BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-09-25
Company: JPMORGAN CHASE & CO.
State: TX
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 customer service

Complaint:
I AM STILL BEING FOUGHT WITH WHEN I CANNO HEAR ON HEADSETS AND VOIP SYSTEM AND THEY REFUSE TO GET ME SOMEONE THAT I CAN HEAR AND WILL NOT GET OFF THE HEADSETS. I AM TOLD I CAN HEAR JUST FINE AND THAT THEY REFUSE TO DO IT ANY OTHER WAY. 

XXXX AT XXXX ON XX/XX/XXXX XXXX AFTER HER AND HE WAS THE WORST OF ALL OF THEM. 

XXXX T XXXX AT XX/XX/XXXX PLEASE PULL ALL THESE CALLS AS IT IS NOTED ON MY ACCOUNT. 

VERY RUDE FOLKS AND VERY CRUDE AND NASTY. 

now XXXX and XXXX too discriminated once again at XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-19
Company: NAVY FEDERAL CREDIT UNION
State: LA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
on XX/XX/ I deposited a dividend check online at my bank, Navy Federal Credit Union, in the amount of {$2.00}. The bank failed to deposit the check correctly through the clearing house and the check was rejected. Under the guise of a " bounced '' check the bank charged {$15.00} and directed me to contact the issuer in a refer to maker. 

The maker, XXXX, a major stock broker, was extremely confused. Thier investigation found that NFCU had incorrectly routed the check and they reissued a new check. 

NFCU charged me {$15.00} for the bounced check due to their mistake.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-21
Company: Experian Information Solutions Inc.
State: AR
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 pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine including a bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect. XXXX  XXXX {$2600.00} XXXX  XXXX XXXX {$700.00} XXXX  XXXX {$1000.00} XXXX XXXX {$1200.00} XXXX XXXX  XXXX {$350.00} XXXX XXXX XXXX XXXX XXXX {$2400.00}

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 2018-02-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Information belongs to someone else

Complaint:
I have derogatory information on my three credit bureaus from TransUnion, XXXX and XXXX that are not correct Ive tried numerous of times contacting and speaking to the credit bureaus about the negative information there reporting on my credit report and I have also complained to them that someone who I know and trusted which was a family member that used my personal information to obtain credit using my personal information also there are lots of hard inquiries being reported on my credit reports which I didnt authorize could someone please help me out with these problems Im having thank you.

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 2020-11-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I have tried to remove old addresses, old name variations, and other information from my credit profile but the bureau doesnt remove the data. Per FCRA Section 623 ( a ) ( 1 ) ( C ) A Credit Bureau can not report information the consumer has told them is inaccurate. All old addresses and information needs to be removed from my credit profile due to being inaccurate.

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 2020-11-23
Company: Credit Plus Inc
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
The company that pulls my credit Credit Plus, is still reporting the exact same score from XX/XX/2020 to XX/XX/2020 but XXXX  sent a result with 12 accounts deleted dated XX/XX/2020, so that should have changed something pretty drastically. My credit score is important to me. I really need this update.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-22
Company: Experian Information Solutions Inc.
State: FL
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:
on XXXX I sent a letter regarding inaccurate and unverifiable Information on my credit report on this date over 44 days later I have not received a response yet. I feel I am being taken advantage of being ignored in my dispute process. Section 611 ( a ) it is plainly stated that a failure to to investigate these items within 30 days gives a reason to immediately remove those items from my credit report on this date it is over 40 days later so they should be deleted promptly. I demand for the bureaus to comply with deletion or I will file for litigation due to the stress and erroneous items reporting on my credit report. My information was also impacted by the XXXX  data breach and may have been in 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 explanation
Consumer complaint received 2020-05-21
Company: EQUIFAX, INC.
State: AR
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 pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine including a bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect. XXXX  XXXX {$2600.00} XXXX  XXXX XXXX {$700.00} XXXX XXXX {$1000.00} XXXX XXXX {$1200.00} XXXX XXXX  XXXX {$350.00} XXXX XXXX XXXX XXXX XXXX {$2400.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-06
Company: Experian Information Solutions Inc.
State: LA
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: Problem with personal statement of dispute

