BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
The following items continue to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these items must be verified ( A ). I will bring legal action against you if you do not verify these items. To help this situation be settled as quickly as possible, kindly uphold the law. 
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 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 2023-05-27
Company: Netspend Corporation
State: TN
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble closing card

Complaint:
Well I received a text from NetSpend saying that a deposit of XXXX dollars was uploaded to my card ending in XXXX well I contacted customer service and was told that it was a fraud also was told that I didn't own a card like that well when I asked when this card was closed I was told a lot of garbage this I this isn't the first time I have had problems with NetSpend customer service about money being uploaded to my cards I have many cards the name of the company that uploaded to was XXXX XXXX XXXX  my money is being constantly spent with a lot of garbage being told that it was a spam so I do have evidence keep

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 2023-05-30
Company: JPMORGAN CHASE & CO.
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:
I write in response to a fraudulent Chase account that was opened using my name and social security number. I discovered this account on or about XX/XX/2023 when I went to lease a new vehicle. The dealership ran my credit report and informed me that a Chase card was adversely impacting my credit. I immediately called Chase to file a fraudulent application / account report. I was informed that I would receive correspondence confirming that the account was closed, canceled and removed from my credit report. I did not receive any such correspondence. When I called to follow up on the status of this matter, I was informed that my claim was denied and that I would be responsible for this account because a valid payment had been made on the account. I have never applied for nor had any Chase account. I do not know who made a payment on this account or that if the payment was valid or not. I am hereby demanding that Chase comply with its obligations under the FCRA and to remove this account from my credit report immediately otherwise I will no choice but to proceed with legal action. Thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-31
Company: EQUIFAX, INC.
State: MS
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:
This inquiry is not authorized and was done by that creditor without permission! You must remove this as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
These XXXX reporting agencies are reporting transactions or experiences between me and creditors making the reports but its stated in the law below consumer reports does not include transactions or experiences so I want all late payments removed from my report and and all closed accounts removed as soon as possible because they are currently giving me a hardship in my life. 




15 U.S. Code 1681a - Definitions ; rules of construction ( XXXX ) Exclusions.Except as provided in paragraph ( XXXX ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ( ii ) communication of that information among persons related by common ownership or affiliated by corporate control ; or ( iii ) communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information XXXX be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated, to direct that such information not be communicated among such persons ; remove all closed accounts and any accounts that causes harm to my credit report now as on XX/XX/2023 this law below made by XXXX gives me as a consumer that right and protection from these consumer reporting agencies 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( b ) Opt out ( XXXX ) In general A financial institution XXXX not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information XXXX be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

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 2023-06-11
Company: Resurgent Capital Services L.P.
State: MI
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 sent 609 letters to company requesting proof of debt and there has been no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-18
Company: Bridgecrest Acceptance Corporation
State: AZ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
I have spoken with several people over the past few weeks to help with my loan repayment and hardship opportunities available to me as a consumer. This company has made statements of helping and then went back on their word and absolutely refuse to offer any fianancial hardship assistance. This is a breach of contract. I am eligible and qualified for hardship deferments and they are refusing the grant that request after I have been told that it would be done and completed. They are forcing me into repossesion. I am having a hard time speaking with any one that is willing to help. I have to ask them to go back and listen to the calls. Then they still don't honor the misinformation and argue with me about repaying my loan. I have had issues with this company in XXXX  for this same reason and they never responded to the complaint. I seek to be made whole. and my hardship deferment honored. I was asked to pay a certain amount to avoid that repossesion in XXXX and then they would do a deferment. They are now refusing to honor that deferment in which I legally qualify for.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-21
Company: WELLS FARGO & COMPANY
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
Hello when I had a Wells Fargo account I was hit with a lot of fees and when I tried to Het some of them dismissed Wells Fargo was not accommodating I ended up leaving and going to chase. Ive since found out about the class action lawsuit and believe Im eligible to be reimbursed some of these fees.

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 2023-06-11
Company: CL Holdings LLC
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
This company bought a collection account from XXXX XXXX that has been in collections since XXXX but they are report it as XXXX XXXX XXXX with XXXX and XXXX. I have contacted the company serial times with no reply. This collection is over four years old but they are reporting it as if it's a over a year old.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-11
Company: Block, Inc.
State: MO
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting, activating, or registering a card

Complaint:
A year ago I ordered a cash app card. The card came but I was unable to activate.Contacted company they asked me to send in verification of my address. I've sent verification 4 times. I never get a response after I send verification and They still will not activate the card.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-11
Company: Resurgent Capital Services L.P.
State: CT
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
LVNV XXXX  knows I am an identity theft victim, They have repeatedly readied fraudulent debt to my XXXX credit report. I have had all my consumer rights violated repeatedly by this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-11
Company: JPMORGAN CHASE & CO.
State: MO
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
On XX/XX/23 I notified Chase bank that my wife passed away on XX/XX/23 and I was there to close her accounts. I provided them with a death certificate and was told I was not a beneficiary on her accounts. As instructed by an attorney, I filed an application of surviving spouse for refusal of letters with the circuit court in my county. It was granted. I submitted that document to Chase bank in person on XX/XX/23. I was told I would be followed up within XXXX. That never happened. I called the bank manager on XX/XX/23 ( XXXX MO ) and was told the matter would be escalated. I was not contacted. I submitted a demand letter to Chase bank on XX/XX/23. I still have not been contacted.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-11
Company: Global Lending Services LLC
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:
Global Lending Service did not furnish me with a form XXXX after the alleged debt of {$5500.00} was charged off from an auto finance account in my name. It is to my understanding that once a creditor charges off an account, that they receive a tax deduction for the charge off amount when they file their taxes. That in turn converts the amount owed from an alleged debt, into earned income, which has fraudulently been reported to the consumer reporting agencies as charge offs, which misrepresents the amount charged off as alleged debt owed, instead of earned income, which is being fraudulently reported to the credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-23
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
They closed my account when I told them their was fruad activity and never reburst my funding..

