BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-08-19
Company: Netspend Corporation
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Unexpected or other fees

Complaint:
The companys Name : netSpend DebitCard : XXXX XXXX managed by NetSpend In the middle of XX/XX/XXXX I phoned NetSpend ( MileagePlus XXXX about their direct deposit policy ) only to find out that my account was closed in XX/XX/XXXX, because they were no longer in partnership with XXXX XXXX. 

I was told when they closed the card my they still had {$73.00} of my very own money in the account. Thus they issued a check for that amount and sent it to my address. 


I never received that check, I called NetSpend couple more times about the check, wait time was 30-40 minutes, and after I explained why I was calling, I was put on hold forever, no one came back to pick up the phone. I gave up calling ... 

XX/XX/XXXX I receive a check in the mail from NetSpend for XXXX Made a mobile deposit to my checking .. 

XX/XX/XXXX My bank sent me a digital copy of the check from stating the date was stale I took a second look at the hard copy of the check and In fact the Check was issued XX/XX/XXXX, right below pay to the order of said Not Valid After 90 Day @ I phoned NetSpend explained them what happened, they told me that the check is still good, gave names of 5 different banks near by me where I can just go to and will have no problem cashing the check as long as I have a valid state or a federal ID. I gave two of those banks they gave me a try, of course like a criminal by the the tellers at both banks you are not banking with us? We dont just cash random checks, no! Who told you that we do that? At the end of the day both banks wouldnt cash the check and I was done with people with taking their anger on me XX/XX/XXXX I phoned NetSpend back explained to them what happened at those banks. They took all the information again put me on hold and never came back ... This time I called back, again I explained what is happening with the check etc .. and just asked them to issue a new check I was put on hold for 15 minutes .. when the person came back she told me that she cant issue me a new check and that they will simply steal my money! Thats my money not credit not a loan, and they just told me THEY WILL NOT GIVE ME BACK MY MONEY! Why? become the check was issued to me over 6 months ago so they cant issue another check? 

I dont know why this check got here so late, that is not my fault, what I do know is that I am not about to get robbed by a bank ... they have billons and they are stealing from the little people? I am sure I am not alone .. how many {$70.00} checks were never cashed? How much money is netSpend making by stealing from closed accounts? 

I am curious, I really am curious! I am sure I am not an isolated 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 2021-07-08
Company: EQUIFAX, INC.
State: OH
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 aware after disputing things with the credit bureaus that the information was / is on my credit reports and should be removed especially when the New Credit Act of XXXX states in section 401 that these should be removed when no contract exists. Please assist! Theres also student loan data and inquiries that need corrected! 

XXXX - {$630.00}, no contract XXXX - {$240.00}, no contract 10 Missed student loan data to be reversed per new law DeptedXXXX 10 Missed Students loan data to be reversed Inquiries To Be REMOVED I didnt Authorized by way of contract XXXX XXXX - no contract Inquiry from XX/XX/XXXX XXXX - no contract Inquiry from XX/XX/XXXX - no contract XXXX - no contract Inquiry from XXXX XXXX XXXX XXXX XXXX - no contract Inquiry from XX/XX/XXXX XXXX XXXX - no contract Inquiry from XX/XX/XXXX XXXX - no contract Inquiry from XX/XX/XXXX XXXX - no contract Inquiry from XX/XX/XXXX XXXX XXXX - no contract Inquiry from XX/XX/XXXX XXXX - no contract Inquiry from XX/XX/XXXX XXXX XXXX I - no contract Inquiry from XX/XX/XXXX XXXX - no contract Inquiry from XX/XX/XXXX XXXX XXXX - no contract Inquiry from XX/XX/XXXX XXXX XXXX  XXXX - no contract Inquiry from XX/XX/XXXX XXXX XXXX - no contract Inquiry from XX/XX/XXXX XXXX XXXX - no contract Inquiry from XX/XX/XXXX Accounts : XXXX XXXX XXXX XXXX late payments - Account number - XXXX Negative data to be reversed *XXXX XXXX  XXXX data to be reversed Account XXXX Student Loans : DEPT OF EDUCATION/XXXX {$40000.00} Negative data to be reversed DEPT OF EDUCATION/XXXX {$60000.00} Balance updated XX/XX/XXXX XXXX late payments - negative data to be reversed Collections : {$630.00} - no contract XXXX XXXX XXXX - no contract {$240.00} Dept Of Ed/XXXX - student loan data to be reversed 10 Missed Dept Of Ed/XXXX  - student loan data to be reversed 10 Missed Collections XXXX - {$630.00} - no contract Inquiries To Be REMOVED I didnt sign agreement XXXX XXXX - no contract Inquiry from XX/XX/XXXX XXXX - no contract Inquiry from XX/XX/XXXX XXXX XXXX - no contract Inquiry from XX/XX/XXXX XXXX - no contract Inquiry from XX/XX/XXXX XXXX XXXX XXXX , - no contract Inquiry from XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-17
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
Chase Bank did not fund my car and insurance payments without my knowledge. It caused the lender to report us to the credit bureau for late payment. This resulted to a drop on our Credit Score by more than 50 points. Chase claimed to have mailed a letter stating that I had until XX/XX/XXXX to provide information or they would freeze my account. 

