BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-05-14
Company: Netspend Corporation
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to pay a bill

Complaint:
An unknown person with an telephone # beginning in XXXX called in to XXXX   last week trying to breach my account. Netspend/XXXX  put my acct onhold. I called in several times this week XX/XX/XXXX thru XX/XX/XXXX. 
XX/XX/XXXX I was not able to get thru to anyone on several attemptd, in which i can get phone records and recordings for calls. TuesdayXX/XX/XXXX..I spoke w/ reps " XXXX Bagde # XXXX and XXXX # XXXX i WAS N 2 SEPERATE CALLS EACH FOR AN HOUR AND then they hang up while i was on hold ... THEY CLOSE at 4 my time ... the 2nd call w/XXXX  adv me she needed to call mycell phone while i was aqt work to verifyits me ... so I left my job to accomodate ... she sed she will call in 4-10 min and never did at which that 10 min mark was whn they closed. XX/XX/XXXX i start again in the morning calling on hold another hour, the woman on the phone advised ne they are gon na have to close myaccount and send a check to address on file. I advised the woman on the phone that im in the middle of moving and that address is not good and i would like to find a diffrent solution and asked for a supervisor ... .she put me on hold where i was for 10additional minutes to only have her end the call. I had taken so much work Time iff During the 2 days ... I couldnt take more time and call back .. XX/XX/XXXX I believe the rep from the previous day closed myaccount ... as today they had a hard time finding my account ... so today my 1st rep was XXXX badge # XXXX ... i ASKED IF HE KNEW WHO THE4 CFPB WAS HE SAID he had no idea ... adv will be making comoplaint today so ineed to make sure we tryn to handle my call a little better today ... he transfers me to supervisor XXXX badge number XXXX THIS IS ABOUT 20min into call ... he places me on hold after advising me neither does he know who cfpb is..he states i need to speak to fraud dept now ... they left me on hold for an hour and 36 min until they closed and call just went dead ... They have XXXX of my money and cant touch it or talk to anyonte about it ... i BELIEVE THIS IS THEFT. I NEED HELP

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-14
Company: EQUIFAX, INC.
State: CT
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:
Dear Legal Department, This credit dispute is being submitted as a new evidence dispute. The accounts that are being disputed, does not belong to me. Below is my sworn statement concerning these credit issues. 

It is my sworn statement that I declare under penalty of perjury ( " under the laws of the United States " if executed outside of the United States '' ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement or omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable l1S perjury under 18U.S.C. 1621. 

The tradelines listed below are items currently within my credit file, and none of these are related to any transaction that was made by me. It is my official statement that someone and/or several people have opened these accounts and made transactions on these accounts without my knowledge or authorization, my personal information has been used to obtain goods, services, or money : and the person ( s ) responsible for creating these accounts. 

I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. I have reached out to all of these creditors and have made them aware that these accounts were fraudulently opened, and they have known this for several months, but have yet to remove these accounts from my credit reports. Some of the creditors have been cooperative and have removed the accounts, but others have refused to remove the fraudulent accounts. Therefore, I have come to you, the credit reporting agencies to resolve these issues. The law says that you must block these accounts while being investigated, and I expect that you will do so. 

I made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency and that they would not file the report  because I didn't have any information on the person who used my information, nor did I know how my information was obtained by this person. 

Likewise, these COLLECTION ACCOUNTS are also not mine. None of these belong to me. This means that I was not the person, which had an account with the original creditor, which has sold these accounts to these collection agencies that are now reporting the debts. 

COLLECTION AGENCY : XXXX XXXX  XXXX  XXXX  ACCOUNT NUMBER : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-30
Company: M&T BANK CORPORATION
State: AZ
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:
M & T Bank is reporting mortgage late payments as of XX/XX/XXXX. This mortgage account was paid off and closed on XX/XX/XXXX. I have reached out the them 4 time and they are not doing anything. I pulled my credit in XX/XX/XXXX and they just reported a current late on XX/XX/XXXX. This is causing me thousands of dollars and I just lost a potential home purchase because of this. Im tired of M & T Bank telling it my problem.

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 2021-02-23
Company: BTH Management
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I filed a dispute in regards to the incorrect items on my credit report and its been well over 30 days and I havent received any investigation results.

