BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-05-08
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: Account information incorrect

Complaint:
I have opened numerous complaints with this agency only to see them " CLOSED and FILED '' upon receipt of a response be it inaccurate, incorrect or outright lies. Currently my wife are undergoing financial hardships brought about by incorrect, untimely reporting! Trying to reach any of these bureaus is a farce. I understand they are now under the control of   XXXX   XXXX   XXXX   but frankly same old, same old. A review today of my " protection ''  XXXX  -placed by the  HR Department of the United  States Governmen t indicates the reports still reflect incorrect information and wrong information has not been corrected. I h ave filed with  the CFBP Ombudsman and Vice Presidents office for  help but to date nothing!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-08
Company: Bread Financial Holdings, Inc.
State: MI
Product: Credit card or prepaid card
Sub-product: Store credit 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:
I purchased a mattress from  XXXX   XXXX  which was delivered on  XXXX / XXXX /  XXXX  . After taking delivery I noticed that there were stains on the side of the mattress and contacted the company several times by phone. At their request, I emailed them pictures on  two  occasions of the stain. No response was received from  XXXX   XXXX . I disputed the charge with Commenity Bank who I pay to for the mattress. There investigation concluded with  XXXX   XXXX  falsely stating I have never contacted them regarding the stain. All supporting documents are attached and phone records of calls made to the store can be made available as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX is decreasing my score without any reason or shame, my due date is XXXX and I paid before that it showed a {$240.00} balance and reduced my score The XXXX and the Transunion decreased my score without reason. I'm tired of this wrong 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 2017-05-08
Company: Automatic Data Processing, Inc.
State: WA
Product: Credit card or prepaid card
Sub-product: Payroll card
Issue: Trouble using the card
Sub-issue: Trouble using the card to pay a bill

Complaint:
XX/XX/XXXX   ADP ( www.adp.com ) reissued my  FSA  card. I activated it and used it in   XX/XX/XXXX   and again   XX/XX/XXXX .  XX/XX/XXXX   I went to pay a  XXXX  bill on Friday   XX/XX/XXXX   and it was declined. I called ADP and they said the card was never activated. I told them f or one i activated the card, for two  i used the card twice afterwards. They said oops we dont know what happened. So i told them i need this card reactivated. They said they could not. They had to reissue me a new card. Afterwards i remembered i needed my card now because i was traveling thos week and called back. The  2nd   CSR w as a complete waste of time. While on hold 30 MINUTES called to get a different CSR. She tried to escalate but because of the other  two w asting time and handling poorly closed fir Friday. Called  1st th ing monday morning spoke to escalation person, he said because the  1st CSR put it in as a stolen card that he could not do an ything with the card i have in my possession. I am not sure what kind of hinky, unproffesional, shenanigans are going on in ADP but falsely inputting my card as stolen and shrugging it off which the escalation person did is completely wrong. I am a  XXXX  veteran and i have monies taken out of my check to cover medical expenses. For a company to say oh well not our problem and tell me to take my personal bank monies out to cover THEIR BLATANT MALPRACTICE and NEGLIGENCE, and their answer is for me to pay out of pocket and then file a claim that takes weeks to process. They should NOT be allowed to continue. Who else has this happened to and continues..   CSRS AND escalation codes  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Foreign currency exchange
Issue: Problem with customer service

Complaint:
I ordered {$150.00} worth of XXXX XXXX from Bank of America, my bank, and specifically asked for big bills but instead they sent me only XXXX XXXX XXXX XXXXXXXX  which is not only very dangerous to carry big stack of low value money but also very impractical. When I called the bank of America XXXX XXXX to ask them to replace it, they hung up on me. Now I am stuck with a stack of money I can not even use

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
On   XXXX     i submitted a complaint with CFPB regardingg my  Kohls  store card. Complaint #  XXXX  with the CFPB. The response fro m Kohls state s that I have voluntarly requested paperless statements, and that my account is available online. I have never been issued a cc statement, only a notice that my statement was available online. However since the date of opening the account, i have never been issued and physical CC. I am able to make purchases in store when i provide a copy of my DL and enter my SS # in the card reader. Since i do not have a physical copy of my card, i have never been able to access the company website to pay my bill. This has never been an issue, since I usually pay my bill in full as described in Kohls   XXXX   XXXX   response to my compaint.  Kohls  also note that My email address is   XXXX  when it is in fact  XXXX  XXXX  XXXX .

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-31
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
This is my 13th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX 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 2017-05-08
Company: Fidelity National Information Services, Inc. (FNIS)
State: DC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
I am flagged with most financial institutions who deem my information a risk whenever I open bank accounts or try to cash checks. I would like to have intangible reasoning behind their discretion in blocking me within  n  the system completely or with limitations. I 've contacted them to no avail.

