BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-12-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
I am having issues with the incompetency of the credit bureaus with my investigation and reinvestigation of my inaccurate information on my credit report. Not only have they failed to provide a proper investigation, but they have failed to provide the documentation to prove the method of verification and documentation used to " verify '' my accounts, as allowed to me under sections 1681 and 609 of the FCRA. Congressional opinion in many lawsuits, specifically XXXX vs. TransUnion, states that the law is verify clear in that once I notify the bureaus that I have inaccurate information on my credit report, they must investigate the accounts AND they have to verify the information received by the data furnishers. Once I notify them that the results are still not correct, they are in a different place than before and MUST reinvestigate and go beyond the original source of information. The effect these negative inaccuracies are having on my credit far outweigh any cost associated with investigating these accounts, and Congress states that I am in the right when I state that there must be a reinvestigation. Sending me a letter stating that no reinvestigation will be taken unless I provide further information from data furnishers, courts, etc. and that I must resolve the issue with the creditors myself is a clear violation under the FCRA. Stating that their organization is not a mediator, will not provide any documentation used to verify said documents or refusing to reinvestigate are further violations, as they bear a GRAVE RESPONSIBILITY to ascertain that these accounts and all other information on my credit report is accurate. They have failed to do so.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-23
Company: Netspend Corporation
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Unexpected or other fees

Complaint:
I woke on  XX/XX/XXXX  to a text message from  Net Spend   XXXX   XXXX   detailing there is a problem with my debit card, please call before using the debit car d. Two  and a half hours prior to this text the monthly {$5.00} fee for  my Elite a ccount benefits  (  overdraft, cahs back, ect. ) was deducted from my account. I called and was notified that my account had been closed due to the other name on the account being deceased. I had reported  XXXX   XXXX  deceased the first time in Fall of  XXXX , and have repeatedly requested the removal of his name over the past 3 years. Each time I was told " It is ok, do not worry, but we can not remove his name. Just ignore it. '' I did, but now I am cut off from my money. I am being told that I must purchase a new card at my own expense, wait the month long waiting period for my account benefits to be reinstated, and the 7 years of customer history is now gone. My money is still in the closed account, and I am not being offered a way to get the money other than a check in 14 days. My auto-pay for my rent is du e in four days,  infact all my auto-pay bills are due on the  XXXX  of each an every month. I was not provided any warning to prepare for this closure, and now I could face eviction due to my rent being stuck on this card. I do n't have the cash on me to purchase a new debit card. I asked about sighning up for one online, and was told no. I was told that I must purchas e one in a ch eck cashing store at my own expense. I asked about transfering the funds to my  XXXX  College debit card that is still active, and they refused. I am told simply, " We have closed the account due to the deceased person on the account, and we will not be able to rectify this problem in any way, shape, or form. '' After two and a half hours I was hung up on by the company. The account is also locked online and I have no access to 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 2020-03-31
Company: Experian Information Solutions Inc.
State: VA
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:
XXXX XXXX I sent a dispute to Experian Credit Reporting agency to dispute error on my credit report. I understand the investigation can take anywhere between 30-45 days ; with in that time frame I still have not received any response. I sent another letter Dated XXXX XXXX with in detailed advising that I did not receive an response from my previous letter & listed the items that I am disputing with more details of the dispute. 

Today is now XXXX XXXX I still have not received an response / update of the investigation.

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 2017-05-23
Company: AMERICAN EXPRESS COMPANY
State: FL
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 rewards from credit card

Complaint:
I opened my own business about 3 months ago and took out  an American Express Business Gold  card, based on the promise that I would receive  XXXX  bonus points if I spent more than {$5000.00} during the first three months. I spent the {$5000.00} but noticed my points balance remained at  XXXX . Today,  XXXX   XXXX ,  2017, I  contact ed American Express  about this issue and after being bounced around  to 4 pe ople, was given every excuse in the book ( i.e. the program has ended, the promotion was for either no annual fee the first year or the points and you chose the no annual fee, etc. ). I told them my partner had taken out his card around the same time and got the points, that even as I spoke to them on the phone I could access their website offering the promotion, that there was no option of which promotion I would select ( and if there was I would obviously take the  XXXX  points over a {$170.00} annual fee waiver ), but nothing seemed to matter. I then told them I wanted to cancel the account, which I did. I believe that these kind of bait-and-switch campaigns must be confronted as many people do not have the the time or energy to deal with it, and will simply ignore it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-31
Company: SYNCHRONY FINANCIAL
State: TN
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: Card was charged for something you did not purchase with the card