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 2020-08-31
Company: JPMORGAN CHASE & CO.
State: OH
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:
Chase Marriott Visa - Unbelievable - We went on vacation XXXX through XX/XX/XXXX in XXXX XXXX, XXXX property owned and operated by Marriott - When we checked out the hotel ( XX/XX/XXXX ) could not provide bill- Covid issues, etc..When we got home, they could not provide us itemized receipt- We were concerned as we had to move rooms in middle of stay and charges on credit card were multiple DAYS and very high, and included charges for days after we had left resort. We called chase challenged charges and were issued new cards, Chase spoke with US about the situation and Marriott did call me. However, we still do not have itemization that matches the charges they wished to charge to card! Then after 30-45 days, charges just showed up on the new chase card!!! Even after we cancelled our account because we thought there was some fraud on the card- WHEN WE CALLED CHASED THEY SAID THEY DID INVESTIGATION AND NOTIFIED US OF CHARGES GOING BACK ON ACCOUT-NOT TRUE- JUST SIMPLY A LIE.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-30
Company: Convergent Resources, Inc.
State: AE
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
On XXXX XXXX XXXX, I received a letter dated XXXX XXXX XXXX from Convergent Outsourcing attempting to collect a dept totaling {$440.00} for the creditor XXXX. I have never used XXXX 's services, and had not previously heard of the company. The debt breaks down as follows : {$210.00} Equipment fee, and XXXX service fee. 

I called Convergent Outsourcing on XXXX XXXX XXXX to inquire about the debt and was informed that XXXX is a cable service provider. Convergent informed me that XXXX provided service to an account opened in my name, using my social security number, to the address of XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX NY XXXX. Service ended XXXX XXXX XXXX and Convergent Outsourcing was contacted to collect the debt. I have never lived in NY, nor have I ever had any business at the aforementioned address, nor have I corresponded with XXXX to provide service. I informed the Convergent Outsourcing representative of this and that the debt was the result of fraudulent activity. The representative then agreed to mail me a fraud package to complete and return to Convergent Outsourcing. 

After contacting the collection agency, I contacted XXXX on XXXX XXXX XXXX and was told that the account was opened in XX/XX/XXXX and closed in XX/XX/XXXX. The representative informed me XXXX would wave the {$210.00} equipment fee, and contact Convergent Outsourcing, but I have not yet seen evidence of this. XXXX refused to wave the {$230.00} service fee. 

On XXXX XXXX XXXX, I contacted XXXX, an identity monitoring service that I use. XXXX XXXX recommended I call the three credit bureaus to freeze my credit, which I did that same day. I'm currently working with a credit restoration specialist from XXXX provided by XXXX. The credit restoration specialist has opened an investigation into the matter and will be contacting Convergent Outsourcing on my behalf. 

On XXXX XXXX XXXX, the credit restoration specialist recommended I file a complaint with the Federal Trade Commission via their website. The FTC site then directed me to the Consumer Finance website to finalize the form.

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 2020-05-14
Company: FIRST NATIONAL BANK OF OMAHA
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
I asked for a balance transfer to my XXXX XXXX account from first bank. They offered me a transfer rate of 0 % until XX/XX/2021. Somewhere in very small print was written that theres a 5 % fee which I did not understand at all or see, because this was an application that I did online. 

I took a month for them to send me the actual card, and I couldnt sign on and see what was going on. Finally after calling them they sent me the card and I managed to sign up online to look at my account And I see they charged me {$410.00}, for a balance transfer of {$8300.00}. 
and I see they charged me {$410.00}, for a balance transfer of {$8300.00}. 
If I had known that this was the amount I would never have done a balance transfer, because essentially whats happening is they charging me a 5 % interest-rate to pay this off within a year, not a 0 % interest rate which was what I was understanding Due to the fact it took almost a month for me to get the card and be able to sign-on and look at the details, theyve already sent the transfer to my XXXX XXXX account and charge me the {$410.00} I would like a refund of that {$410.00} because it was completely misleading.

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 2020-10-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Around XXXX XXXX XX/XX/2020 i tried filing an online dispute with multiple items. Each time I attempted to submit the dispute the system timed out with an error code of " temporary system error. '' I thought this might be due to batch processing during early morning hours. Around XXXX hours on XXXX XX/XX/2020 I proceeded to do the same thing and encountered the same error. It was only AFTER limiting the amount of items to two ( 2 ) items that TransUnion 's system successfully processed the dispute. However, attempts to submit additional disputes online is barred until the investigation for the currently disputed items has finished. What this means is that TransUnion is limiting the amount of the disputes any individual is allowed to dispute within any thirty ( 30 ) day period. Given the nature of the current pandemic the turnaround time for processing and resolving a dispute is in excess of the thirty ( 30 ) day time-frame. TransUnion is attempting to regulate, and minimize my right of notice and opportunity to be heard and are effectively abridging my rights of due process granted to me by the FCRA. The harm is that additional items that may need to be disputed remain unresolved and in my credit file, lowering my credit score and adversely affecting my ability to secure lines of credit at a time when many individuals are experiencing financial strain.

