BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-01-29
Company: Blackhawk Network Holdings Inc.
State: CA
Product: Prepaid card
Sub-product: General purpose card
Issue: Managing, opening, or closing account

Complaint:
On XXXX XXXX, 2016, I requested a refund of my prepaid card 's balance since I had issues using it at a merchant. The customer service agent said I should receive a paper check for {$200.00} in 10 business days. 

On XXXX XXXX, 13 business days ( excluding the holiday ) later, I still have not received the refund check. Upon calling customer service, they said it may take up to 30 business days. The discrepancy between the original call on XXXX XXXX to what I was told on XXXX XXXX is alarming and give me great concern as to when I should expect to receive the check. It is a XXXX Prepaid Visa Gift Card, " distributed and serviced by Blackhawk Network, California, Inc '' ; according to the back of the prepaid card.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-20
Company: Experian Information Solutions 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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The account list below violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account Number : XXXX has violated my rights. Or a list of Inquiries : XXXX XXXX XX/XX/2022 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 an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information or Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-07-02
Company: JPMORGAN CHASE & CO.
State: CO
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I went to a chase atm to deposit cash. Used my phone to tap and deposit. I deposited the cash and after the atm took my money it sent an error code. It was approximately XXXX XXXX I don't remember because I panicked. The machine printed a receipt with a phone number to call to make sure it went through. I tried to speak with someone no one was available. So I called back to listen. To deposits. It was not there.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-15
Company: WELLS FARGO & COMPANY
State: ID
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I bought a duplex owner occupied though wells fargo using a conventional loan. when the market dropped I refinanced the loan through a government streamline program to a 15 year loan. so when I hit the government mandated 78 % loan to value the private mortgage insurance should have automatically dropped. It didn't. I now have 62 % loan to value and still paying mortgage insurance.

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 2023-07-02
Company: ALLY FINANCIAL INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Fraudulent activity from XXXX XXXX XXXX and there buissness partner for auto loans Ally Financial bank

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 2023-07-02
Company: ENCORE CAPITAL GROUP INC.
State: IL
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have new and updated information in regards to complaint number XXXX. Midland Credit Management did not provide sufficient information in response to my notice and Cease and Desist. They are also still reporting negative information that has been disputed on my consumer report which is causing me more harm and stress due to being unable to rightfully utilize my credit. This information is misleading and deceptive

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act XXXX  Account # XXXX XXXX XXXX, Account # XXXX XXXX XXXX XXXX, Account # XXXX XXXX XXXX XXXX, Account # XXXX XXXX XXXX  XXXX Account # XXXX XXXX  XXXX  XXXX Account # XXXX XXXX XXXX XXXX, Account # XXXX XXXX XXXX XXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : 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 non-monetary relief
Consumer complaint received 2023-10-13
Company: EQUIFAX, INC.
State: MO
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: Their investigation did not fix an error on your report

Complaint:
I submitted a letter to the Credit Bureaus to correct these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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:
this account BANK OF AMERICA XXXX is ran as a charge off an IRS DEFINES A CHARGE OFF AS GROSS OR INCOME DOES NOT GET REPORTED ON CONSUMER REPORT AND I NEVER RECEIVED ANY OF THE 1099 Cancellation Of XXXX XXXX. This Account is is Inaccurate And Has To Be Removed

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 2022-02-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 sent XXXX, XXXX and Transunion letters disputing inaccurate information being furnished on my credit report. I sent in my identification as well, but the inaccurate accounts are still being furnished. I never gave XXXX, XXXX or Transunion consent to furnish this information which is a direct violation of my federally protected rights.

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 2023-07-02
Company: TRUIST FINANCIAL CORPORATION
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:
this account REGIONAL ACCEPTANCE XXXX is ran as a charge off an IRS DEFINES A CHARGE OFF AS GROSS OR INCOME DOES NOT GET REPORTED ON CONSUMER REPORT AND I NEVER RECEIVED ANY OF THE 1099 Cancellation Of Dede From. This Account is is Inaccurate And Has To Be Removed.

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 2023-07-02
Company: LOBEL FINANCIAL CORPORATION
State: CA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Problem while selling or giving up the vehicle

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX California XX/XX/ Re : Unauthorized Credit Inquiry To Whom it May Concern, I recently received a copy of my credit report. The credit report showed a credit inquiry by your company that I do not recall authorizing. I understand that you shouldn't be allowed to put an inquiry on my credit file unless I have authorized it. Please have this inquiry removed from my credit file immediately because it is making it very difficult for me to acquire credit.

I have sent this letter certified mail because I need your prompt response to this issue.

Please be so kind as to fonvard me documentation that you've had the unauthorized inquiry removed.