Complaint:
I am a victim of identity theft through Paypal credit card issued through Synchrony Bank, and have reported this via a FTC Identity Theft Report. After much work on my part, the company appears to have finally closed the account ( after a five month delay ). As is my right under Section 609 ( e ) of the Fair Credit Reporting Act, I have been seeking records relating to the fraudulent account from Synchrony Bank and Paypal since XXXX, XXXX. I have written letters to them on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. With each of these letters, I enclosed the required documentation, including police reports, proof of identity, my FTC Identity Theft report, and account numbers. I have telephoned them multiple times, including on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and others. Each time I inquired about this issue, the service representative specified a different address to which I should send my letter. I followed their instructions about sending the documentation and used the addresses they provided to me.They have ignored my demand for this information and have not provided any rationale for their lack of action. I demand that they send to me all records they have about this fraudulent account, as is my right under Section 609 ( e ).

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 2015-10-26
Company: JPMORGAN CHASE & CO.
State: OH
Product: Credit card
Issue: Billing statement

Complaint:
This has to do with a Chase/Freedom card I have linked to my Chase checking account, primarily for overdraft/cash advance purposes. On XXXX/XXXX/15 I incurred a cash advance of {$1300.00}. When I received the card statement in the mail, it indicated that I had a balance of {$1300.00} ( advance + interest ) due on XXXX/XXXX/15. I set up an autopayment of this amount via Chase 's online system for that amount to be paid on XXXX/XXXX/15, which was done. Then I received another statement indicating I still owed {$18.00} on the account even though I had paid off the balance indicated on the previous statement. I attempted to work through Chase 's customer service to get a credit for the {$18.00}, to no avail. I asked them this question, and could n't get an answer : " How do I ever know what my 'official ' balance is, if the balance on the statement is not correct? ''

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-03-18
Company: ALLY FINANCIAL INC.
State: MI
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
i purchase a vehicle from ally financial the total of the car {$9300.00} without taxes and interest added so after everything was added i finance {$10000.00} for the car it self and then it was {$2500.00} added for finance charges for the 48 month loan which brought my debt to {$13000.00}. paying {$280.00} a month for 24 months which totals the {$13000.00} ... now my issue is that my car got totals 19 months in have the loan.. so the insurance only paid off {$6600.00} the blue book value.. and after what i paid i got a bill in XXXX XXXX saying i owe them XXXX balance and at that time i was told my next payment was n't due until XXXX XXXX because they calculated the payments as advance payments.. but they did issue another bill in XXXX fixing the error saying my next bill was due in XXXX XXXX for {$280.00} prior before that on XXXX XXXX XXXX i start paying them {$15.00} a week just to be paying towards the bill so now i have paid about {$200.00} towards that bill, so i call in so they could subtracts what i had paid so far but they act like they had n't got any payment from me, so i kept paying up until XX/XX/XXXX because they would never acknowledge my payment so i stop paying them after reading my contract say my payments could be cheaper if my car got paid off early, so i inquire about that, but they would n't give me no information on that ... my contract charge me {$2500.00} for 48 months so if i paid it off in less then 24 month i should n't have to paid the full interest, they should 've have gave me a paid balance subtracting some of the interest, how can they still charge me for the 48 months interest when the car is almost paid off plus they where charging me a daily interest as well they said, i have all my receipt could you please inform me if they can continued to charge me for the full interest if i paid them off early, plus they have not subtract what i been paying weekly, i sent then a copy of my bank statement showing what they where taking out my account.. please help they are robbing customer taking extra interest from customer ...

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 monetary relief
Consumer complaint received 2016-10-25
Company: Diversified Consultants, Inc.
State: GA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
Today I got a message from a Bank lender saying that i had a debt collection note from Diversified Consultants on my credit report. I called them and I asked if they send any information or called me regarding this issue before putting the collection note on my credit report and they said no that they did n't have current information. I told them that I needed that note deleted and they said it is submitted we cant to anything. 
At this point I have a note dispute on XXXX, XXXX and XXXX. I also filed a complaint for XXXX on FTC. It is unbelievable how companies destroy people records without any care. My credit score is today XXXX points lower due to this issue. This is abuse and it should be investigated and punished.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
Product: Debt collection
Sub-product: Mortgage debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint:
Bank of America ( third-party debt collector ) continues with their harassment practices after I wrote them to STOP contacting 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 2022-09-15
Company: PCR Group
State: DE
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 15 U.S.C 1681 and Fair Debt Collection Practices Act 15 U.S.C 1692 Account Adjustment Bureau 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 : Its also states a consumer reporting agency can not furnish a account without my written instructions. 

