BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-04
Company: JPMORGAN CHASE & CO.
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I put in a stop payment for {$300.00} two days prior to them processing the payment. I was a bit unsure what the check number was and i informed the representative of that. I had 2 checks with me so I let the representative know I wasnt sure of the number. So he says a check number and it had to be the one he said or 1 other. So me thinking he can see the missing check number I agree with him two days later they process the check. They said the wrong check number was on the stop payment. I let them know how everything happened I was going back and forth with them for weeks. My husband spoke with a supervisor and he credited us back the XXXX. They have recently took the XXXX back now my account is negative. My husband was also scammed by a man he was working for he paid him with a fraudulent check now they are holding us responsible now they are threatening to close out account. They also approved a claim for my husband and I for XXXX in XXXX now its XXXX and they are just now saying something

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
The following companies have placed hard inquiries on all three credit bureaus without my consent, knowledge, or authorization and I do not have any accounts with them or have done any business with them. Please remove these inquiries as soon as possible. I have contacted these companies via certified mail but no response or action from their part has been taken. 

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 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

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 2022-07-29
Company: TRUIST FINANCIAL CORPORATION
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I'm unable to make a Principal Only payment through the website or the Mobile app. 

On the website, the option is not available. 

In the mobile app, the option is available, but disappears once I select a payment method. 

I called in to Customer Service XX/XX/2022 XXXX AM and spoke to multiple people. None of which could resolve the 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 2022-12-05
Company: Fidelity National Information Services, Inc. (FNIS)
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: Information belongs to someone else

Complaint:
I am a victim of identity theft and Chex Systems has a current police report on file with my Chex Systems Consumer Report ID : XXXX. All the reported information and inquiries viewed by others from XXXX XXXX to XX/XX/XXXX currently listed on my Chex Systems Consumer Report ID : XXXX is fraudulent and unauthorized inquiries viewed by others. I have not applied for any checking or savings accounts with any bank or credit union. The credit inquiries from XX/XX/XXXX to XX/XX/XXXX is not my inquiries viewed by others or reported information. The reported information of me having a previous checking account with XXXX XXXXXXXX XXXX  and XXXX XXXX is inaccurate and fraudulent checking accounts. I have never applied for or had any checking account with XXXX XXXXXXXX XXXX or XXXXXXXX XXXX. Full Name : XXXX XXXX XXXX, XXXX : XX/XX/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 2022-07-04
Company: Netspend Corporation
State: FL
Product: Credit card or prepaid card
Sub-product: Payroll card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting, activating, or registering a card

Complaint:
I lost and reordered my payroll card with skylight netspend XXXX. The card was supposed to come by the XX/XX/XXXX and i never received it amd im not able to get in touch with customer service. I was forced to pay hundreds of dollars of fees send myself westsrn union in order to access my money.

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 2023-08-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 2022-07-29
Company: Experian Information Solutions Inc.
State: MS
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-29
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN
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:
I do not dispute that the account is paid off in full late. I dispute the inconsistancies in your credit reporting to the different agencies. My account is paid off and paid in full. You have reported false information dollar amounts to all three credit agencies. You can not update because I brought this to your attention. You should have known that your reporting is inaccurate across the three agencies. you have to delete. 
accoding to 15 US CODE 1681 ( a ) ( G ) ( A ) In general ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer ( ME ) and the consumer notifies the agency directly, or indirectly through a reseller ( CAPITAL ONE ), of such dispute, the agency ( CAPITAL ONE ) shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status ( CLOSED ) of the disputed information, or DELETE the item from the file in accordance with paragraph ( 5 ) ( INACCURACIES ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-23
Company: Experian Information Solutions Inc.
State: FL
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:
This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-11-16
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
On XX/XX/ I sent a dispute letter to XXXX along with my ID I received an email on XX/XX/ that it does not appear to be sent by me. I did send the letter and I feel that they are violating my rights by stalling and not having to look into the account. This is not the first time XXXX has done this to me. These are the dates that I sent the dispute letters on 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 explanation
Consumer complaint received 2023-08-14
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:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2018-06-01
Company: Ad Astra Recovery Services 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:
I reached out to AD ASTRA collection company due to seeing their number listed on my report. The first thing I noticed is they are reporting on my credit report under " XXXX XXXX XXXX  XXXX '' but when I call their number they say the name of the company is AD ASTRA. I sent A certified letter requesting debt validation as they have two accounts listed with open dates XX/XX/12 & XX/XX/2012 for A place by the name of XXXX XXXX. I have informed them via writting and over the phone that I have never done business with such company. And I requested That they send me debt validation showing original contracts showing that I had an contractual obligation to this company. Which they refused to send me. When I called the representative informed me they do not have to give me that information and if it wasn't me then they wanted me to send them A police report in order for them to look into this account. Their representative was very nasty and unwillinging to help. She continued to say things like " Your accounts '' when I repeatedly informed her those accounts where not mine and I have never agreed to business with such company. I asked to speak with A supervisor and was informed by the supervisor that they could not send debt validation unless I request so in writting ( Which I have already done ) She explained they didn't receive the request and I would need to send it again. I have been reauesting this information for some time now and seem to be at A dead end with this company. I also asked since AD ASTRA are the ones reporting on my credit report why where they reporting under A different name? This company seem like A scam! I am requesting legal original contracts validating this debt with my signatures or for this to be fully removed from my credit report or I will escalate this even further.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-14
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: Problem with personal statement of dispute