If you find that I am remiss, and you do have my authorization to inquire into my credit report. then please send me proof of this. Otherwise, please note that I am reserving the right to take civil action if necessary. 
Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-20
Company: Continental Finance Company, LLC
State: OH
Product: Credit card
Issue: Payoff process

Complaint:
When I applied for Continental Credit Card, in amount of {$300.00}. to re build my credit and with XXXX XXXX for dental work ( only owed XXXX at this time ) I paid for the insurance in the event I lost my job it would be covered. Well I lost my job and both these company s said I canceled the insurance month prior to me losings my employment. I never canceled this insurance and if I wanted to I would have had to put it in write per, Continental Credit Cards and Care Credit own policy 's. So I told them both to show me where I put in writing to cancel the insurance? Neither never could, did not respond to me and sent it on to collections. This was in XXXX of 2012 I lost my job however this is not first time I have tried to resolve this issue. I am not at home and do not have documents with me at this time but I will get them copy and send or emial asap. Also I see I can only add XXXX Credit Card company at time at end so I will do XXXX of these.

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 2023-07-02
Company: WELLS FARGO & COMPANY
State: MS
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
XXXX XXXX deposits transfers wells fargo deposits and refunds XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX deposits and refunds XXXX money loans international deposits and withdrawals my ID was stolen XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX tranfers and deposits emails XXXX car loanr house mortgae loans hotels XXXX XXXX  my name is XXXX XXXX lm wanting you to stop whoever is using everything social birthday all emails on all different sites apps apps XXXXXXXX XXXX XXXX  etc...

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 2022-05-25
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act 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 2022-05-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit reporting act XXXX XXXXXXXX acct XXXX, XXXX  acct XXXX violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

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

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.

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 2022-07-11
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
I submitted a letter to the 3 Credit Bureaus XX/XX/XXXX to update this suspicious information. I think you have not validated these account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT XXXX, and I'm including it again. XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}.

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 2023-09-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
To Whom It May Concern, I am writing to dispute the dismissal of my request to correct inaccurate information in my TransUnion credit file. According to Section 611 of the Fair Credit Reporting Act, TransUnion must lawfully reinvestigate disputed items if a consumer directly requests it. 

However, instead of honoring my consumer right under federal law, you sent a form letter implying I did not properly submit my dispute. This violates the FCRA, as confirmed by the 7th Circuit Court 's Gillespie v. Equifax decision. I submitted my dispute to TransUnion directly, so you must address it. 

Additionally, TransUnion failed to provide written results of a reinvestigation within 5 business days, violating Section 1681i ( a ) ( 6 ). You also left unverified, disputed information in my file rather than deleting it as mandated by Section 1681i ( a ) ( 7 ). 

I expect TransUnion to now conduct a lawful reinvestigation into the inaccurate information I disputed, including verifying disputed accounts directly with the source as required. If you can not verify the disputed accounts, they must be deleted from my file. 

If TransUnion continues to disregard my rights under federal law, I will pursue legal action citing willful noncompliance with FCRA requirements. I have attached supporting documents. Please ensure TransUnion complies with FCRA reinvestigation rules to resolve this dispute. 

Thank you, 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 non-monetary relief
Consumer complaint received 2023-03-20
Company: Fay Servicing, LLC
State: MD
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I have been with XXXX they sold me to FAY servicing who in turn skyrocketed my mortgage almost doubled with warning. After some research I found that XXXX had me umbrella under a 2nd company who is now reporting that I missed from XX/XX/XXXX to XX/XX/XXXX. This is not true and i have the bank records to show from XXXX XXXX XXXX XXXX where i pay from my account. I am truly in a bind at this moment and Fay servicing has a very very bad reputation for swindling people out of their money and hundreds of lawsuits pending at this time. I am a XXXXXXXX XXXX XXXX XXXX has worked extremely hard to maintain a simple life and pay my mortgage like i am suppose to. This situation is more than I can handle. 

On my credit report XXXX is showing they have me from XX/XX/XXXX to XX/XX/XXXX but XXXX says they have me from XX/XX/XXXX to XX/XX/XXXX for 360 month term somewhere it changed to 432 months without my knowledge and Fay servicing shows up long before i ever knew they were in the picture. Also in XXXX there is a 8 months span where they report me as not paying this is so confusing please help me before i lose my mind.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-24
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: Reporting company used your report improperly

Complaint:
I found inaccurate and incorrect data on my credit report and this wrong information should not be on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-02
Company: Credit Corp Solutions Inc.
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Credit Corp Solutions reported negative invalidate and inaccurate information to a consumer reporting agency without sending me a form 809 ( a ) which is a direct violation of the FDCPA

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-15
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 sent XXXX, Experian and XXXX letters disputing inaccurate information being furnished on my credit report. I sent in my identification as well, but the inaccurate accounts are still being furnished. I never gave XXXX, Experian or XXXX consent to furnish this information which is a direct violation of my federally protected rights.

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 2023-07-03
Company: TrueAccord Corp.
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
True Accord has attempted to contact me through my wifes personal email address and they violated the TCPA by sending me unsolicited sms text messages about a debt from XXXX satellite service which I never incurred and is not listed on my credit report. I responded the to email requesting to dispute the debt but they replied that they will only continue if provide my mailing address for a dispute confirmation letter. I refuse to release my personal information and requested they email me confirmation. They never did. About a month had passed and they began to sms text message me again stating they will settle the debt and offer a partial write off. I dont have an unpaid debt to write off. I have never had a satellite subscription ever. If True Accord is a legitimate business, they need to be heavily audited and fined for violations.

Company response to consumer: Closed with explanation