Account Adjustment Bureau # XXXX has been reporting inaccurate information to my credit report for almost 7 years now and violating my rights, I have never given Account Adjustment Bureau permission to furnish anything on my credit report. Account XXXX is reporting {$5000.00} on my credit report which is incorrect. Ive disputed this before with XXXX as well as provided documentary proof that this company Account Adjustment Bureau is reporting false amount according to the IN THE JUSTICE OF THE PEACE COURT OF THE STATE OF DELAWARE IN AND FOR XXXX XXXX COURT NO. 16. I demand Account Adjustment Bureau to immediately cease reporting the incorrect account to my credit report and remove the item from my credit report or I will file for litigation from the stress this company has caused me for almost 7 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I do believe that this company has not delivered the service agreed upon in the contract. I told them that I would not be able to continue to bind agreement to this contract in such that I had to subside to the issue of the benefactors that have enabled my immediate provision and the monetary trade of this due process was not feasible under my most urgent concern at the time of the arrangement. I was not in a position to utilize this program at the times availed to me, due to the due party not providing a convenient and feasible housing constraint for me to utilize at the times that were subsided for me at the times of availment. I need this incorrect information removed from my credit report as a result of the circumstances at hand.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/2022 I was offered a job as a data entry clerk for a company named XXXX XXXX. They gave me a check of XXXX to purchase equipment and they gave me a XXXX number to send the money to. My bank XXXX Bank of America ) provided me with the money before actually processing the check. The next day the bank refunded the check taking XXXX from me leaving my account- {$1300.00} plus dollars. They told me that because I was scammed they were unable to help me and the other bank was not cooperating with send the money back to my account for them to retrieve. Now Bank of America took money from my sisters account ( because we are both under my moms account as students ) today XX/XX/2022 and applied it to the negative balance that was left in my account leaving my sister with zero dollars in both her checking and savings account. They told me they could not transfer the funds back to her account. If possible I would love for my sister to be able to retrieve her money back and I would love for the other bank to give Bank of America back the {$1900.00} so I can get my {$600.00} back also.

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 2017-02-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
Transunion lists a collection account on my credit report from XXXX for XXXX XXXX. This account was paid in full before ever being sent to collection. I have all of the documentation, and yet when I filed a dispute with Transunion, they responded less than two weeks later stating that the collection account and balance due is accurate. They did not ask for any documentation.

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 2020-03-31
Company: CITIBANK, N.A.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Citibank account was opened in XX/XX/1999. The account has been paid and is closed. When looking at the line item on my credit reports, it has no date listed as to when this account will be removed from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-31
Company: IQOR US INC
State: AL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Original debt was with XXXX XXXX  ; subsequently, turned over to Allied Interstate LLC, a collection company. I closed my XXXX account, I requested and paid the remaining amount due over the telephone, and sent my equipment back as contractually required. XXXX  continued to bill me after all equipment had been sent back to them. XXXX  has recorded calls concerning this issue.

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 2017-05-23
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I have disputed mul tiple Portfolio recovery acc ounts on my credit it was deleted and put back on my credit. I ask them to validate the debt with signature they havent provided me with no proof of this debt. This is the second time i reported to your company for violating. They have agreed to remove it from my credit report it has been a month nothing has happen.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Hard pull on my credit report by XXXX on the XX/XX/2016 Transunion recommends contacting : XXXX XXXX, Tennessee, XXXX I did not Authorize this credit pull Concerned it may be fraud XXXX ca n't reference without a account number

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 2015-03-31
Company: Federal Pacific Credit Company, LLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
This company continues to report on my credit report after I sent them a letter telling them that this account was not mine and I have no idea what it is or who it belongs to! 

I asked for proof of a signed contract, I asked for a license to collect in my state, I asked for copies of all information referenced for this debt and still to date, I have not received anything but harassment from this company! 

THIS IS NOT MY DEBT! 

I WANT THIS ACCOUNT REMOVED FROM MY CREDIT REPORT AND THIS COMPANY TO STOP CONTACTING ME IMMEDIATELY!

Company response to consumer: Closed
Consumer complaint received 2016-09-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting
Issue: Credit monitoring or identity protection
Sub-issue: Problem with fraud alerts

Complaint:
Transunion applied a fraud alert on all of my credit files that i did not request. This has caused me to be denied for a credit card that i applied for. I did not request this i did not ask Transunion to add an alert to my files. I want this and the request from the other files to be removed immediatley.

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