BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-10-03
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 CFPB closed my previous case WITHOUT MY COMPLAINT BEING APPROPRIATELY ADDRESSED! The Fair Credit Reporting Act ensures that fair and accurate information be recorded but Transunions credit scoring is not only unfair and inaccurate but they still have not demonstrated why it claims my poor credit scoring is due to too many derogatory and delinquent accounts and I can not find one. Their credit scoring and summary is damaging to me personally and diminished my lending opportunities of getting better rates, shopping credits or any loan.

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 2020-04-02
Company: Experian Information Solutions 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 have been denied apartment applications due to id theft on my credit report that experian and XXXX refuse to remove even with the documents required to remove ( ID theft report, social security number, and drivers license via mail with tracking number. ) I believe my rights have been violated and I would like these accounts to be removed immediately.

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 2020-04-02
Company: Sequium Asset Solutions, LLC
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
To Whom It May Concern, The reason for my dispute is FOCUS RECEIVABLES MANAGEMENT {$870.00} was required to notify me no later than 30 days after furnishing the negative information to credit bureau reports, in writing ... under such section 623, subsection ( 7 ) ( A ). 
However, in my records, I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. Also, FOCUS RECEIVABLES MANAGEMENT failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, Under 809. Validations of date and Mini-Mirandi under Section807 ( 1 )  FOCUS RECEIVABLES MANAGEMENT failed to send me my initial communication before placing this alleged item on my credit reports further violating the FCRA, with {$1000.00} per violation FOCUS RECEIVABLES MANAGEMENT is held liable as well for defamation and in the state of OHIO indebtedness with those of other creditors against an individual debtor or codebtors. FDCPA I fail to see where FOCUS RECEIVABLES MANAGEMENT is in compliance with OHIO LAW. I also have report this account to the FTC, and XXXX Police Dept.I need this collection account to be removed from my credit report.FOCUS RECEIVABLES MANAGEMENT has not even tried to contact me regarding this Fraudulent collection account. Please have them remove this collection account immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-08
Company: Block, Inc.
State: OK
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
Yesterday, XX/XX/XXXX, I had balance of XXXX. I noticed it lowered to XXXX ( XXXX lower ) after someone was sending me XXXX. The XXXX has no transaction tied to it. The XXXX has not been added to my account even though the app shows it was completed- it was not. I contacted them through the app XX/XX/XXXX and no one has helped me since- Its now XX/XX/XXXX. This is not the first time this has happened. I need my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-20
Company: Northstar Location Services, LLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Good Afternoon, I am formally disputing this alleged debt that Northstar Alleges I owe to them. I do not know this company, I've never heard of them, and have no prior relationship with them. I do not owe this debt to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-27
Company: Army and Air Force Exchange Service
State: TN
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have been an outstanding customer and absolutely enjoy my Military Star Card. However this year and last year have been incredibly difficult as I know it has been with everyone. My wife is a XXXX XXXX and in XXXX of 2021 caught XXXX XXXX and I missed my XX/XX/2021 payment. The next month I brought my account current and worked very hard to stay on top of everything and in XX/XX/2021 I lost my father due to XXXX XXXX. The unexpected funeral costs impacted my family heavily and my XXXX and XXXX payment suffered. I have been working extremely hard to keep my good payment history and account in good standing and I paid off my account in full in XXXX of 2021. I called the customer service phone number on XX/XX/2021 to ask if the late payments could be removed from my credit report due to XXXX and how it has effected my family this year and I was given incorrect information and the lady was not very nice or helpful at all. Not knowing who to call or my next direction as it relates to this matter this was the only place I went to for my next step. I am trying very hard to move into a new home and start fresh and leave the grief behind. I know these last two years have impacted everyone. But I am just trying to keep my good payment history and status with my Military Star card in good standing.

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 2017-03-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
Hi, I have duplicate credit reports on my report. it increases the number of my open accounts which affects my report. This duplicate loans are for my Students Loans. I 'm still a students and have graduated so my payment wo n't start till i graduate. I have attached a screenshot of all accounts. my student loan servicer is one agency as far as know. it should be XXXX account and not XXXX different account. Thank you so much

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-27
Company: JPMORGAN CHASE & CO.
State: CA
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:
1. I made a car rental reservation with XXXX XXXX, XXXX on Chase travel portal using the Chase reward points on XXXX 2021, which is worth of {$410.00}. It was a prepaid trip from XXXX to XXXX, 2021. 
2. When we got to the XXXX XXXX on the night of XXXX, they spent over 30 minutes to go through the paper work and asked us to buy a car insurance before we can pick up the car at the end. We were asked to pay almost additional {$400.00} total for the insurance and they told us it was mandatory by XXXX XXXX. This was our fifth time in XXXX and also not the first time renting car. We understand there is one basic liability insurance mandatary and it has to be included in the quoted price by law, which we already prepaid through Chase. On the other side, I am also attaching the Chase/XXXX XXXX XXXX policy document here for the reference. It stated in second paragraph of page 5 : Third party liability insurance is included in our car rental contract already.

