BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-11-15
Company: Incomm Holdings Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
I ordered a Vanilla VISA Gift card to the value of {$100.00} ( {$3.00} purchase fee ) on XX/XX/2021 which was sent to the recipient by email. 

On XX/XX/XXXX the recipient tried to use the card for a purchase and it did not work. He contacted Vanilla Customer Service and he was told that the purchaser had to contact them directly to check the status and issue on his behalf. 

On XX/XX/XXXX I called Vanilla Customer Service, who could not resolve from their end. The directions given were : If the link is not working, clear your browser history and make sure your device is not connected to any VPN connections. The link should contain all the details he needs to enter for a transaction. If he does this and it still doesnt work, he should be able to call customer service ( ask for XXXX he is the supervisor I spoke to ) and indicate that he has tried the link under the above conditions but it still doesnt work. 

On XX/XX/XXXX the recipient tried the directions provided and it still did not work. He also tried a different device and browser. So he contacted Vanilla Customer Service again and they couldn't resolve the issue. After spending an additional half an hour on the call with them they were are not able to resolve the problem. In the end, he was told to come back to the purchaser whom he was told was only party that is eligible to work on the order. 

On XX/XX/XXXX I called Vanilla Customer Service for the second time- they could not resolve the issue, so I asked them to cancel the card and refund the purchase amount. They provided me the Reimbursement/cancellation order # and said someone from that team would get back to me within 2 working days. 

On XXXX XXXX, I still had had no contact from Vanilla Customer Service, so I called them. I went through the first line who told me that the cancellation reimbursement had not been approved and that the card was active.I went to their second-line supervisor, who told me the same. I have asked them to escalate it again, as it's clear that they sold something that did not work and that their customer service was not equipped to resolve the issue. I do not want to have to go through their call center again. 

The customer support there is clearly unempowered and can not resolve issues. It's been a frustrating process for both the recipient and for me to have to call a disempowered service center on multiple occasions who are unable to resolve issues, the end result still being a gift card the recipient can not make a purchase with. 

I have since looked at review sites and I'm clearly not alone in the issues being experienced : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-18
Company: Franklin Collection Service, Inc.
State: AL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have requested debt validation from Franklin Collection Services for a medical debt of {$210.00}. I have sent letters on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX and have not gotten a response. This debt is not owed by me. There is no contract shown that I owe this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-28
Company: EQUIFAX, INC.
State: FL
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 credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. XXXX XXXX XXXX 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus dont have no written premission According to 15 USC 1681 I have the right to privacy 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 Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

According to 15 USC 1681s-2 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. ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-17
Company: Navient Solutions, LLC.
State: AZ
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
I am unable to reach my loan servicer navient any other way but phone for my private student loans. They are variable interest rate loans and very high monthly payments around XXXX a month. I called to see if I was able to do anything to lower my monthly payment. When speaking with the right department finally she could only offer me a reduction of XXXX dollars a month for a period of 3 or 6 months and I could only do it once every 12 months. It was called an interest forbareance program. When i asked if i could get paper work showing that the monthly payment after the 3 or 6 months would not go through the roof she said she couldnt give me any thing in writing until I agreed. I told her i would have to think about it and call them back and she said if I didnt decide now then I may not have the option again.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-27
Company: EQUIFAX, 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:
So I sent a letter off on XX/XX/2023 ; To remove personal information that I do not want on my credit report. According to the fair credit reporting Act 12 USC 1681, I have the right to privacy. Also, according to 15 USC 6802 ; No financial institution is not supposed to share my information to third party people.

These are clear violations of my federally protected consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-20
Company: GOLDMAN SACHS BANK USA
State: TX
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:
On XX/XX/22 I paid for my brothers birthday dinner in the amount of {$480.00} using my Apple Card via XXXX XXXX. Per my Apple Card wallet app, the aforementioned purchase entitled me to 2 % in XXXX XXXX back totaling {$9.00}. 

Typically Daily Cash back is dispensed the following business day to your XXXX XXXX account. 

It should be noted that Apple Card is operated by Goldman Sachs whereas XXXX XXXX is facilitated XXXX. Additionally, there is no shared oversight between the entities and they have no access to each others in-house systems. 

When a few days past without the {$9.00} hitting my XXXX XXXX I submitted a dispute to Apple Card. During their review they claimed their was no error. So I called XXXX XXXX and an XXXX associate screen mirrored my phone and confirmed I did not receive the promised {$9.00}. The XXXX XXXX associate then called a Goldman Sachs Apple Card representative who then resubmitted my Daily Cash review, and a few days later I got another email saying their investigation yielded no error. I then reached out to Apple Card again and escalated my issue, and now have spent countless hours via text and phone trying to obtain my 2 % cash back for this particular transaction. 

Typically Daily Cash back rewards are nominal in value because based on the transaction rewards vary from XXXX %. I only happened to catch this error bc I was expecting a larger sum based on the purchase. 

My concern is, Im currently aware of 2 transactions in which Goldman Sachs has yet to payout their promised cardholder rewards but how many other customers have fell victim to their deliberate false accounting.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-25
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I lost access to my online Experian. I tried to log into the website ( and not the app ) but I cant. I tried to reset my password, it says that I am blocked. 
I had a problem with fraud last week and unauthorized transactions on my account. The bank closed my account. 
I tried to open another one and it is denied because they can not pull my credit report on Experian. 
I have no clue how I will do without a bank account. My credit score was last seen XXXX. I never missed a payment. I do not understand what is happening and I can not get anybody on the phone. 
It is absolutely impossible to contact anyone at Experian. It is crazy. If I am the victim of identity theft I could not even solve the problem. 
I tried to request my free report through the mail and it said that my informations are incorrect and I am not recognized. 
But these informations are my informations I do not know what is going on.

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 2023-03-28
Company: EQUIFAX, 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 ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of accounts in my credit report. As of todays date, the Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

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 explanation
Consumer complaint received 2023-11-05
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting 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 recently received a copy of my consumer report after I submitted a dispute about it being inaccurate information being reported. I figured it was a mistake on your part however I did not see any changes in fact you stated that the account meets FCRA requirements. That is false these accounts can not meet FCRA requirements because they have not been verified nor have you fixed the inaccurate information on these accounts. I have included a screen shot of each item that I am referring to. I know the FCRA states that my consumer report should be furnished with accurate information otherwise the accounts in question that can not be verified must be removed. Take a look at how many errors you are reporting on my consumer report.

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 2023-03-28
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 belongs to someone else

Complaint:
Account name: XXXX XXXX XXXX
Date Opened: XXXX2016
Balance: XXXX

Account name: XXXX XXXX  Bankruptcy

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-28
Company: EQUIFAX, 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: Account information incorrect

Complaint:
In accordance with the Fair Credit Reporting Act this creditor has violated my Rights! Under Act 15 U.S.C. 1681 section 602 says " 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 refurnish an account without my written instructions ''. Under 15 U.S.C 1666B " A creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-15
Company: Westlake Services, LLC
State: LA
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
One XX/XX/2023 I sent in a dispute to have an alleged debt that was reported to my credit report validated. Since then I have sent out another dispute on XXXX XXXX being that they did not respond attempting to get a response once again and still nothing. According to FDCPA I have the right to request and receive validation of debt in which I still have not received!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-17
Company: Torriere Holdings INC
State: MO
Product: Debt collection
Sub-product: Payday loan debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Spire Recovery solutions has been calling me to collect a debt but will not verify who they are working for unless i verify my personal information over the phone. I have contacted them letting them know to ONLY contact me via certified mail, they responded again asking my to verify my social security number. they have also been contacting my sister and my aunt. I am not sure where they have gotten their information but this is harassment. They are asking my family members for my personal information and bombarding them with calls as well as myself. I told them if they did not oblige by my request to only be contacted via mail that I would report them. They say they can not send me mail until I verify my ss # through phone or email. I need this to stop.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-11
Company: Specialized Loan Servicing Holdings LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I paid off my loan and the mortgage company overcharged me by $XXXX. They charged me $XXXX   for recording fees in XXXX XXXX County. It should've been $XXXX only. Also they charge me for $XXXX for advance which they don't want to explain what is. On XX/XX/XXXX, I filed a complain and I called several times and they don't give an answer.

