29
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:
I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review.

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 2022-01-14
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
When I graduated from XXXX XXXX University in XXXX, I had a private student loan balance of {$48000.00} with Sallie Mae Corporation. I attempted many times to repay my student loans, however Sallie Mae was unwilling to provide an affordable payment plan. Instead, they pushed forbearance. In the meantime, my loans were charged capitalized interest along with additional fees. In XXXX, My loan balance was an estimated amount of {$89000.00} when Navient finally agreed to place me in an interest rate reduction plan. In XXXX, I refinanced and paid off my private loans with Navient. I recently refinance with XXXX, a subsidiary of Navient unbeknownst to me. My loan number XXXX coincidently is the same account number as my original loan with Navient.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have sent letters to XXXX, XXXX and TransUnion about these false negative accounts on my credit report last XX/XX/2021. They sent my documents and letters on my behalf, and it was determined that the credit furnisher was verified. They were companies showing on my report and these report is misleading and suspicious. They removed some reports from XXXX but they were not able to remove it from XXXX and TransUnion. 
The company showing on my report are XXXX XXXX and XXXX. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the XXXX  you have caused me. My information was also impacted by the XXXX data breach and may have gotten into the hands of the wrong person. These report is misleading and suspicious. Below are the federal law violations that these companies are committing! If this doesn't get resolved I will seek litigation, and charge {$1000.00} per violation. 

However All Under penalty of perjury, I swear this account is false and misleading Under 15 U.S. Code 1666b.Timing of payments A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate. 
Unauthorized/Erroneous Account RESULT OF The XXXX Data Breach Direct Violation of The FCRA Reporting falsely Under 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction. 

Contacted Creditor/Agency asked for proof of the alleged debt specifically the alleged original application bearing my signature they have not been able to provide such proof to me.

Under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any evidence. 15 USC 1681.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-19
Company: JPMORGAN CHASE & CO.
State: IN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Chase sent me a letter on XX/XX/XXXX stating they are closing my checking and credit card accounts. I opened credit card in XX/XX/XXXX and opened checking in XX/XX/XXXX. 

The explanation is painting a relationship with me may " potentially cause reputational risk ''. 

I work in a legitimate field. I do not take illegitimate risks. I pay my bills on time. I maintain my account balances.

Company response to consumer: Closed with explanation