BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-08
Company: MOHELA
State: FL
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:
I am simply trying to inquire about receiving a refund on loan payments I made during the COVID-19 pandemic. I was informed that I can receive a refund after XX/XX/2020 for any payments made. I have not been able to get ahold of anyone regarding the matter. My loans transferred from XXXX XXXX to Mohela. XXXX XXXX was great and easy to work with but instructed me that everything now had to be completed by Mohela. Mohela just has pre-recorded prompts for applications and no way to speak with a custom service representative. I see no option to inquire about my pandemic loan reimbursement. It is highly infuriating that my loan company is withholding this important information. Please help.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-15
Company: Netspend Corporation
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: Card was charged for something you did not purchase with the card

Complaint:
My information was exposed recently and to tell you the truth I feel so violated it makes me want to just die its non stop things popping up everywhere that I don't know were to start they sucked me dry again witch bring s me to good old netspend I had got my stimulus check loaded on there card I went and take out a XXXX dollar withdrawal so I would have enough for the next couple of weeks I Made some misalanious purchase here and there I couldn't download the app for some reason but I got a new one do you the fact I got robbed at gunpoint for .my phone and had XXXX get to get a new one well I had reported this to netspend and csr assured me they could not get my info so there was no need to cancel card well to my surprise I get my new phone I was able to download app but boy I wish I was not here at this moment this has brought so much tension between me and my wife cause she told me not to load a prepaid card cause it would create problems and it did I don't understand how a XXXX dollar credit would not raise flags anybody that is making a purchase a company would rather it be a debit transaction to be sure that it goes threw I would never risk I provided netspend with all what they needed to get my money I even provided them a reciept of me being in another city when this transaction was occurring I am at the brink of eviction problems with wife I request you to please have netspend respond also two checks that were not deposited by me how does this happen

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 2019-03-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
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:
XXXX and Transunion are reporting me 120 days past due on XXXX - partial account number XXXX. Transunion is reporting me 120 days past due on the XXXX - partial account number XXXX. These accounts reflect a {$0.00} balance and {$0.00} past due status. It is impossible to be 120 days late on accounts that have a {$0.00} balance and {$0.00} past due amounts. I have contacted the two bureaus to have this fixed. This incorrect reporting is harming my credit score.

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 2023-06-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
There is an auto loan on my account that was with XXXX XXXX XXXX XXXX. It was included in my now discharged XXXX XXXX bankruptcy, surrendered to a third party, my ex husband. XXXX XXXX XXXX XXXX did not file a reaffirmation agreement with the court. That is XXXX them!! The ex husband made a separate agreement with XXXX XXXX XXXX XXXX to pay off the vehicle and has been paying it, in fact paying it off this month. XXXX XXXX XXXX XXXX continues to reflect this negative reporting on my credit, I have disputed with XXXX 4 times and XXXX XXXX XXXX XXXX XXXX time. I have also an open dispute with XXXX as it appears they reported it accurately in XXXX but XXXX XXXX XXXX XXXX reported it again negatively in XXXX. Same occurrence on Transunion it was shown accurately on Transunion reporting " included in bankruptcy '' for months, and now they have reverted back to showing it as a charge off. 
I will continue to fight this until the XXXX credit bureaus show it accurately as " included in bankruptcy '' as XXXX XXXX XXXX XXXX is being deceptive and lying in that they have a separate payment arrangement made with my ex husband, that has nothing to do with me as surrendered the vehicle in XXXX. This is wrong, and it is damaging to my credit reporting preventing me from being able to obtain financing on a new home. As a single hard working mom, I will always fight for what is right to defend my home, my son and our livelihood.

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 2022-11-28
Company: Netspend Corporation
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
For the last 10 years, my wife has gotten her Direct Deposit on the 1st day of the month deposited in he Net Spend account, until Net Spend closed her account in XXXX of 2022 keeping {$230.00} which they have refused to send her or remit to the depositor, XXXX XXXX XXXX XXXX. For some reason or another, they are intent in not sending or remitting the money, knowingly and intentionally causing my wife to be admitted to the hospital where she has been for the last 4 months. My wife has been put through XXXX, I have been unable to be by her side, since I can not afford to drive the 160 miles to see her. Net Spend has caused so much harm to us who count on every dollar to meet and deal with our obligations. Just wish Net spend would meet theirs.

