BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-15
Company: Experian Information Solutions Inc.
State: TX
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 Everything has to be 100 % accurate on my credit report. 

The Credit bureaus stated my account was properly investigated, but how is that possible if the open date is inaccurate, the date last active is inaccurate, and the date last reported is not accurate. This ground for removal. They also violated my rights under the 15 U.S.C 1681 section 602 A. States I have 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 explanation
Consumer complaint received 2022-07-15
Company: Netspend Corporation
State: TN
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble getting information about the card

Complaint:
I have a prepaid card from Netspend that was never activated. However, the card still has an active date. I can not activate the card because the company says that it belongs to someone else. I have the original packaging, the store receipt, the physical card, and an approval/authorization number printed at point of sale. I've spent several hours on the phone with multiple representatives. Each has dumped me into an automated system after I described the problem. The last representative stated that they could not help me. 
After multiple requests for supervisors and/or supervisor 's employee numbers, the representatives would terminate the call without warning. 
In summary, cash was spent on a prepaid card but the card was not activated immediately. The card has a printed expiration of XXXX. I have all necessary paperwork and the physical card. The company refuses to mitigate the problem despite receiving the funds ( prepaid ). The company refused supervisory information at my request. The automated system states that the card number is not valid.

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 2021-12-08
Company: Paypal Holdings, Inc
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint:
I was contact by XXXX XXXX stating they are handling a debt owed to PAYPAL and the name on the account is XXXX XXXX. I have a PAYPAL account, but it is linked to my personal bank card as I have never applied for credit through PAYPAL. i contacted PAYPAL and they stated my account is good standing. I informed XXXX XXXX and I asked them to provide any information they have to substantiate who the debt belongs to. To date they have failed to provide any additional information regarding the debt. I have sent them XXXX emails, XXXX included an Affidavit of XXXX, I have called them twice to obtain additional information but they have not providing any documentation to substantiate the debt. I have requested they stop contacting me. I conducted a XXXX search and there are XXXX individuals in California with the same name. I believe someone with a similar name opened the account or used XXXX name to open the account. I have express this to XXXX XXXX but they do not seem to care. They are continuing to harass me everyday and have not provided any additional information. I want them to stop contacting me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-22
Company: Experian Information Solutions Inc.
State: GA
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 U.S.C 1681. 

XXXX XXXX Account XXXX XXXX XXXX XXXX  Account XXXX ; XXXX Account XXXX 15 U.S.C 1681 Section 602A. States I have the right to privacy.

15 U.S.C 1681 Section 604A Section 2. It also states a consumer Reporting agency can not furnish an 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
Consumer complaint received 2019-07-17
Company: Law Office of Anthony C. Onwuanibe
State: DC
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
I bought property from XXXX XXXX in XX/XX/2010. The locks were changed on my property without any notice to go to Court. Attorney XXXX told the Attorney General that he would go through the correct process for Eviction and that never happened.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-18
Company: I.C. System, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a text message from IC System claiming they were trying to collect a debt from XXXX on an account for a condo in Florida. My account is fully paid up and I dont owe any money on 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 2023-07-31
Company: EQUIFAX, INC.
State: IL
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:
I have now requested that the dispute comments be removed from the XXXX  # XXXX be removed as I no longer dispute the account and it was resolved. I have made the request 3 times ( last attempt was on XX/XX/ ) to each bureau and it still appears. This dispute is interfering with my ability to obtain a mortgage and rates keep going up.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-15
Company: HYUNDAI CAPITAL AMERICA
State: FL
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
KIA repossessed my car this morning @ XXXX on XX/XX/2022. I been on the phone with them since XXXX. I have kept in contact with them about my situations.. Ive had one request that has yet to be full filled. But the representative ( XXXX ) tells me I cant get my car back due to lack of residence but your able to find my car anywhere. I stated to XXXX the Representative I live in a XXXX XXXX XXXX & theres no physical address.. That address is confidential because you could be or know my assailant.. So I gave him the address where my mail goes.. He tells me.. Thats not good enough. Really! I asked XXXX how much I need to pay.. I have yet to get an answer. I want to speak to a manager he tells me 72 hrs is the window frame of one calling me back. So I asked him can I talk to the person who denied my request for my lack or residency. He said yes up to 72 hours XXXX call you back.. Wow! I need HELP, ANSWERS, & 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 2019-03-12
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Problem with customer service