Complaint:
I have requested I vestigation 3 times already ; see below my most recent : XXXX XXXX XXXX and XXXX XXXX XXXX. 
We need all accounts Verified that are listed on your companies reporting! 
Fair Crediting Reporting Act 609 ( a ) ( 1 ) ( A ) as you are required by law to verify. Through physical verification of the ORIGINAL signed contract. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX -U.S. Bankruptcy Court XXXX XXXX  Otherwise anyone could send in a fraudulent claim or report especially if paying for your services. 
Your negative reports without verifying has hurt me and my ability to obtain credit. 
FCRA states unverified accounts must be removed. 
I have asked three ( 3 ) times, now I demand verification in the next 72hrs or I shall report your company. Date XX/XX/2023 ; you have til midnight XX/XX/2023. Without recourse. By : XXXX XXXX, beneficiary and by : XXXX XXXX, beneficiary

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-23
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is XXXX XXXX and I am submitting this CFPB complaint to you today to address the negligence, incompetence, and indifference of the Credit Reporting Agencies. I have been disputing my Credit Report for over a year now and the accounts I have been disputing were the results of my identity being stolen. Under the FCRA section 605b, the Credit reporting Agences are required to remove any account and information not later than 4 business days after the day of receipt of the disapute letter. I started sending dispute letters addressed to the Credit Bureaus on XX/XX/XXXX and the last letter I sent was dated XX/XX/XXXX, all letter having the complete attachments of my personal identifying documents and ID THEFT REPORT I received from the FTC. But despite all these, the Credit Bureaus have failed to comply with the request and have been negligent of the FCRA statute. The Credit Bureaus have kept reporting the disputed items without sending me copies of documents bearing my signature to prove their claims that the disputed items belong under my name. This action made by the Credit Bureaus is a clear violation of the FCRA section 605b, a federal law, which is punishable by law. I am submitting this CFPB complaint to request that the Credit Bureaus remove the following fraudulent items completely from my Credit report, if the Credit Bureaus chose not to comply with the request, it leaves me no choice but to initiate legal action : XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXXXXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX Balance {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-08
Company: Experian Information Solutions Inc.
State: NC
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:
n accordance with the Fair Credit Reporting act XXXX XXXX XXXX  Account # XXXX, has violated my rights. 

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-04
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:
My name is XXXX XXXX and I am submitting this complaint without any outside influence.

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 2022-09-24
Company: DISCOVER BANK
State: FL
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:
Discover has falsely reported the available credit to the credit reporting agencies for months and not updating when balances have been significantly reduced. I have attempted to have Discover resolve this and there has been no update they claim they have made. This affects both my wifes and my ability to apply for credit and show could credit growth.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-02
Company: Duvera Billing Services, LLC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
In XX/XX/XXXX a dog was purchased using my information. I discovered this in XXXX of XXXX. I then found other accounts that had been opened using my identity. XXXX XXXX sold this debt to Duvera. I have been disputing and fighting this debt since then. I reported the identity theft and had this account removed from all XXXX credit reports. XXXX has now added this back twice to my account with no notice given to me. I have requested the information regarding this debt to be sent to me on XXXX different occasions from XXXX and Duvera. Neither has supplied this information to me. I did not open this account, I do not know who opened this account. I have reported this to the local police department and the FTC. I have an identity theft and police report regarding the identity theft. I have done everything I am supposed to, but have not received any information from this company.

Company response to consumer: Closed with explanation