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 2022-10-22
Company: National Credit Systems,Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
XXXX has failed to supply information on WHOM has attempted to validate alleged debt. 

Request for detailed information was submitted on XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

30 days were allowed for written notification of supplying verifier information & has not been received.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-28
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 have new information and a new police report for XXXX  XXXX with the account listed and the false amount owed. Also XXXX is still reporting XXXX  XXXX  XXXX  which is removed and also they are reporting a account for XXXX XXXX  which is a collection account for XXXX  XXXX  which was removed in the past for id theft and also XXXX is still reporting XXXX XXXX XXXX  which was removed already by transunion but XXXX is still reporting and credit first as late but it has a XXXX balance and was credited the amount so therefore its no way it could be late credit first account was not updated to paid in full as the account was credited so it should not show as late

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 2023-05-23
Company: Genesis FS Card Services, Inc.
State: WI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
I've tried to make several purchases with my Indigo card. They have been declined. I have never defaulted with Indigo on any payments. Whenever I call I am told there are no holds on my card. Today I received a letter asking for my id to be sent to Indigo. I then called Indigo to request their email address as I don't have a copy or fax machine where I live. I do have my driver 's license on my phone to send them a copy but Indigo does not have an email address. Indigo is unwilling to allow me to send my driver 's license by email and therefore has refused to take the hold off my account with them. I have two credit cards with Indigo. The first card I had with them was paid in full including a yearly finance charge of over {$50.00}. I still am not allowed to use this account or the second account I have with Indigo. This could be solved if Indigo would accept my driver 's license per email.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
Tuesday XX/XX/XXXX I the Secured party creditor sent a letter certified mail which contained a proof of contract request between the secured party and the president " XXXX XXXX '' of speed loan company making these commercial claims against me. " Without prejudice ''. If XXXX cant provide the information within 30 days they must by law remove the derogatory mark. " XXXX '' my rights are governed under this law. Now following my due dilligence I have made a report to identitytheft.gov to report the theft of this debt collector making these claims that I the good faith creditor blood and flesh owe a debt in the United States of America. Next I have come to the CFPB because by law this collector has violated my rights. Furthermore this collector was place on my credit without my written permission. 15 usc 1681b under this title and section my rights are governed. Also this collector is in vioation of 15 usc 1681n Civil liability for willful noncompliance. Which states ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( XXXX ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater. 

I never authorized this consumer transaction and i never authorized the furnishing of this this transaction.