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 2023-06-11
Company: GOLDMAN SACHS BANK USA
State: FL
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/2023, I obtained a car insurance quote from XXXX  online thru XXXX Within a few minutes I was dissatisfied with the new Police and called XXXX  to cancel it. The XXXX Car Insurance Policy effective date would have started on XX/XX/2023. Since my current XXXX Policy was due to expire on XX/XX/2023. 
I contacted the Apple Card - card I used to make the payment in full of {$510.00} and they started a dispute on the charge. 
As of today, Apple Card is holding the {$510.00} against my credit balance and XXXX has informed me that they never received the {$510.00} because the payment was declined by Apple Card on XX/XX/2023. 
Apple Card sustains that XXXX received the payment of {$510.00} on XX/XX/2023.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-11
Company: EdFinancial Services
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem with product or service terms changing

Complaint:
The school cited multiple reasons for closing, includingincluding declining numbers of cosmetology students nationwide and a growing negative characterization of for-profit education. 
received notification on Wednesday evening, XX/XX/2016, that XXXX XXXX XXXX was permanently closing its doors at all XXXX campuses. 
XXXX loans were taken out from XXXX and they are now called EdFinacial Servicee and U.S. department of Education. 
Contacted all 3 services providers and department about the matter also contacted all 3 credit bureau 's and this matter.

Nothing has been resolved as far as to removing this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-11
Company: Experian Information Solutions 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:
As I was getting ready to apply for a student loan with XXXX XXXX, I glanced over my credit report to observe my consumer report, I noticed a few fraudulent and inaccurate accounts that are reporting to my name that should be removed off my consumer report. I am absolutely terrified that someone out there has my information and has been using it. This has been making my life absolutely XXXX. I am unable to get access to certain things out there because the fraudulent information is destroying my credit. Please help me, this is extremely scary and uncomfortable situation.

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 2023-06-12
Company: CL Holdings LLC
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
This company has wrongfully added a derogatory mark on my credit. This account is passed the statute of limitations. This company is not the original creditor and has been sold to another company who has bought the debt and now I no longer owe it. The statute of limitations is 4 years and its has been XXXX. Please remove from my credit. Or prove I owe the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-11
Company: MRS BPO, LLC
State: MT
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:
In XX/XX/21 I was sent to collections by XXXX  which was for and account that was not mine They refused to do anything about it or give me any information other than the address for the account that I did not open and I had never lived at that address. 

Once in collections, I disputed the debt through each of the XXXX credit bureaus and the debt was removed from my credit report until recently. 

On my XXXX report the debt has shown up again. I have disputed it both times and they say that the account is mine. They even added the address of the XXXX  account to my credit report. 

If the debt wasn't proven to be mine during the first round of disputes, why would it stay on my report now and why is XXXX the only bureau it is able to get onto?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-12
Company: Chime Financial Inc
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
Hello, My Chime account was closed after they locked it on XX/XX/22, I have yet to receive the funds from my account. I was told I would be getting them at the end of XXXX. It is now been six months since I was too have received the fund. Secondly, they have been reversing charges from vendors that I paid months and months ago to a company and now I owe {$430.00} and possibly more chargebacks were done without my knowledge. now they are saying they won't give me back my balance or anything at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-12
Company: Navient Solutions, LLC.
State: TN
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I have a spousal consolidation FFEL through Navient with my husband as the co-signer. We opened account in XXXX, still married, and have been paying every bill until we were granted administrative forbearance in XX/XX/XXXX while we wait for Federal Student Aid to implement a way for us to separate our loans. Our forbearance has been extended 2 times, 60-days, and will come to an end soon. In our case, we have both worked at US public higher education institutions since XXXX, and we qualify for PSLF under the limited waiver that ended XX/XX/XXXX. We have submitted what we had to by the waiver deadline, and other have confirmation from Federal Student Aid that they have received what we needed to submit to them. 

In XX/XX/XXXX Federal Student Aid announced that the procedures regarding separating spousal loans will not be put into place until end of XXXX, and loan holders are encouraged to contact their servicer to obtain forbearances. Navient apparently created a company-wide policy for not allowing administrative forbearances for FFEL joint consolidation holder because Navient is waiting for a direct communication from Federal Student Aid. On the phone and through chat communications ( on XX/XX/XXXX ), Navient would not tell me what form of communication they are waiting to receive from Federal Student Aid, and when I asked whether they need communication regarding my account or a general communication they told me general communication. I have attached the chat transcript. 

I filed a complaint with the Federal Student Aid Ombudsman 's Office on XX/XX/XXXX, and they have already closed my case without communicating with me an outcome ( Feedback Case # XXXX ). I called FSA ombuds and they told me that my name is now on a special list, and that the information on https : //studentaid.gov/announcements-events/joint-consolidation-loans is the direct communication to loan servicers. 

It seems conversations between Navient and FSA are going into a never ending cycle, and as a consumer we are caught in the middle with the least power to move things in a manner to be treated fairly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Checking or savings account
Sub-product: Savings account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
- XX/XX/12 XXXX -- I disputed transaction and nothing happened

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: GA
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:
I want to permanently remove my name from the list that Consumer Credit Reporting Companies, XXXX, Equifax, XXXX, and XXXX, provide to businesses that send firm ( pre-approved/ pre-screened ) offers of credit or insurance.

Company response to consumer: Closed with explanation