BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-03-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
I called all three consumer reporting agencies about an erroneously reported item on the public records portion of my credit report. The item concerns an incomplete and incorrectly reported judgment from when I filed a countersuit against a landlord ( actually I attempted to file first and she beat me to it ) for improper withholding of a depost and an improper lease. I won the judgment in XXXX Co Special Civil Part - I have a copy of the judgment and a copy of the credit invoice to the plaintiff - a realtor. I spoke with a Indira in the XXXX XXXX Post Judgment Team - who confirms that the court records reflect XXXX XXXX the plaintiff as being held accountable for the judgment and that I won the judgment. Somehow the entity furnishing the information to XXXX, TransUnion, and XXXX has not been accurate and is not being held to any accountability for the accuracy of this report. I contacted all three credit agencies to include TransUnion. The Transunion website wo n't let me enter data - keeps coming up with an error message ( I have a copy ). The transunion online automated reporting system keeps hanging up on me - two hours I 've spent out of a busy day. I am a XXXX - the reason I was even in the aforementioned rental property - and I am trying to run my XXXX. I applied for a loan. My credit is fairly good - and could be great if there was not this GLARING inaccuracy on the reports. The credit reporting agencies have a very flippant and avoidant attitude towards this issue and other ones like it. We are held accountable through financial penalties for processes and issues which may or may not be accurate- while it seems the the agencies and their clients who are paid to report the information to them ARE NOT. This is hurting my credit score and my credibility in general. These are very trying times to start a business of ANY sort in the US and this has been an incredible drain to try to get this recognized and reported correctly. XXXX just has noted the matter as " settled '' on the report - also reflecting that I LOST the judgment. Transunion is not even letting me report it. And XXXX states it has to check with its private vendor of the information even though I sent in the statement of judgment from the court, from my lawyer, and a copy of the entire judgment received from XXXX County Special Civil Part for the docket in question.

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 2021-01-14
Company: I.C. System, Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information is incorrect

Complaint:
I C System or XXXX XXXX appears as a collection agency on behalf of XXXX with a claim for a balance owed of {$5500.00}. I have never had a XXXX Account and I owe nothing to them. The claim was opened in XX/XX/2020, but I never had a XXXX Account ever.

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 2016-02-25
Company: AVANTE
State: GA
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I was XXXX in the military when I went to the hospital in XXXX XXXX. The hospital failed to submit the bill to XXXX ( my insurance at the time ) in a timely manner. I contacted the hospital and XXXX to resolve the debt. From my understanding it was paid. I was then contacted by a debt collector ( XXXX XXXX ) in XX/XX/XXXX after they reported it on my credit report. The debt was resolved and removed from my credit report. Almost four years later, just recently in XX/XX/XXXX I was notified that the debt was bought from XXXX by Avante and the debt was still valid. I disputed it and asked for verification and they reported it on my credit report and reaged the debt to XXXX/XXXX/XXXX. I contacted the hospital and they said there is a zero balance on my account and it is too old to offer any additional information. I contacted XXXX as well and they too said that the debt is more than five years old and they also do not have a record.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-16
Company: Sessoms & Rogers, P.A.
State: NC
Product: Debt collection
Sub-product: Credit card
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint:
XXXX is trying to sue me for a debt that the sol in NC has run out it run out XX/XX/XXXX i do n't have a contract with them these people do n't stop look i just had my XXXX took off and recovering from XXXX XXXX now they saying i have to be in court XX/XX/XXXX police have n't gave me anything please help me thank you XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-08-31
Company: Bayside Capital Services, LLC
State: TN
Product: Debt collection
Sub-product: Payday loan
Issue: Taking/threatening an illegal action
Sub-issue: Attempted to/Collected exempt funds

