BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-08-05
Company: Investment Retrievers, Inc.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I am not liable for this debt with INVS RETR plus they did not provide me with the original application like I asked. 

Account No : XXXX Amount Disputed : {$11000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-19
Company: Netspend Corporation
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
On XX/XX/2019, I opened an account with XXXX XXXX by XXXX. This account had promotional terms that stated {$100.00} bonus for becoming an account holder and initiating a Direct Deposit of {$500.00} or more. Additionally, the terms state that the {$100.00} bonus would be posted 30 days after all requirements havebeen met. After speaking with XXXX XXXX, they state that the terms state the direct deposit needed to be for 3 consecutive months, which is not in the terms advertised. 

My direct deposit of {$500.00} was posted on XX/XX/2019. 30 days after that is XX/XX/2019. I still do not have the {$100.00} bonus and XX/XX/XXXX XX/XX/XXXXrefuses to support my position. I have esclated the issue with no resolve. The representatives I have spoken to give generic statements and refuse to investigate this issue or dive into the issue further.

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 2020-05-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
All my accounts with XXXX  has been closed since XX/XX/2020 due to loan consolidation with XXXX XXXX i called XXXX   and they was to update my credit report at the end of XXXX like the other loan servicers did and they failed to update credit reports correctly

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 2017-08-23
Company: National Credit Systems,Inc.
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I have called several times over the past 2 years to get information from the National Credit Systems in XXXX GA who claim they are collecting a debt from an old apartment complex where I lived over 5 years ago. When I moved I did n't owe the company any money now this collection was just placed on my credit with any rights to validate or dispute I have sent several cease and desist letters and they have refused to respond or take the item off my credit.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-19
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
On XX/XX/2019, I made a full payment on my car loan. Although I am making the payments later than the due date, I did not go past the 30 day period that would lead to a negative remark placed on my credit report. The XX/XX/XXXX payment was due by XX/XX/XXXX according to the customer service rep I spoke to regarding this issue and the Billing statement that I receive monthly. The payment was made on the XXXX but posted XX/XX/XXXX which is shown on the billing statement from XXXX XXXX, 2019 and was considered to be late. However, my payment confirmation and transaction history from XXXX XXXX shows that the payment was made on XX/XX/2019, and I still received a negative remark on my credit report. I believe this remark is a error due to the fact the payment was made before going beyond 30 days or payment deadline. I was also told that the payment may have posted later due to the XXXX holiday, which is still not my fault as a customer. I spoke with XXXX from XXXX XXXX on XX/XX/2019 and she stated that she would leave notes on the account explaining my concern and advised me to dispute the negative remark as soon as possible.

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 2017-04-14
Company: Bread Financial Holdings, Inc.
State: GA
Product: Credit card
Issue: Advertising and marketing

Complaint:
I was misled into thinking that I could have a XXXX alternative from XXXX in XXXX GA. They set me up with a Comenity Bank account for a debt of over {$5500.00}. After XXXX weeks I let XXXX know that I had zero results. They had me wait until a full 3 months had passed to see me, all the while I was making payments to the account. 

After 12 weeks XXXX got me in, took my XXXX, and took after pictures. I almost cried, I had gained XXXX and there were no differences in my pictures. I was clearly upset with the results and wanted to speak to someone. The nurse said she was sorry, suggested some natural ideas help with XXXX and said a manager would call me. 

Once I finally heard from a manager they tried to sell me on a second round of the procedure for another $ XXXX. I refused and contacted Comenity Bank for help. 

The service from XXXX was fraud. The pictures on the sales ads were deceptive, and it should be illegal to take advantage of consumers like this. They advertise XXXX alternative and show unrealistic before and after pictures. I had zero results and informed the company after 4 weeks to let them know. 

After I filed the dispute, Comenity Bank instructed me to work my issues out with XXXX. I contacted the XXXX corporate office and was told they would offer me a credit and that a manager in GA would reach out to me. 

The manager in Georgia did reach out to me. She agreed that the service was NOT successful and offered me a store credit for future services of {$2800.00}, still wanting me to pay Comenity $ XXXX. I refused this offer and went back to Comenity bank to let them know we could not resolve this ourselves. 

I was told by the XXXX customer service that the dispute would be refiled on XX/XX/2017. I have written on the company XXXX and client portal for updates and help with no reply other than call customer service. Today I called customer service and they said they had no record of me contacting XXXX to resolve and thought they had sent a letter to inform me. The rep said she was n't sure why the letter was n't mailed and would reopen the case. 

I feel like I am getting the run around from the bank and have definitely been scammed by XXXX. PLEASE HELP ME! I have two other accounts with Comenity funded ( XXXX and XXXX ) that are paid on time and XXXX is actually paid in full. 

I have no problem paying my bills but do have a problem being taken advantage of. 
When I complained on the Comenity XXXX page a consumer referred me to contact your site for help. I hope that you can help me and shut companies like this down. I wish I would have done more research before using XXXX. I see that many thousands of other people are going through this too. 

Kind regards, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-22
Company: National Credit Systems,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: Investigation took more than 30 days

Complaint:
I filed disputes in regards to incorrect items on my credit report and sent a letter to verify items. It has been well over 30 days and I haven't received any response regarding the investigation results

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA
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:
15 USC 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 explanation
Consumer complaint received 2021-05-16
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30dayXXXX gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the XXXX you caused me.My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-03
Company: ALLY FINANCIAL 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: Account information incorrect

Complaint:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below.