Complaint:
I contacted Experian about a dispute that I couldn't file online and I was transferred over to their Fraud department. I explained that there was a residence on the credit report that I've never lived at and the Customer Service representative told me that because I had mail forwarded to the residence that I couldn't remove it. That makes no sense to me because technically I haven't lived with the Owner of the home for 10 years in a previous residence. At the end of the day, when I account for the situation the owner of that home eventually stopped sending and therefore I stopped receiving my mail. I moved into an employment program because of possible government involvement that constituted entrapment charges that I wasn't seeing served. After even more accounting into past events that would constitute possible other felony charges that are not being paid any attention at the current time although they've been communicated to federal law enforcement. That could be collusion but I have an international limitation situation that suggests foul play from a military branch so its a federal case and the owner of the home seems to be getting a pass. In response, I've made distance between myself and my parents. My mother 's address was removed and the owner of the other residence is my father. I do not wish to be held liable for the property because of my wish to pursue legal action for my own assets which seem to be caught up in whatever is going on with my information. Thank you for your attention in these matters and I would appreciate it if you could contact the Federal Trade Commission and inform them of this complaint. My email is XXXX and I can be reached by telephone at : ( XXXX ) XXXX. Have a nice day. 

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 explanation
Consumer complaint received 2022-07-15
Company: Aspen Yo LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
XX/XX/XXXX contacted Gregory Funding regarding taxes not paid and return of my escrow monies. They had not paid my taxes when they took over the loan on XX/XX/XXXX per documentation attached. There was enough in escrow at that time as the escrow was also transferred. I contacted Attorney XXXX XXXX and she had a hard time communicating with them as they were telling her she could not speak on my behalf even with me in the room giving permission. She was told in Texas that is against the law. However I did send them by fax, mail and portal a third-party authorization letter. Even with the letter they refused to talk to her. Our main thing was to get the taxes paid, find out who is my mortgage lender since Gregory Funding states they only service the loan, and return my excess in escrow funds. GF finally paid the taxes a day before legally Texas could of placed my account in foreclosure as they knew it would take a day or XXXX to process. Gregory Funding is very hard to contact. At XXXX am I am the XXXX caller. XXXX XXXX from Gregory Funding said my escrow would be in review in XX/XX/XXXX, however, that is over a year from having my account transferred to them. These people are not professional, and told me " well the taxes are paid now, everything is okay '' as if I was just to accept when they paid and be quiet. Also Gregory funding stated that XXXX held my mortgage, but they would not respond to attorney 's inquiry. Copy of attorney 's email to them is also attached. I also make additional payments to principal, but they put all extra monies into escrow and what they call an undetermined account. If I ask for monies to go to a specific place i.e. principal, then that is where they should go.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-15
Company: CITIBANK, N.A.
State: CA
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:
I purchased a laptop from XXXX online store on XX/XX/18. XXXX claimed to have delivered the item XX/XX/18 to my home address. However, I was out of state from the morning of XX/XX/18 until XX/XX/18 as can be seen by my XX/XX/2018 credit card statement that I have attached. I filed a dispute to my credit card company Citibank. Citibank contacted XXXX and XXXX responded with invoice and tracking confirmation from XXXX   that stated that it was delivered but I still do not have the product. The credit card company now claims that they can not do anything now because XXXX provided a tracking confirmation about the delivery. They would not do anything even with a police report ( attached ) to back my statement. They asked me to contact XXXX and try to resolve the dispute. I tried contacting XXXX with no success. Their customer representatives repeatedly transferred me in circles multiple times lasting for about an hour. Citibank is forcing me to pay for the bill for an item that I did not receive.