Complaint:
For the past three months, I been getting calls from a XXXX number claiming to collect a debt. They do n't call once a day, they call all throughout the morning, afternoon, and night. So finally I answered and a rude guy named XXXX XXXX answered. He goes on to say I owe XXXX and they were going to serve papers that day. When I was trying to explain what happened from preventing me to pay that bill. He got smart and loud with me talking to me like I 'm stupid. Around that time of getting a loan, I was a victim of identity theft so a lot of things had to close like my old bank account and a hold on my social. He claims I had bounced checks etc, but remind you I 'm telling him about my identity theft, but he was so inconsiderate and still was getting smart. So I made payment arrangements so the papers would n't be swerved but on the other hand he ( XXXX XXXX ) is still making harrassing phone calls saying random things.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-14
Company: JPMORGAN CHASE & CO.
State: NC
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
hi, I have made a wire transfer from chase bank on XX/XX/XXXX, which as per chase scheduled to be delivered on XX/XX/XXXX. However it never went through on XX/XX/XXXX. So I called chase customer care XXXX multiple time and was on call for more then 8-10 hours. But everyone was transferring me from one dept to another department. They direct me to Fraud department, wire research etc and everyone was telling me different reason for holding the wire. Incorrect information, In -internal review, in foreign exchange review etc. 
And I see email requesting for more information on XX/XX/XXXX asking XXXX address and name. I provided that in secure email of internet-banking site on XX/XX/XXXX. But again today they keep asking same piece of information. But no one called me. it all happened between XX/XX/XXXX till XX/XX/XXXX. 
In mean time they also say contact to branch it is faster way of escalation. So I contacted branch on XX/XX/XXXX. Branch manger XXXX was very hostile on helping me out. He think, I don't have any relationship with branch. He should not be pulled in between. After asking him multiple times for resolution. He suggested to cancel the wire. After cancelling chase refused to refund me the wire fee also, which they never did. 

Moreover the behavior and mental torchers, I have been in these day also the financial impact, I have faced due to this transfer they are refusing to compensate me on top of it the are charging the wire fees they never did for me.. I feel like this is an fraud activity and lack of responsibility and accountability from bank. 

I want to report to correct the behavior of bank and return my wire fees of {$25.00} and compensate me on the lack of due diligence on bank side. 

Below is wire details XX/XX/XXXX Submitted XXXX XXXX XXXX XXXX Wire to XXXX XXXX XXXX ( ... XXXX ) Wire from XXXX XXXX ( ... XXXX ) Amount {$3400.00} USD ( U.S. Dollar ) Wire fee {$25.00} USD ( U.S. Dollar ) Total {$3400.00} USD ( U.S. Dollar ) Wire date XX/XX/XXXX Status Submitted Status date XX/XX/XXXX Reference number Not applicable Transaction number XXXX Message to recipient XXXX XXXX XXXX XXXX XXXX NC XXXX Message to recipient bank XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-14
Company: Square Inc
State: OH
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
In XXXX of XXXX, my XXXX year old grandmother received a CashApp credit card in the mail which was fraud. She does not have a mobile phone or computer and she did not open this account. My mom, who is a senior and her Power of Attorney filed a police report and attempted to call and cancel this account. 

CashApp does not have a customer service number to call and report fraud accounts. Since you can only contact them via email, I filed a complaint under my CashApp acccount with detailed information which included my grandmothers fraud CashApp name and explained that the account was fraud and needed to be closed ASAP. I went through multiple emails and received a response that the account was closed. To complete the Identitytheft.gov process and attempt to figure out who opened this account, my mom who is her POA requested detailed information about the fraud account. CashApp sent a secure URL requesting information to verify they are responding to the correct person. I sent the information on XX/XX/XXXX and they stopped responded to all of my emails. I sent multiple emails daily to check on the status and and did not receive a response. 