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 2018-07-27
Company: KBR INC DBA RASH CURTIS & ASSOCIATES
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
XXXX calls within the last day. In the middle of the night and early morning. I don't have debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-15
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: Account status incorrect

Complaint:
I paid in full a XXXX XXXX account through portfolio recovery collection agency. XXXX XXXX XXXX collected full- payment of debt Owed including interest on my late payments. XXXX XXXX e-mailed me proof of letter that they reported my account paid in full not settled. I have been trying to fix this with Transunion, since I have been on the phone with Transunion for two hours everyday before I can speak to a representative. I have attempted to fix this with Transunion all week I have been trying to update my report as paid in full and not settled. This is affecting my credit report and score. Its wrong for you to pay your debts in full and your report still shows derogatory and on top of that they told me that it will be like this for seven years regardless if I paid in full or not this is not OK this is not right how people abuse their title to do whatever they feel like doing on other peoples credit reports this is FALSE INACCURATE INFORMATION ON MY CREDIT REPORT As of right now my account is derogatory status and I was told by a Transunion representative that my credit report will reflect a derogatory status for seven years due to not paying in full that is not correct its in accurate. I have been trying to fix this a Transunion representative told me that they will fix it and update my credit to paid in full but when I went back to check my credit report my account was freeze. I called technical support as advised by Another Transunion representative. I called technical support they told me there was no freeze on my account whoever took care of this over the phone and promised to update my credit report didnt help me didnt do anything and did something to my account where I dont have access to it and no one can help 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 explanation
Consumer complaint received 2020-01-21
Company: EQUIFAX, 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:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND INACCURATE ACCOUNTS ON MY FILE. THESE NEGATIVE ACCOUNTS HAVE CAUSED TREMENDOUS HARDSHIP ON MY CREDIT. I FEEL LIKE I'M HELPLESS BECAUSE I HAD NO KNOWLEDGE OF THE ACCOUNTS. I HAVE NO IDEA WHO WOULD HAVE MY PERSONAL INFORMATION ON HAND AND CAUSED A GREAT HARM TO MY CREDIT, BECAUSE OF THIS IT IS NOW HARD TO ACQUIRE NEW CREDIT. I AM REQUESTING A RE-INVESTIGATION INTO THIS MATTER AND I WOULD LIKE THIS NEGATIVE ACCOUNT OFF MY CREDIT FILE. PLEASE KEEP IN MIND THAT THESE ACCOUNTS WERE NOT AUTHORIZED BY ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
XXXX XXXX XXXX XXXX is reporting mortgage late payments as of XX/XX/XXXX. This mortgage account was paid off and closed on XX/XX/XXXX. I have reached out the them 4 time and they are not doing anything. I pulled my credit in XX/XX/XXXX and they just reported a current late on XX/XX/XXXX. This is causing me thousands of dollars and I just lost a potential home purchase because of this. Im tired of XXXX XXXX XXXX XXXX telling it my problem.

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 2022-08-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
In accordance with the Fair Credit Reporting act XXXX XXXX  # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2020-12-09
Company: REGIONS FINANCIAL CORPORATION
State: AL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
Since joining Regions Bank. I have opted out of offer draft transactions. They can not charge me fees when money is not available. Regions bank fires not honor my contract. Every month they remove {$36.00} NSF fees for transactions that are not on automatic pay. There are no transactions in my account set for autopay and they still erroneously charge me fees. It is an ongoing an fraudulent practice and I want it to stop. If I pay my bill around the Santa time every month, that is not considered autopay for Regions, that means if my car note is due on the XXXX, I pay around the {$16.00} and not require them to do so. XX/XX/20 ( 2 ) NSF fees XX/XX/20 ( 1 ) ) fee : XX/XX/20 ( 1 ) {$36.00}. So on and so forth. This is fraud and I cant purchase a home because of these negative

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 2018-03-01
Company: Carter-Young, Inc.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
Opened XX/XX/2014 ( 3 yrs, 11 mos ) Account status Open Type -- *** Not my debt *** Identity Theft ( plus )!!! Collection agency is harassing me!!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-30
Company: Experian Information Solutions Inc.
State: AZ
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:
XXXX XXXX XXXX XXXX  is reporting mortgage late payments as of XX/XX/XXXX. This mortgage account was paid off and closed on XX/XX/XXXX. I have reached out the them 4 time and they are not doing anything. I pulled my credit in XX/XX/XXXX and they just reported a current late on XX/XX/XXXX. This is causing me thousands of dollars and I just lost a potential home purchase because of this. Im tired of XXXX XXXX XXXX XXXX telling it my problem.

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 2020-12-10
Company: EQUIFAX, INC.
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
dispute this account multiple times via certified mail, Equifax & XXXX  showing two vast different account with same account number, but keep claiming it was verified. Law is clear account have to be 100 percent accurate, and these account is vastly different if your sources the same.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-30
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
I pulled my credit report from XXXX XXXX. I noticed several accounts reporting inaccurate information. I submitted letters to all three credit bureaus. Equifax Never responded and the other two credit bureaus never deleted the accounts

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-01
Company: DISCOVER BANK
State: PA
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 received a 2017 XXXX from Discover Bank about an old credit card account I had. Since they cancelled the debt and I have to report it as earned income, the balance on all of my credit reports should be {$0.00}. I have tried disputing the amount with all three bureaus, and they keep saying that the amount has been verified. How can Discover Bank cancel the debt and still say that balance is valid?

Company response to consumer: Closed with explanation