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 2022-04-30
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CO
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:
Debt buyer Portfolio Recovery is reporting an account on my credit reports that was opened XX/XX/2018 in the amount of {$340.00}. When it's disputed they are not verifying the account just continuing to report. I was incarcerated at the time this account was supposedly opened and I want it removed

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
I have several ( XXXX ) inquiries on my account that are unauthorized and the credit bureaus will not delete inquiries

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 2022-08-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NM
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:
Upon reviewing my updates, incorrect information is being reported to my personal credit file. The XXXX, XXXX and TransUnion Credit Reporting Agency have not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. XXXX, XXXX and TransUnion have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following inquiries are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-29
Company: I.C. System, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have contacted IC Systems Several times regarding a negative item on my credit. I have asked for proper validation if debt. Im aware they purchased the debt from XXXX. However, this is a false debt from XX/XX/XXXX-XX/XX/XXXX. I returned all equipment to XXXX  and owe nothing. I have since been a member of XXXX which was done through a credit check. I owe nothing to XXXX and {$3000.00} would be extremely excessive even if i owed a bill for phones. Since they have not supplied me with proper verification of debt in a timely matter they need to remove negative information until they supply me with validation. How long has IC systems had this debt? When did they purchase the debt? I have received nothing from ic systems. Remove debt!! This is not my debt. If they have my signature on this debt I request proof. I have been a victim of Identity theft and my information was obtained through several different entities including the government hack in which my information was leaked and I was contacted by the office of personal management and given Free identity protection for years. I was also a victim from XXXX Glitch and XXXX breach.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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 a VICTIM of inaccurate/unverifiable/invalid/outdated and/or possibly even fraudulent misinformation. This denouncing of the mis-reporting/ mis-information affidavit is to assert my command that you, as regulated, produce physically counters fer federal laws of my disputes or accept and facilitate my request that you either delete/or block at a minimum the following unconfirmed / yet-affirmed/ outdated/ misreported/ merged/ unrecognized/ and-or fraudulent information from my credit record. I demand to be convinced ( as mandated ) that you can adequately evidence in requisite precisely how the misinformation come to take place if even at all, with my knowledge AND authorization in writing of any person/ persons/ or entities that might be irrefutably responsible or even that I factually received any money, goods, or services as a result of the disputed misinformation of INACCURATE MISINFORMATION/ UNVERIFIABLE & INVALID INFORMATION/POSSIBLY FRAUDULENT information and/or even possible of Identity Theft hence my utilzation of this manipulated Identity Victims Complaint and Affidavit

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 2021-06-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX XXXX and Transunion data breach and may have got into 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 2022-04-30
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:
I have an inquiry on my consumer report that should not be there " XXXX XXXX XXXX  XX/XX/2022 '', it has been on my consumer report for about a month now.

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 2019-11-19
Company: JPMORGAN CHASE & CO.
State: MN
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I am having difficulties closing my Chase Bank checking account. There is only one Chase Bank branch in the state of Minnesota, therefore I wanted to close this account without making the drive to the only location. There had been no activity on this account for two months as this account was not my primary checking account. 

Contacted Chase Bank via telephone on XX/XX/19 to close both a Checking and Savings account with them. Savings account was closed immediately by the representative with the balance transferred to the still open checking account. I was transferred to another employee to assist with closing the checking account. Customer service representative said the account would be closed immediately with the checking account balance of {$1800.00} was to be paid via check sent to my home within 5 business days. 

On XX/XX/19 ( 7 business days later ) the check had not arrived so I contacted Chase again via telephone. The account representative said the account had not been closed and check was not issued. This representative went through the same steps to close the account and promised me the account was closed and check would be in the mail the next business day. 

On XX/XX/19, I noticed via online banking there was a negative balance of ( {$29.00} ) on my checking account. A check had been issued from Chase bank in the amount of {$1800.00} ( greater than my current balance ) which caused my account to overdraft and go negative. I contacted Chase again on XX/XX/19 to question how this had happened. The representative was unable to explain how this error occurred and was unable to quickly resolve the issue. The account was still not closed and was unable to be closed because the account balance was negative. After 45 minutes on the phone speaking to multiple people, I was finally able to get a stop order was placed on the issued check with a new one for the correct remaining balance issued the next day. I was told it would be another 7-10 business days before the check would arrive. 

21+ business days to close a checking account is unacceptable. This is NOT a reasonable time period for the bank to hold on to my money. I am not confident that this will even be resolved without another phone call.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-07
Company: JPMORGAN CHASE & CO.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Bounced checks or returned payments

Complaint:
Chase is engaging in the practice of double deducting payments and double crediting deposits. I just tried to fix my last issue with them since they reverse a payment they were not supposed to causing my account to go negative. 

They gave me a credit on the double deduction, and a later realize that they double credit my account. Messing up my recordkeeping. 
This has happened at least 3 times in the last 6 months

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-19
Company: CCS Financial Services, Inc.
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whetherit 's a charge off? The balance is in fact wrong, please make sure to reverseit to XXXX or remove the item fully. Please also producedocumentation toverify all the charges and credits in this supposed account that caused to theextremely high credit figure you might have displayed on my account. My demand to present these records is a standard information demand in accordance with myrights honored within the fair credit billing act. If you fail to give these detailsper my civil rights petition, please make sure you quickly remove this specificwrong posting.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation