BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-03-30
Company: Blackhawk Network Holdings Inc.
State: NY
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:
Law enforcement : WAKE UP! You are being fooled by these businesses, they laugh at your lack of proper regulation. 

THIS IS THE SECOND TIME I have to open a complaint due to an attempt to prevent me from using the card that I earned through a reward ( rebate ). 

It amazes me how law enforcement seems to be hibernating allowing business like Blackhawk Network to continue to operate. This is not a technical issue. These are difficulties created to make users unable to use the card. 

I ALREADY HAD A COMPLAINT a few months ago with a different card, and I WAS PROMISED this issue would be reviewed and fixed. NOTHING HAS BEEN DONE! 

This is an absurd. 

I received a rewards card that is valid until XX/XX/2021 ( XX/XX/2021 ). 
I tried to activate it to use, and activation failed. I tried for XXXX days, via website and calling, and it keeps telling me this card can't be activated. 

***** IT IS IMPOSSIBLE TO REACH ANYONE ***** A financial service WITH NO POSSIBILITY TO TALK TO A HUMAN BEING! HOW IS THIS LEGAL AND ALLOWED TO EXIST! 

There is no chat or email in the website XXXX XXXX XXXX 
There is no option at all in the phone system XXXX XXXX ) to talk to a person. This automated phone system is another layer of frustration because not only it never gives an option to talk to someone, but also puts you in a infinite loop. At the end it asks me to hang up. I urge you, law enforcement, to please call this number and have fun trying to contact anyone in case your card activation keeps failing - THERE IS NO ASSISTANCE AT ALL. 

HOW IS THIS POSSIBLE!!! 
HOW IS THIS ALLOWED TO EXIST!!! 

THIS IS NOT THE FIRST TIME I have trouble using a card THAT SHOULD WORK FLAWLESSLY and Blackhawk Network MAKES IT, ON PURPOSE, DIFFICULT OR IMPOSSIBLE TO USE. 

WAKE UP LAW ENFORCEMENT! 

A financial company that does not allow a customer to access the funds ( that expire by the way! ), and that does not provide ANY WAY TO TALK TO A HUMAN in case of issues. 

***** WAKE UP! ***** AGAIN : I URGE YOU TO WAKE UP FROM THIS HIBERNATION.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-06
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I'm resubmitting a complaint again because this is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXXXXXX Balance {$0.00} XXXXXXXX XXXX XXXX Balance {$5500.00} XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-28
Company: Experian Information Solutions Inc.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
On XX/XX/XXXX, experian sent me an alert that my score had increased to XXXX. I went and applied for an auto loan in XX/XX/XXXX, and was denied by every company. In the denial letter, the creditors stated that they pulled my score from Experian, and the score was XXXX. That is a drastic difference. Almost XXXX points. They never showed me my score as XXXX anything. Even currently, my score is XXXX. This is fraud and a breach of contract. My current membership with experian requires them to send accurate information and they sent inaccurate information and a bad score. If my score and information was updated and correct, I wouldnt have gotten denied by multiple companies on multiple occasions. ( I only kept the letters from 1 ). This is not okay. Experian is using deception that hinders consumers and helps companies.

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 2021-05-10
Company: BBVA FINANCIAL CORPORATION
State: OK
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
BBVA closed and shut down Simple online checking accounts, including mine. They transferred the account on a Saturday, assuring us it would be an easy and smooth transaction but it has been anything but. I have been completely locked out of my account for 3 days now. I have been unable to reach them to unlock my account so I can see my funds and transactions. They have no email or chat help, and I have been disconnected 4 times while trying to connect with their customer service on phone. This is happening to not just me but thousands of former Simple customers, its all over XXXX and XXXX. This is completely unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
My checking Acct in Bank of America was charged with doble XXXX dlls charges over 15 years and sometimes twice. I filed a claim with BofA two weeks go and when I call for an update I only hear that the representative doesnt have an answer for me either all the other hundreds of victims of this abusive behavior.

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 2023-05-28
Company: Velocity Portfolio Group
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I just received a letter from your company stating that I owe an outstanding balance ( see your letter attached ). This letter is not a refusal to pay, however, I would like to let your company know that I am disputing your claim. Under the FDCPA, I am allowed to request verification from third party collection agencies. As you know, not complying with FDCPA will put your company in a bad position with the FTC, so I am asking that your company supply me with a copy of the following : 1.Proof that you either own or were assigned the debt from the creditor 2.Proof that you have the right to collect this debt in my state 3.Proof that your company carries a bond 4.Proof on how your company assessed the outstanding debt 5.Payment history from the original creditor 6.Name and address from the original creditor 7.Copy of the original contract bearing my signature Thank you for your time and cooperation

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 2023-05-28
Company: WELLS FARGO & COMPANY
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
On XX/XX/23 I received a surprise call from Wells Fargo Bank and I was rudely told that my accounts were being closed effective XX/XX/23 due to a Wells Fargo Bank business decision. I tried to ask questions to resolve the situation and the lady with Wells Fargo was very very rude and abrupt with 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 2021-06-01
Company: I.C. System, Inc.
State: CT
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This account had no record that ever belonged to me with these authorities/leasers. I tried to contact them and ask for proof of ownership but they failed to send me the necessary documentation to prove that I really own this account.