Complaint:
XXXX and XXXX of XX/XX/XXXX-XX/XX/XXXX credit usage is not being reported correctly. I've tried several times to get this matter corrected by calling the bank and the credit bureaus but no success. Also all three bureaus are reporting different I would like all 3 to be reporting the same. Can someone please 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 2020-02-17
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
ON XX/XX/2020 EQUIFAX INCORRECTLY AND FALSELY LOWERED MY CREDIT SCORE AS THE REPORTS DATED XX/XX/2020 SHOWS SCORE XXXX AND THE REPORTED DATED XX/XX/2020 SHOWS SCORE DROPPED 6 POINTS. 
ATTACHED COPIES OF THE SCORES FOR THE TWO DATES ON XX/XX/2020 I RECEIVED TWO ALERTS AS ATTACHED. 

THE ACCOUNTS HAVE NOT CHANGED BUT EQUIFAX FRAUDULENTLY LOWED THE SCORE AS THE ACCOUNTS STATUS HAS NOT CHANGED. AS THE ACCOUNT WERE UPDATE. 

EQUIFAX HAS REPEATABILITY IN THE PAST LOWED MY SCORE WHEN THE ACCOUNT WAS UPDATED WITH THE SAME DATA. 

XXXX AND XXXX  ARE ALSO GUILTY OF THIS FRAUDULENT PRACTICE. 

EQUIFAX NEEDS TO STOP THIS FRAUDULENT PRACTICE WHEN ACCOUNTS UPDATED AND WHERE THE STATUS HAS NOT CHANGED.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-12
Company: Resurgent Capital Services L.P.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX LVNV FUNDING LLC Reported : XXXX XXXX, XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). 
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.

A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious LVNV FUNDING LLC Reported : XXXX XXXX, XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re Portfolio Recovery Associates, LLC Telephone Consumer Protection Act Litigation, Case No. 11-MD-2295-JAH-BGS, in the U.S. District Court for the Southern  District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
Good morning, Beginning XX/XX/XXXX, I am been writing XXXX, Transunion, and XXXX  to dispute inaccurate information on my credit report and asked them to validate the accounts. I have also asked them to investigate the accuracy of several specific items by providing proof of the debts that I owe. XXXX  responded only with " everything was verified and accurate ''. 

As of today, XX/XX/XXXX I have sent them multiple letters and they have only replied with a " verified '' and no additional information or a description as to how the accounts were verified or included the response from the debt collectors

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 2020-05-21
Company: Experian Information Solutions Inc.
State: AR
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 applied for a credit card and got denied. I was not told the reasn why i got denied, I went home and decided to get a copy of my credit report in XXXX XXXX  and I saw various items that had been open. these items are not mine. Someone has used my information to open up all these fraudulent accounts. Please take them off 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 2020-05-21
Company: Bread Financial Holdings, Inc.
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
Due to the unforeseen financial hardships and personal hardships I have faced due to the global pandemic, I failed to make my payment on my Ann Taylor store card issued by Comenity Bank. I would like to add that on multiple occasions I have asked Comenity Bank about auto pay options which they do not offer. When I realized the payment was missed I immediately paid my balance in full of about {$180.00}. On XX/XX/XXXX, I contacted customer care for Comenity Bank to ask if they would remove the negative reporting form my credit report in good faith as I have been a long time customer and only missed the payment because of the extenuating circumstances. The phone representative advised I should write a message online and that would be taken care of. I sent the message and got a response on XX/XX/XXXX stating I need to write a letter of dispute. I responded and said this seemed like a bit of an extreme to make a customer go through. I have been in contact with all my creditors recently and all have offered assistance immediately. Why Comenity feels the need to make a customer go through such a process for a simple {$180.00} store card bill seems very ridiculous in this mass hysteria the country is in. I ask that the negative reporting be removed from my credit report as I have paid off my full balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-21
Company: MARINER FINANCE, LLC
State: MS
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I got a loan from XXXX XXXX years ago, shortly after I got very ill and had to have XXXX XXXX which forced me to stop paying it bc I was XXXX and couldn't work. They turned my debt over to Mariner Finance whom I got an email from a couple months ago with a debt settlement offer For a {$1400.00} less than what I owe but only valid if I paid the remaining balance in full which I did. When I got my stimulus check I went to their office and paid them on XX/XX/2020 they told me that they couldn't give me a XXXX balance receipt until ten days after the check cleared but they gave me a receipt w the rest of the balance on there and said that they would mail me a final receipt in ten days once the check cleared or I could come back and pick up one in person. needless to say I went back today which is actually 17 days since I went and paid them and they said they still couldn't give me an accurate receipt bc they claim the check hasnt processed their system which is a lie bc its cleared my bank account. You would think they would be more cooperative w all this covid 19 pandemic going on