1. They sent the mail to a wrong address.

2. The claimed letter stated that I would have until XX/XX/XXXX to go to a Chase Bank office. 
3. I was on the call several times and at Chase Bank office on several occasions to complain about my account prior to XX/XX/XXXX and was never told that they will not fund my checks even if I had more than enough deposit. 
4. The payments that were funded were on the dates before the deadline of XX/XX/XXXX. 
5. On chase explanation letter dated XX/XX/XXXX, it stated that they need some information that was already given several times starting from the opening of the account. If Chase lost the records, they should not penalize the depositor from their carelessness. 

I demand that Chase Bank send a letter to XXXX XXXX stating that it was their fault on failure to fund my checks as requested by XXXX XXXX in order to correct the Credit Bureau reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-04
Company: Experian Information Solutions Inc.
State: SC
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:
I requested for items to be investigated via mail and they have refused to perform the investigation. 
Please delete the items on the attached letter from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
So I recently pull my credit and i noticed a few accounts showing onmmy credit report that i do not have any knowlege about. Before reaching out to XXXX, Transunion and XXXX, I call each company to report what happen. I am a victim of Identity theft. I have never done any business with these companies. I then called the credit bureaus and they said i need an FTC report. I have attached the report along with my Drivers lincense and Social security card.

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 2020-10-09
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
PHH XXXX XXXX XXXX XXXX XXXX, XXXX XXXX CA XXXX XXXX XXXX PHH has had a short sale package since XX/XX/XXXX. The file has been escalated yet PHH is refusing to give an update on this file. Today, XX/XX/XXXX we spoke with a Manager XXXX Agent ID XXXX XXXX. This Manager outright refused to get me in contact with anyone who can assist on this file in a timely manner. PHH has had this file since XX/XX/XXXX with no updates. The only appointment available for SPOC is on XX/XX/XXXX. by that point they will have had the file for over 30 days. There is no acknowledgement of what docs they have, what they are missing, or that anything is happening on file. The Manager claims their SPOCS handle " many many files ''. PHH is clearly understaffed for the workload that they have, as they take weeks to even give a followup call. ****************THIS IS A VIOLATION OF THEIR SERVICING OBLIGATIONS AND IS THE TREND WE ARE SEEING ON ALL OUR FILES WITH PHH XXXX THIS IS NOT ACCEPTABLE. *************** I want a callback in no less than 48 hours from a manager with an update on the short sale.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-31
Company: CITIBANK, N.A.
State: CT
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 went to check my credit and it said that CBNA did a hard inquiry on my credit.

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 2019-06-26
Company: Experian Information Solutions Inc.
State: TN
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:
XXXX  ; Experian and XXXX  are failing to report correctly the positive items on my credit report. ( Please see the attached spreadsheet of accounts and account numbers of tradeline items which need to report all months, not just some months, of payment history. ) I have also attached a copy of my credit report for reference. By failing to report positive credit history is hurting my credit score. Please update these accounts to report accurate information.

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 2021-02-15
Company: JPMORGAN CHASE & CO.
State: NY
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:
My flight was cancelled due to the epidemic and the airline refunded me ( {$170.00} ), but Chase closed my credit card and refused to refund me

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-09
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:
ON XX/XX/2020 I reported to Experian that a XXXX  Credit Card did not belong to me. I also made Experian aware that XXXX have removed that account from my credit file. 

In respond to that incident Experian removed that account and dropped my score down XXXX points! Again, I am reporting Experian for their scoring method that is draconian and destructive and by no mean is put in place to help people to improve their credit score. 

No one at Experian can give me a sensible and truthful reasons as to why my score dropped. If the account did not obviously belong to me, then why once again I am being penalized for it?

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 2018-11-17
Company: Berlin-Wheeler, Inc. (Kansas)
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XX/XX/XXXX, I logged on to my credit reports to verify everything was correct and noticed information in all three credit reports of a XXXX XXXX of {$1300.00} opened in XX/XX/2018. A inquiry was made in XX/XX/2018. I also noticed an address that was new. Only showed up in the XXXX report as XXXX XXXX XXXX, XXXX, XXXX XXXX, OK, XXXX. I have already filed a complaint, letters, to all three credit agencies, as well as the FTC this week. I have filed with my local police force of this incident, as well. 
I have only contacted and notified the collection agency, Berlin-Wheeler Inc, of this incident so far.