3. Since it is totally nonsense for us to purchase additional insurance, we declined to take this option. If this is something mandatary by XXXX, we have every right to be informed before we booked the trip. We already felt this was a fraud and at the end, they didn't give us the car. 
4. I contacted Chase credit card travel center multiple times to report this potential fraud and ask for my rewards refund for the trip few days later. Chase informed me on XX/XX/XXXX they can't refund me my rewards because XXXX denied my request. And the decision is final.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-11-19
Company: WELLS FARGO & COMPANY
State: GA
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
XXXX violated FDCPA XXXX by filing in the wrong jurisdiction which was XXXX XXXX, GA case on XXXX XXXX, XXXX and dismissed on XXXX XXXX, XXXX while the case was being held in XXXX XXXX GA as of XXXX XXXX, XXXX under. case. It was time barred from giving the chain of custody given to validate party in interest under case in XXXX XXXX, XXXX. FDCPA XXXX -K the frequency and irresponsibility of follow Federal debt collection guidelines in XXXX different incidents when it had opportunity to product the documents to validate it as party in interest it failed to do so from XXXX XXXX XXXX, XXXX showing persistence and determination to continue violations of FDCPA XXXX. The unfair debt collection practices violating FDCPA XXXX to " ambushed '' and surprised the Defendant with a redacted bill of sale and affidavit of the debt 2 years after it was requested since the original filing case # by was unconscionable since they failed to produce copies on XXXX XXXX, XXXX the bill of sale and affidavit from Wells Fargo to Defendant.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-14
Company: JPMORGAN CHASE & CO.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My homeowners insurance company XXXX XXXX, the last resort provider for the state of Florida ) dropped me from coverage at the end XXXX XXXX due to not having water in my newly constructed pool. The pool building process took one year from contract and it was literally not possible to have water in the pool due to ongoing COVID related delays in materials, manpower, sub contractors, etc. Without a proper electrical hookup, they could not complete the job in a more timely manner. The mortgage company Chase sent me a letter advising that insurance was required or else they would buy it for me. I called them immediately upon receiving this letter, telling them about the predicament, and asking how long I had before they purchased a policy for me. I was told eight weeks. Six weeks later, the pool company completed their job, water was in the pool, and I was covered once again by XXXX with the same prior policy details. 

In mid-XXXX, I received another letter from Chase advising that I need to provide proof of coverage for the six week period I was without or else they would buy a policy for me in the exorbitant amount of {$1100.00}. As providing such a proof of coverage is impossible, I called Chase on three separate occasions asking what could be done. If nothing could be done from a relationship perspective, then the policy is what it is and I am left with no recourse. However, all letters received indicate that insurance MAY be purchased for me, at no point does it ever indicate that insurance WAS purchased. Despite this, apparently such coverage was purchased on my behalf and this {$1100.00} ( for SIX weeks ) will be taken from my escrow account over time.

At no point did Chase ever 1 ) Tell me that insurance was actually purchased 2 ) Who the insurance was with 3 ) What was actually going to be covered by this completely retroactive policy. The fact that a lender is able to use my money months later to purchase a policy and provide absolutely zero insight into the details of this policy or at least even be able to clearly confirm that such a policy was even purchased is appalling since their last letter continues to indicate that I may be charged. Without being provided such details in a more timely manner, it becomes more unlikely and less plausible that I would even be able to utilize this policy to file a retroactive claim against, thus making this practice seem unfair to the consumer. Again, my lack of coverage for this period of time was completely involuntary and since the insurer of last resort for the state of Florida dropped me explicitly due to the lack of water being in a pool, it does not seem likely that another provider would overlook this, thus another reason why obtaining insight into these phantom policy details would be of interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-27
Company: Aspen National Financial, Inc.
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
In XX/XX/2016, I purchase a weekly timeshare at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL. The contact said that the membership may go up or down. The prior is always the case never the latter even with COVID-19. Aspen National Collection ( XXXX ) XXXX has added almost {$900.00} to the maintenance fee

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-10-13
Company: ENCORE CAPITAL GROUP INC.
State: NJ
Product: Debt collection
Sub-product: Credit card
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint:
Asset Acceptance based in XXXX, XXXX is a debt collection agency that has now attempted to ( and partially succeeded ) in collecting funds from my bank account via levy, on three separate occasions. I can provide paperwork and exact dates of each levy attempted, as needed. 

This debt was based on a XXXX XXXX XXXX credit card that was last paid XX/XX/XXXX. The 90 day window for the time of delinquency puts the date at XX/XX/XXXX from when the attempt for debt to be collected began. 

The statute of limitation in my home state ( XXXX ) regarding oral or written contracts is six years. As of the current date, This debt has not been collected for seven years and five months. 