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 2023-08-15
Company: EQUIFAX, INC.
State: MD
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:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying items recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-15
Company: Experian Information Solutions Inc.
State: IL
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:
XXXX  XXXX  XXXX  Acoount # XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX These items are in violation of 5 USC 1681 Section 602 A right to privacy 15 USC 1681 Section 604 sec. 2 written consent

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 2022-07-15
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: NV
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I have been denied for modification twice now and not properly reviewed. Rushmore has stated that my DTI needs to be below 35 % and my DTI currently is 34 %. I have appealed twice now breaking down details of my GUARANTEED income versus my expenses, and my debt to income ratio is well in the approved threshold. Rushmore refuses to take into consideration that I get paid in cash from my grandchildren mother, even though she has written a letter, and legally signed it stating she without fault, makes payments to me every month for taking care of them. I would like nothing more than to save my home for me and my grandchildren and be reviewed for a modification and get back on track with my mortgage with payments I can afford. It has been over 6 months that I. have been fighting for my home. As a widow and an almost XXXX XXXX XXXX woman, I would like to be in peace knowing that my home is secure.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
I kindly request the immediate removal of this inquiry from my credit report, as it does not pertain to me, and I have no connection with the involved creditors.

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 2023-06-15
Company: EQUIFAX, INC.
State: GA
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 Account ( s ) has violated my rights. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
On XX/XX/XXXX I had a hard inquiry removed off my TransUnion credit report instead of my credit score going up it went down XXXX points. From XXXX to XXXX I want a real investigation.This is not the first time that happened, the other 2 credit bureaus have done the same with credit reporting. I feel there should be a investigation done of the past two years on all three bureaus before I have to get a lawyer. In past two years I have sent police reports of being a victim of identity theft keep telling me they never received them when I sent them certified mail to be signed. All the credit cards on my reports that's showing negative aren't mines and I need them off my credit report ASAP because I am tired of playing with them. The credit bureaus is designed to keep XXXX American People at certain score level and I can prove 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 2023-08-15
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
I disputed my XXXX credit card balance at least 3 times, even providing a credit card statement and XXXX still is posting false information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-26
Company: JPMORGAN CHASE & CO.
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:
On XX/XX/XXXX, I authorized the merchant, a XXXX taxi company at XXXX XXXX, to process a {$10.00} USD charge only for a taxi ride from terminal A to terminal C. We were short {$10.00} cash because an extra person rode in the taxi with us. Then I asked for a receipt, they said they could not provide me with one because the card reader didnt allow it. They processed at total of {$2000.00} USD on XXXX separate cards ( XXXX  {$990.00} and Chase {$1000.00} ) by telling me the cards were not working. I disputed both charges initially on XX/XX/XXXX. XXXX XXXX conducted their investigation and sided with the merchant and brought to my attention the merchant provided a fraudulent receipt with a forged signature. I explained to XXXX  the situation, they were able to re-dispute and give me my money back. Chase, however, sided with the merchant on XX/XX/XXXX due to the same forged receipt. I'm attempting to re-dispute for the full amount charged. Chase never provided me with ruling or documentation until I called to follow up on XX/XX/XXXX. The dispute with Chase is unresolved. I am still pushing for a re-dispute which they're pushing back. I've provided Chase with emails I've sent the merchant ( with no response on XX/XX/XXXX and XX/XX/XXXX ), proof they received their {$10.00} USD payment from XXXX XXXX, and a copy of my actual signature to see the merchant has forged my signature. I have also attached these documents below for CFPB to review. I've also attached what the original charge was for the taxi ride from the resort to the airport, for which we paid mostly cash.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-15
Company: Newport Intermediate Inc.
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I did a transfer XXXX on XXXX XXXX from nothlane work salary card to my account in XXXX XXXX XXXX however until today there is no money on my XXXX account. 
And also on XXXX I did a transaction of XXXX on the same account however I put credit card number instead of account number. And the same happened I transferred XXXX from another pay Salary account. I was told by my Finance officer that the money was to be reimbursed after he placed in a complain but until today still no money has been returned on both accounts. Please what should I do for these both matters

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
I strongly desire not to have this appear on my credit report. I earnestly implore you ; this does not belong to me ; it is a clear case of fraud. Please take appropriate action regarding these inaccurate accounts.

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