Due to this poor customer service that I received, I filed a complaint with the XXXX XXXX XXXX on XX/XX/XXXX. Two days later, I received two separate email responses from CashApp. They stated I needed to follow the detailed instructions and upload the information to receive the requested information. I sent the photos on XX/XX/XXXX and on XX/XX/XXXX I received a confirmation email stating they received the documents. I am now back in the same situation with CashApp receiving images of all three of our personal information and not responding to my emails with an estimated date when they should expect to receive the information. I checked the fraud CashApp name and the account is still active on CashApp.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
I have been trying to get my free credit report from them and each time they telling me i have to pay to get the report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
RE : Trans Union To Whom It May Concern, I sent a letter to Trans Union dated XX/XX/XXXX disputing an unauthorized inquiry as erroneous, and I have not received a response from them. They have NO proof I initiated such inquiry, nor written authorization, and have failed to provide any permissible purpose. Per the Fair Credit Reporting Act, Section 611 ( a ) ( 5 ), they had 30 days to investigate the dispute. If they could not verify the information within 30 days, they should have deleted the disputed unauthorized inquiry from my report. 

I have frozen and suppressed All 3rd party information vendors since Summer 2020, including XXXX XXXX, XXXX XXXX, XXXX, and XXXX XXXX. TRANS UNION MUST VERIFY THIS UNAUTHORIZED INQUIRY DIRECTLY WITH THE COMPANY LISTED BELOW, NOT WITH 3RD PARTY DATA MINORS. Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete. The following inquiry is unauthorized : XXXX XXXX XXXX XXXX VIA XXXX  XXXX  Attached you will find copies of my 3rd party vendor proof of suppression and the demand to comply package sent to Trans Union. 

Sincerely,

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 2016-09-09
Company: National Credit Systems,Inc.
State: MS
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I have recently relocated to Mississippi a couple months ago for a job and applied to get a home loan for my boys and I to buy a house. I was told that I had a negative mark on there from National Credit Systems for over {$7000.00}. I have never had a negative mark on my credit for anything. I am a single mom and have always protected my credit and finances. I talked to my attorney and he informed me that it is illegal to collect on a debt past the 3 year SOL in Mississippi. I tried disputing this account several times in the couple of months and have gotten nothing back from these people. I want this fraud charge off.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-13
Company: National Credit Systems,Inc.
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
National credit systems has placed a negative on my credit reports, all XXXX and also on my spouse 's credit reports. They are not the originator of the account, the date of origination on the credit reports is XXXX, this is the date they bought the debt. I have requested debt validation many times, they ignore me and do not validate, I requested they remove it, they ignore me. Also the credit reporting agencies do the same. They have re aged the debt to when they bought it.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-14
Company: Experian Information Solutions Inc.
State: NC
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:
back in XXXX of XXXX  I sent a letter to my local courthouse regarding the verification of a BK on my credit report as there is some information listed that is not correct. They sent me a letter back stating that the bankruptcy courts has no affiliation or communication with any credit bureaus. So I intern contacted XXXX XXXX and the 3 bureaus for verification of the BK information listed on my credit report. It is my understanding that in order for it to be placed on my credit report the information that I believe is not 100 % percent correct that as a consumer I have the right to request proper validation which means XXXX  XXXX, experian, XXXX  and XXXX  will need to perform a proper investigation. If the bankruptcy courts do not communicate with credit bureaus, I am unsure how a proper investigation of the information I am concerned about can be done. First letter to courthouse was sent XX/XX/2020 received response XX/XX/2020. Send their response to lexis nexis and the 3 bureaus after requesting an reinvestigation of the information listed. I received no response from anyone. I in return sent a no response letter end of XXXX to experian, XXXX  and XXXX. I called XXXX XXXX and they stated they never received my letter so the next day I sent it certified and it shows they received it. Till this day I have yet to receive ANYTHING at all.

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 2016-10-21
Company: Summit Financial Corp.
State: FL
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I have XXXX issues with Summit but was only able to select XXXX issue below. I purchased a vehicle from Summit Financial XX/XX/XXXX. I 've never paid a payment beyond 30 days late until XX/XX/XXXX as I had became unemployed. I missed that payment and it has been affecting my credit ever since, I requested to have this payment deferred but they were unable to work with me in addition I 've sent letters to Summit requesting a resolution but they are continuing to report the late payment to the credit bureaus. In addition, I was recently informed that my loan was a interest bearing loan with 18 % interest rate and I was not informed of this during the sale or my many times talking to the agents at Summit Financial. I became curious as to why is my balance is still over XXXX when I purchased the car in XX/XX/XXXX for XXXX and my payment is $ XXXX/month. The value of the car in currently XXXX. I 'm unable to trade or refinance this car in as I 'm upside down, I want to find a resolution to get rid of this car as well.