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 2018-08-23
Company: I.C. System, Inc.
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Telephoned the collection agency in XX/XX/2018 and disputed the debt. Did not accept that I do not owe this debt. Have no idea why they are charging me and now it is on my credit reports.Just mailed out a certified letter asking for them to show me proof of the charges

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 2018-10-18
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
Chase Bank froze my account and did not fund the checks and auto payment we made without informing us. This caused our car lender to report us as late payment to the credit bureau resulting to a damage credit score. We were on the call with Chase bank on XX/XX/XXXX and on XX/XX/XXXX. We were also at Chase Bank branch on XX/XX/XXXX to request for a temporary ATM card. During those times nobody informed us that Chase will stop funding all our payments. I only found out that Chase was not funding my check when my car lender reported us for late payment on XX/XX/XXXX. I was at a Chase Bank office on XX/XX/XXXX and XX/XX/XXXX to clarify what was going on. All I can get for an answer was that our account was frozen and that nobody could explain why. Attached is a copy of the bank statement that shows unfunded payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-18
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
We were reported as late payment when in fact we have more than enough funds with XXXX XXXX for which the check was drafted. We could not understand as to why our check was not funded by XXXX XXXX. I filed a complaint with XXXX also. For a fact that we are doing our best to abide to our loan obligation, we always pay more than the statement amount.

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 2018-10-18
Company: ONLINE Information Services, 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:
Online Information Services Inc XXXX XXXX  XXXX XXXX NC XXXX Business failed to respond to collection letters required by law. They will not remove accounts from the credit agencies. I checked my credit report and found this organization placed a collection account on my report. I contacted the organization on XX/XX/XXXX regarding this issue and asked the send me their initial letter to collect a debt. I found the information they provided to be incorrect. On XX/XX/XXXX I sent a certified letter of dispute asking verification of debt. This letter was sent with a signed receipt. After 30 days past, there was no response from this organization. They are required to provide verification of debt within 5 days and a response with 30 days according to Fair Debt Collection Practices Act ( FDCAP ) as outlined in 15 U.S.C. 1692 (  outlined in my letter I sent them ). Because no response was received, I sent another certified letter with delivery receipt on XX/XX/XXXX demanding the remove the information from my credit report and consider this matter closed. In this communication I also provided a copy of the original letter sent. There has been no contact from this organization and they fail to respond to my written contact per the FDCAP. They also have not removed the account from my credit report. I am seeking resolution here before I file in small claims court.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-18
Company: McCarthy, Burgess & Wolff, Inc.
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint:
On XX/XX/2018, XXXX was contacted about past due account and reason ; payment arrangements were made to restore service. XXXX stated account could not be restored until full amount is paid. 

On XX/XX/2018, XXXX was contacted about additional charges on the account, promise to pay arrangements were made, and the agent stated the account would be notated so that the account will not be transferred to collections. Another payment was made following the call. 

On XX/XX/2018 I received a collection notice from an attorney office via email at XXXX claiming they tried contacting my office to collect a debt on behalf of XXXX without a response which is a negative and false. The cellphone has been temporary suspended due to non-payment. XXXX was immediately contacted referencing the harassment and was unable to resolve.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-04
Company: Sequoia Financial Services
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Due to the Pandemic, we have been facing a lot of problems in terms of financial, emotional, and physical aspects. Also, I have been hearing a lot of recent news that the Bureaus are having data and system issues. I decided to look at my credit reports from the 3 major credit bureaus and found that these SEQ FIN SVCS ( Original Creditor : XXXX XXXX XXXX XXXX - Account Number : XXXX and SEQ FIN SVCS ( Original Creditor : XXXX XXXX XXXX ) - Account Number : XXXX were reporting to be negative on XXXX and XXXX Credit Bureaus. I tried contacting the XXXX and XXXX Credit Bureaus requesting to provide verification of their companys HIPAA authorization and proof that they have not abrogated my rights under the HIPAA Privacy Rule. Unfortunately, there was no successful resolution provided nor feedback heard from the concerned Bureaus. Pending my receipt of proper documentation and in accordance with federal statutes, cease and desist reporting to the credit bureaus. Delete these collection accounts pronto.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I just check my credit through XXXX 's website and i noticed a fraudulent account on my credit report along with a bunch of unauthorized credit inquires. Before reaching out to XXXX, XXXX and Transunion, i took the time to reach out to each and every company that the fraudulent account and credit inquires was submitted. I did not do business with such company. I always get email from XXXX stating that my information was on the dark web. I was also affected by the XXXX breach. I have attached the identity theft report along with my social and drivers license.

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 2018-11-17
Company: EQUIFAX, 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: Account status incorrect

Complaint:
XXXX has reported I'm late on my mortgage consecutively for over a year and I have not been late. 
This has caused me hardship in obtaining a reasonable line of credit for my business which needs a van, my insurance is higher and I was unable to refinance my residence address for a lower rate while the rates where still at 4.25 %

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-29
Company: EQUIFAX, INC.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Equifax is STILL reporting two inaccurate charged off XXXX  XXXX XXXX credit card accounts on my credit reports after numerous disputes. Both XXXX  and XXXX  have removed these accounts on the basis that the debt is NOT MINE, however they claim they have " verified '' the debt and account with the creditor. How are you going to verify the debt if it's not mine? The current charge off amounts are {$5600.00} and {$5900.00} all the way back from 2014. They have not furnished any proof whatsoever that the debt is in fact mine and continue to hold down my scores and from obtaining future credit. I will most definitely be taking legal action if they do not immediately remove these accounts from my report.

Company response to consumer: Closed with explanation