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 2023-04-19
Company: Experian Information Solutions Inc.
State: VA
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've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureausmust check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information on my credit report : PXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-10-11
Company: Experian Information Solutions Inc.
State: PA
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:
Hello my name is XXXX XXXX. I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not authorize the following charges or open the following accounts. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's identity theft affidavit. I have been a victim of identity theft since 2014 the suspect ( s ) also tried to file a fraudulent return, I have attached the affidavit from them aswell. Please delete the items 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 non-monetary relief
Consumer complaint received 2023-09-13
Company: PNC Bank N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Ive deposited a {$10000.00} check on XX/XX/XXXX  into my checking account with PNC bank. I originally received a two day hold that was extended to another five day hold. When those days passed still nothing showed in my account. Ive spoken with PNC bank customer service numerous times, and I've also spoken with PNC loss avoidance department. Ive even had the maker of the check call PNC bank to verify the check was valid. For the past few weeks Ive been told the hold will release in the next business day or it will release in five business days from when the hold was placed. My funds have been on hold for longer than two months now. This is absurd, unprofessional, and very unacceptable. I just keep getting the run around instead of just releasing my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-19
Company: EQUIFAX, INC.
State: GA
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:
XXXX is reporting my five loans under sequence numbers XXXX as being transferred/sold with Equifax and Equifax is reporting these accounts as closed because they stated in a investigation ACCOUNTS REPORTING AS TRANSFERRED OR SOLD ARE CONSIDERED CLOSED when in fact the accounts are actually open and active. I contacted the creditor and received a letter from them supporting my claims that these accounts are actually active and open accounts ; however XXXX continues to report these accounts as transferred/sold to Equifax when I dispute the information which has caused the incorrect information to be reported and remain on my credit report as closed with no balances. This erroneous reporting has greatly impacted my credit score and is preventing me from retaining new lines of credit from other creditors and also preventing me from being able to retain a lease for an apartment.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-03
Company: CAINE & WEINER COMPANY, INC.
State: SC
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:
Caine & Weiner debt collector has refused to update my credit reporting. XXXX XXXX made an error on my account and did not close my account properly in XXXX XXXX even though I provided my insurance declaration page from XXXX XXXX. After reporting the insurance company to the Department of Insurance they send me a notice indicating they correctly cancelled my insurance in XX/XX/XXXX and sent me a refund for {$51.00}. I contacted Caine & Weiner today and they said XXXX pulled back the account to show I no longer owed an debt however they have not updated their system. XXXX and Caine & Weiner are violating my rights under FCRA by failing to update my account with the credit bureau agencies which is impacting my ability to buy a house as my credit score has dropped. 

I want my account updated immediately as it has been over a month since XXXX realized their mistake.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-23
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 according to the credit report act this creditor has violating my rigths under 15USC1681 Section 602 States I have the rigths under 15 USC1681 section 6048 section 2 It also stay a consumer reporting agency can not furnished an acount with out my written instruction, under 15 Usc1666b a creditor may not threat a payment on a credicard acount under an open a consumer credit plan as late y any porpoise, According thi this TransUnion is violating my rigths and XXXX XXXX XXXX acount opened in XXXX XX/XX/2016 should be deleted for this law and for inaccuracy

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 2023-05-23
Company: SUNRISE CREDIT SERVICES, INC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Sunrise Credit Service placed a collection on my credit report I do not know who they are or have ever done business with the creditor they stated they are representing. The collection was placed on XX/XX/23 for {$1700.00}. I called them based on the number provided on my credit report and they could not verify who I was besides my phone number. They stated I lived at a certain address which was incorrect. I do not have any information about this company or the creditor they are stating they are representing. The only way I found out about this collection was from a trigger alert I have placed on my credit reporting service 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 2022-08-15
Company: CORELOGIC 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:
To whom it may concern : On XX/XX/2022, an unknown entity - XXXX  ( Miscellaneous ), ran my credit without my consent. 

Please remove, this unauthorized information from my credit. 

Thanks!

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 2023-06-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I received my consumers report and noticed that I had a late payment on an account that I was never late for. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the account XXXX XXXX account # XXXX. Also, I have noticed they have sold my account to a collections agency without giving me a notice, By law, a consumer must receive written notice ( known as a debt validation letter ) within five days of the collectors initial attempt to contact you. That notice must include the amount of the debt, the original creditor to whom the debt is owed and a statement of your right to dispute the debt. Please investigate and provide proof with statements showing that these payments were late and to provide proof that they sent me a debt validation letter within 5 days of the collectors initial attempt to contact me. If proof can't be provided, I demand these payments to be updated to on-time as they should be, as I were NEVER late or remove this account from my consumers report, Thank you.

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 2022-04-26
Company: Experian Information Solutions Inc.
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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX Account # XXXX, has violated my rights. 
XXXX Account # XXXX, has violated my rights. 
XXXXXXXX XXXX XXXX XXXX Account # XXXX, has violated my rights. 
XXXX Account # XXXX, has violated my rights. 
XXXX XXXX XXXXXXXX XXXX  Account # XXXX, has violated my rights. 
XXXX Account # XXXX, has violated my rights. 
-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