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 2016-11-10
Company: Southwest Credit Systems, L.P.
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I have contacted both southwest credit systems and XXXX to have collections removed from report. I have submitted paid in full letters and talked to both parties AND credit bureaus but they keep giving me the run around. One company is saying it 's on the other company and another company is saying it 's the other one. I need it removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-13
Company: Rausch, Sturm, Israel, Enerson & Hornik, LLP
State: AL
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
I have XXXX claiming I open up an account in XX/XX/2013. 
I stated I did not open the account nor authorized a account to be open with this company. They sent me to collection company name portfolio recovery who hired a company to sue me Rausch, Sturm, Israel, Enerson and Hornik, LLC and Hornik XXXX sent a summons civil but no answer or reply letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-09
Company: Netspend Corporation
State: MD
Product: Prepaid card
Sub-product: Payroll card
Issue: Overdraft, savings or rewards features

Complaint:
On XXXX XXXX, 2016 Netspend has charged me XXXX {$15.00} fees on my account. I was only supposed to be charged a XXXX or XXXX {$15.00} fees not XXXX overdraft fees. Because I disputed and filed a complaint of these transactions they retaliated and turned off my use of using the Netspend overdraft protection program. I did n't asked to be removed from or suspended temporarily from the program. Your company needs to investigate Netspend Overdraft program because they 're taking consumers money. They tried to purposely over charged me for these fees. I am agreeing with the XXXX {$15.00} fee. 

I am going to post a small description from there website. what they say about there Overdraft Program, if a consumer decides to use it. 

You are currently opted-in to the optional Overdraft Protection service. Please note, you may only use this service if you are receiving recurring direct deposits to your Card account and your status is " Active '', meaning you have met the other eligibility requirements for the service. Please check below for your current status. 

Minimum Direct Deposit Required is {$200.00} or more every 30 ( thirty ) days. 
The following is the current program in which you are enrolled : Grace Period Time : 24 ( hours ) Overdraft Fee : {$15.00}, up to a maximum of XXXX per calendar month. 

I want my Overdraft Protection Reactivated asap. Netspend being very petty. I 've been a long time customer with Netspend. My Federal Government payroll and my husband XXXX payroll being going into our netspend account for a very long time.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-27
Company: Vital Solutions, Inc.
State: IN
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Vital Recovery Service will call my cellphone 3 to 4 times a day. Monday thru Saturday. Once I even received a call on Sunday.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-14
Company: Bread Financial Holdings, Inc.
State: UT
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:
Comenity Bank Lane Bryant is reporting an account on my credit file as an authorized user. It is not my account. This account is not mine and I have never signed anything for me to be added onto this account. I demand you remove my name from the account and delete it from my credit file immediately or the next communication will be from an attorney.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-19
Company: Southwest Credit Systems, L.P.
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
I contacted Southwest Credit Systems in XXXX to dispute this and they asked me to send them a dispute letter so they can have this removed from my credit files. I sent that in on XXXX/XXXX/16 and rec 'd confirmation they rec 'd it on XXXX. Now three months later the collection is still on my credit reports and is affecting my ability to get a refinancing done. 
I called them on XXXX/XXXX/16 and they told me to call XXXX to dispute it. I called XXXX and they confirmed it was fraud. The crook had my SSN and first name, but the last name and address were incorrect. They told me that since they sold it to the collections company, that I have to contact them. 
These XXXX companies are deliberately putting me in an unending loop. 
I have contacted Southwest Credit Systems to tell them again that XXXX says it was not my account. 
This collection is still not being removed despite the fact that it has been established as fraud.

Company response to consumer: Closed with explanation