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 2020-07-13
Company: B&B Funding, LLC
State: NC
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
XXXX XXXX XXXX took over my second mortgage on XX/XX/2019. XXXX billed me an overdue amount of {$1400.00}. XXXX alleges First American Funding misapplied payments via ACH wire transfer payments that Fiurst American collected during the time First American serviced this loan. Further, XXXX alleges this loan was 115 days in areas when transferred from First American. At no time did First American notify me this loan was in arrears. In addition First American set up, maintained, and managed the ACH wire transfers, and at no time did First American report any problems whatsoever. First American never reported any negative account information to me or to any credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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 have contacted XXXX about fraudulent accounts/Activity that are showing up on my credit report. 
Ive tried contacting the police department no one ever showed up when I called back I was told that they are short staff and will be out after I explained my situation to the dispatcher she then told me that someone will be out as soon as they are able too and no one ever showed up. 

I feel like my issue is not being taken serious and all I want is for this to be fixed and removed I am truly being affected by this and its causing me a lot of sleepless nights and distress and XXXX  According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately.

According to 15 USC 1681b ( 1 ) the credit bureaus dont have no written permission.

According to 15 USC 1681 I have the right to privacy.

According to 15 USC 1681 s-2 a person should not furnish any information relating to any consumer reporting agency if the person knows or have any reasonable cause to believe that the information is inaccurate. 

( B ) reporting information after notice and confirmation of errors a person shall not furnish information relating to a consumer to any consumer reporting agency if 1 ) information is in fact inaccurate Someone needs to be held accountable for this!

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 2023-10-25
Company: Experian Information Solutions Inc.
State: CT
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 sent the 3 credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against them because I believe they have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) .This was mentioned in my previous COMPLAINT #, and I include it again. Kindly correct or delete the following accounts : 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 2023-02-28
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: Their investigation did not fix an error on your report

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX Balance : {$94.00} XXXX XXXX XXXX XXXX XXXX Balance : {$190000.00}

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 2021-11-15
Company: ERC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
This is a XXXX Phone account I had YEARS ago. Yet they are reporting as if I just defaulted the account XX/XX/XXXX which is against the law. The account was set to drop off 7 years from when they started reporting it to my credit history which was XXXX. I dont know what its still doing showing up on my credit history but it needs to be removed instantly.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-15
Company: AMERICAN EXPRESS COMPANY
State: CA
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:
American Express has a feature called " Amex Send & Split '' that allows you to send money to friends and family. 

On XX/XX/2021, I transferred {$2000.00} to my Amex Send account in order to send it to one of my friends via XXXX, but he wasn't available at the time. 

I returned the money to the card and waited a few days, but the money never arrived. 

I have activity transfer proof that I returned the money and every proof that the money was sent and returned to the card. American Express acknowledged the issue and opened a couple of tickets, but they were never resolved. Every day I call and I get no resolution. 

They promise to call me back, but no one does. 

Kindly help me!!!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-12-14
Company: Experian Information Solutions Inc.
State: PA
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:
I recently reviewed a copy of my credit report. I was shocked to learn that I have been a victim of identity theft. I found numerous accounts on my credit report that were not open by me. This has been hurting me as I am in the process of buying a home for my family. Please remove the fraudulent accounts from my credit report as soon as possible.

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