The only correspondence received was from XXXX County courts, alerting me that funds were attempted to be collected from my bank account. When contacting the courts I was given a phone number with voicemail to contact. After leaving voicemail on three occasions, no return calls were ever made to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-23
Company: EQUIFAX, INC.
State: TX
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:
There are many mistakes appeared in my report I have never paid late these accounts : "   XXXX     XXXX  # Account #  XXXX   XXXX  '' "  XXXX   XXXX   XXXX   XXXX  # Account #  XXXX  '' "  DEPT OF EDUCATION/  XXXX   DEPT OF ED/  XXXX  Account #  XXXX  '' "  DEPT OF EDUCATION/  XXXX   DEPT OF ED/  XXXX  Account #  XXXX  '' "  DEPT OF EDUCATION/  XXXX   DEPT OF ED/  XXXX  Account #  XXXX  '' "  DEPT OF EDUCATION/  XXXX   DEPT OF ED/  XXXX  Account #  XXXX  '' "  DEPT OF EDUCATION/  XXXX   DEPT OF ED/  XXXX  Account #  XXXX  '' "  XXXX   XXXX   XXXX  Account #  XXXX  '' "  XXXX   XXXX   XXXX  Account #  XXXX  '' "  U S DEPARTMENT OF ED  Account #  XXXX  ''

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-10
Company: ENCORE CAPITAL GROUP INC.
State: NV
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I have already asked them to stop contacting me because I no longer owe this debt. I sent them a letter back in XX/XX/2012 to verify the debt and to cease communication with me. It was a hassle to get them off my credit report. And today they are still trying to me a letter about settling the debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-02
Company: EQUIFAX, 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: Information is missing that should be on the report

Complaint:
1 ) I have tried to keep a great fico of XXXX since XXXX, never missing a payment or been late, paid off a XXXX truck loan & am in my 4th house since XXXX ; and even when I have had no auto loans or CCard debt in XXXX with a small mortgage of {$630.00} mo including taxes & ins the highest my fico would get is " XXXX '' with 34 yrs of never being late or missing a payment on anything, how is that possible? 
2 ) I just got a XXXX XXXX  XX/XX/XXXX ; along with the card Is a XXXX  credit score of XXXX, So I download my 3 credit reports flawless on payment history, took a hit on length of credit history & debt to income- medium impact.I went into some CC`s that I have open with & without a balance who offer your fico score from XXXX  they go from XXXX. Something is not right here. I have fought the 3 bureaus & fico with the help of fl. attorney general`s assistant Ms , XXXX XXXX XXXX back in XXXX she also thought something didn`t look right after me sending a package with my 3 credit reports & opened up an investigation, but It didn`t go anywhere but she did try. Here in Fl everything Is based on your credit score auto, boat, home, Ins`s, ; interests, & even when you might apply for for an apartment, house rental

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
All other reporting agencies al have deleted XXXX XXXX system from my report. I have no contract and agreement with this entity. However Transunion has not. XXXX XXXX XXXX, has been deleted and the reappears in hours on my credit report, for Transunion, XXXX, and XXXX, although I have acknowledged this is a fraudulent account. This first appeared over 10 years ago, however now says opened XXXX. Ive never had an account with this entity or the company they purchased or were sold data from!

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 2015-04-11
Company: ALLY FINANCIAL INC.
State: TX
Product: Consumer Loan
Sub-product: Vehicle lease
Issue: Problems when you are unable to pay

Complaint:
Ally Financial is reporting XXXX 30 day late payments in the same month, XXXX 2015. I currently do not owe any payments until XXXX 2015 and have cleared bank debits of XXXX payments in XXXX due to poor communication on behalf of Ally and poor record keeping and reporting.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-02
Company: Netspend Corporation
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Overcharged for a purchase or transfer you did make with the card

Complaint:
Bank : Netspend Prepaid Debit Card Services Email : XXXX Telephone : XXXX On XX/XX/2020 I had a stay over at a XXXX  XXXX  in XXXX, Georgia. When I checked in I was charged {$110.00} and was told a {$25.00} deposit would be refunded to my account after checking out. I checked out of the hotel on XX/XX/2020 and received a receipt to show the hotel only billed my debit card {$92.00}. I never received the deposit and the bank is refusing to refund the money. I called the hotel and was told they released the {$25.00} and to contact the bank again because they would have to release the funds into your account. I tried to resolve this issue with the bank several times and every representative I speak with put me on hold and never return to the phone. I have been hung up on by a representative 3 times after waiting over an hour to speak to someone. Each Customer service sound very incompetent, the last representative was looking at the wrong transaction and would not listen to me moving forward and when I calmly ask to speak with a manager or supervisor she placed me on hold for a long period of time then disconnected the call. I attached the receipt from the XXXX XXXX XXXX XXXX, the text message receipt of the transaction from Netspend Prepaid debit card services, and of the last call to show how long I was holding before and after the representative hung up on 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 2017-07-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
On XX/XX/XXXX2017 I went to XXXX and attempted to view my free credit reports. I was only able to view my XX/XX/XXXX report. XXXXXXXX gave me an unintelligible error. XXXXTransUnion said it could n't confirm my identity after a series of follow up questions. The follow up questions were very vague. Some included no possible correct answers, and some included multiple possible correct answers. From this it is unclear if they have accurate information on file for 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 non-monetary relief
Consumer complaint received 2016-01-25
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
XXXX Mortgage is reporting account open with a balance of {$33000.00}. This account should be reported as closed and XXXX Balance. It was included in my Chapter # XXXX bankruptcy discharge on XXXX XXXX, 2015.

Company response to consumer: Closed with explanation