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 2023-09-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 hope this letter finds you well. I am writing to express my deep concern and frustration regarding the recent experiences I have had with your institution in attempting to open account. My name is XXXX XXXX, and I have been a long-standing customer for several years, which is why my recent experiences have been particularly disappointing. Over the past, I have made multiple attempts to open new accounts with your institution. Unfortunately, all of these attempts have resulted in significant delays and inconveniences, which have caused me great frustration and concern. The initial application process for opening accounts was straightforward, but I found that there were significant delays in receiving updates and responses from your customer service team. I often had to follow up multiple times before receiving any meaningful communication. On several occasions, I was informed that certain documentation was missing or incomplete, which further delayed the process. This was despite my best efforts to provide all required documents promptly. The repeated delays in opening the accounts have caused me considerable inconvenience. I had to reschedule important financial transactions, and the uncertainty surrounding the account openings has been a source of stress. 

I understand that unforeseen circumstances can sometimes lead to delays in banking processes. However, the frequency and severity of the issues I have encountered are not in line with the high standard of service. As a loyal customer, I believe that it is essential for your institution to address and rectify these issues promptly. 

I kindly request that you investigate the matter thoroughly and take appropriate actions to prevent such issues from occurring in the future. Additionally, I would appreciate it if you could expedite the process of opening the accounts that are currently pending, as the delays have already caused me significant inconvenience. 

I value my relationship with you and hope that this issue can be resolved promptly to restore my confidence in your institution 's services. I would like to outline the issues I have encountered about this late open account : XXXX XXXX Balance : {$170000.00}.

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 2023-05-28
Company: SANTANDER HOLDINGS USA, INC.
State: MA
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:
below is was the exact email i sent to santander with the same photos. all they had to do was XXXX " XXXX '' and call them. they'd get their answer if its a scam or not. as when i called the person said " no we are not new XXXX  parts. and there is a scam going on with people using my business ''. i even later emailed new photos to show " new XXXX parts '' had more people backing up my claim. or they could of spent 10mins searching for the shipping company and see that tracking is bogus along with all the phone numbers.

Photos provided to show evidence for fraudulent business. Paid for an auto part was told it was pending shipping. but the website they provided ( see figure 12 ) brings me to a site that the phone number is disconnected. XXXX the shipping business bring me to a different phone number, and that one isn't even a shipping company. the seller at one point said i had to contact the shipper to pay a fee for insurance ( see figures 8-11 ). At that point i knew it was not a legitimate business. No actual company is going to ask for payment via XXXX etc.

Figure 4 shows them posing as " XXXX  ''. XXXX  that does show an actual business, but when i called they knew nothing about the part i ordered and even said if someone said its coming from us its a scam. XXXX XXXX XXXX said they are aware that there is a scam but did not who or from where.

Also the entire conversation has multiple phone numbers, from multiple states.

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 2023-09-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX Data breach and may have got into the hands of the wrong person.

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 2021-03-30
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 information incorrect

Complaint:
Equifax and XXXX should not be reporting me as an authorized user on the XXXX - partial account number XXXX. ( Please see page attached from my credit report. ) I called the bank and let them know that I did not give permission to be added as an Authorized User on this account. I have contacted the bank as well as the bureaus to remove this account however, I have not been successful. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. This negative reporting is harming my credit score and this line item need to be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I submitted a credit repair request to a company, but they failed to respond within the XXXX timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

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 2023-03-06
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my 9th request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific items in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-19
Company: ENCORE CAPITAL GROUP INC.
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
JUNK DEBT BUYER - IN VIOLATION OF THE FDCPA - IN VIOLATION OF MY FEDERALLY PROTECTED CONSUMER RIGHTS Midland Credit Management at XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, CA XXXX has been sending me collection notices and they are reporting a collection account - Account # XXXX - in the amount of {$310.00} the collection has been reported as a balance, a collection account, and an open account. I do not know this company. I have never done any business with this company. This company does not have a contract with my signature. This is Aggravated Identity Theft. I have included several violations that you, Midland Credit Management, owe me in my Bill of Particulars.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-15
Company: Navient Solutions, LLC.
State: MN
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:
Navient runs circles around you and makes it impossible to payoff your loans. I am trying to allocate my payments to my loan with the higher interest rate, as well as pay more to work toward paying those off first. 

I have been on the phone for 1 hour and no one can explain to me how to do this. 

IE if I pay more now, it will be received as an overpayment and push back my next payment cycle. 

It is mind-blowing that I can not pay more to pay off these loans. They obviously just want me to keep paying off interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-10
Company: I.C. System, Inc.
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
No information given regarding account. Violates federal 15 USC 1692gf also no medical release given and eligible to collect on debt per Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting

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 2018-05-07
Company: Merchants and Medical Credit Corporation, Inc.
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: Old information reappears or never goes away

Complaint:
XX/XX/2012 First Reported XXXX XXXX XXXX XXXX Original Creditor I have never stay in this apartment. This apartment is in XXXX mi XXXX XXXX Is my sister There are a great of names on my credit report thats not mine XXXX forrer XXXX Michigan XXXX This the only address that should be on my report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-17
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-10
Company: Upstart Holdings, Inc.
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
XX/XX/10 Applied for the loan online and got approved Called in to check for loan amount increase per pre approval i can get higher amount Rep hang up on me and cancel out my application without authorization Called back in and they will not reinstate the app - Instead they asked me to apply with a different email address which makes no sense

Company response to consumer: Closed with explanation