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 2017-08-10
Company: EQUIFAX, INC.
State: OH
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:
this issue concerns all three reporting credit bureaus I firm believer that the credit bureaus share information not only about your credit history and behavior but also about your race. beginning back in XX/XX/XXXX I began to rebuild and repair my credit I have worked very hard at this and I have been able to break XXXX on my credit score. as soon as I get as high as XXXX or XXXX one of the three credit bureaus will place something on my credit report that drives my score back to the XXXX to XXXX range and 9 times out of 10 it is in accurate or being reported incorrectly example one of the three will take inserts from my bankruptcy filed in XX/XX/XXXX put on credit report XXXX just happen put XXXX XXXX on as charge off late 90 days + they did correct it after I contacted them. but this hurt my score but this the type of issues that I have to keep dealing with. I feel that this is very unfair treatment and design to keep your credit score from breaking that XXXX score as a small XXXX XXXX this practice greatly inhibits my ability to grow I can not obtain line of credit that I need to move forward. and I have lost out on opportunity 's that come my way I pray to god that can be fixed and this behavior by three reporting agency addressed and fixed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-30
Company: FISERV INC.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/XXXX, I wrote a XXXX XXXX check to pay for a purchase. The amount was {$67.00}. The check was rejected with a printout from " Telecheck '' on the back. I had more than {$1500.00} in my account. I contacted the bank, and they said I needed to call Telecheck. When I called them, they stated I had a bounced check. Upon further asking, they stated that it was a " XXXX '' XXXX a local XXXX Texas bank ) check. I had a XXXX account that I closed out on XX/XX/XXXX. I had a checkbook lost or stolen about that time. 
Telecheck said that the check was written XX/XX/XXXX for the amount of {$190.00} to XXXX. They directed me to call XXXX. I did call, and I was informed that they did not have any record of a returned check after I had closed the account, and that the account was clear when closed. They instructed me to speak to a supervisor at Telecheck. I called back and did speak with someone who stated that the complaint or claim against me was by a company called XXXX. I asked why and how XXXX could essentially freeze my account ( unable to write checks XXXX because of a check written over 3 years ago. Also that I had not written any check just prior and especially after closing that account. I also said that XXXX never sent any correspondence or called me about this. 
The Telecheck supervisor stated they would turn it over to " claim investigation '', but they requested I fax them a letter from my old bank, XXXX XXXX Texas XXXX stating that the account had been closed and the date. They also requested a copy of my Drivers license, and a cover sheet with my name, address and phone number, with the case number on each sheet. I did fax the information to them and their investigation department. 
I know that checks to XXXX are processed immediately, and they do not ask for identification. If funds are insufficient, the checks are rejected. 
XXXX Texas told me that if a check had come in after the account was closed, they would have contacted me. 
I did not attempt to contact XXXX because of some questionable information I had seen when I looked them up on the internet. They have many complaints against them and reports of false claims they have made. 
I want to see any proof of an overdraft and returned check. Also I want to know where this check was written ( city or store ) and if there is a signature. I again state I did not write any check after the account was closed, especially over 2 months after it was closed. 
Unfortunately, I have a very common name and am alos wondering if this is a case of mistaken identity from Telecheck.

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 2023-01-18
Company: Experian Information Solutions Inc.
State: CA
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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