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 2022-02-21
Company: FIFTH THIRD FINANCIAL CORPORATION
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My mortgage servicer, Fifth Third Bank, has failed to make any of my property tax payments and I have now received delinquent tax bills and letters from debt collectors attempting to collect my property taxes. I initially notified Fifth Third in XXXX when I received my first unpaid tax bill letter from my county. The letter stated that if the taxes weren't paid by XX/XX/XXXX, that they would be considered delinquent. I forwarded all documentation to Fifth Third Bank in hopes that my taxes would get paid, but in XXXX I then received a letter that my taxes are now delinquent. I then received unpaid tax bills from my township and school district. I again forwarded all documentation to Fifth Third in hopes that bills would be paid. As of XX/XX/XXXX, I am now receiving letters from a debt collector attempting to collect these tax payments. When documentation is submitted, apparently no one is taking the necessary steps to get my property taxes paid in a timely manner. The last home I owned was serviced by another mortgage company and in the XXXX XXXX years I owned that home, I NEVER had to call regarding payment of my taxes. Everyone at Fifth Third is " shocked '' that this mistake has happened. They've all agreed this isn't standard practice, but as of XX/XX/XXXX, my township and school taxes are still not paid and when I called today, the supervisor told me " my case manager for my escrow account has not yet looked at the item today and they will get back to me when they get a chance ''. Obviously there is no sense of urgency on their part to get this taken care of and it's truly frustrating that I have had to call so many times over the last XXXX  months to try and get my taxes paid by a company who is paid to service my loan and manage my escrow account.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-07
Company: Nelnet, Inc.
State: NV
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have attempted to have  several student loans that have been cleared or discharged by the Department Of Education.    XXXX   and  XXXX  have been notified and sent several copies of the discharge notification. The student loan that are on my credit report are not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-15
Company: EQUIFAX, INC.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
It is completely unjustified that I have consistently made timely payments for this account and have never been overdue. I kindly ask that you rectify my account to accurately reflect this.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-23
Company: Experian Information Solutions 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 information incorrect

Complaint:
The information being reported is inconsistent or incorrect. I have tried repeatedly to have this information removed. There are several issues wrong with these accounts not being reported correctly.

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 2022-02-23
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Team, I have disputed the following hard inquiries as Fraud and are unauthorized and need them to be removed per FRCA. I've contacted all XXXX major credit bureaus and customer service department did not help remove the negative inquiries that are reporting on my credit report. I would appreciate your help in any way. Equifax : 1XXXX XXXX - XX/XX/XXXX ; 2. XXXX XXXX XXXX XXXX XX/XX/XXXX ; 3. XXXX  XXXX- XX/XX/XXXX ; 4. XXXX  XXXX  - XX/XX/XXXX ; 5. XXXX  XXXX  - XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
15 USC 1681 In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federally consumer rights to privacy and confidentally. 15 USC 1681 section 602A states i have the rights to privacy. 15 USC 1681 section 604 section 2 also states a consumer reporting agency can not furnish a account without my written instructions. I didnt give anyone instructions to furnish these accounts. Remove these accounts immediately. These are the accounts. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-06-21
Company: Kikoff Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Problem with customer service

Complaint:
Support will NOT help me, I have no access to acct XX/XX/XXXX was the start of the credit building account. Have made automatic payments ever since opening account and all of a sudden now I can not access the account. I contacted " support '' and after a few emails, I was told that since my information didn't match, XXXX XXXX could not help me. Mind you, on the website, it says that Kikoff support would be happy to help. I changed my email address and was pretty sure that I contacted Kikoff to get that changed and even if I had not changed it yet, the response I got from XXXX XXXX as " support '' is a joke, she does not want to help me and is now ignoring my emails. The money that I have in the account is not much, but since it is my money, I would like to be able to access my XXXX account. Complained to XXXX also. 

Date of experience : XX/XX/XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-12
Company: EQUIFAX, INC.
State: PA
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:
The family educational rights and privacy act ( FERPA ), a federal law enacted in 1974 that protects me from the privacy of student education records for XXXX Any public or private  elementary secondary or post secondary school under 20 USC 1232g ( b ) this needs taken off my report immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-30
Company: Experian Information Solutions Inc.
State: NC
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 value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX WY XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1100.00} ; XXXX XXXX XXXX Balance : {$1000.00} ; XXXX XXXX XXXX Balance : {$940.00} ; XXXX XXXX XXXX Balance : {$880.00} ; XXXX XXXX XXXX XXXX Balance : {$730.00} XXXX XXXX XXXX XXXX XXXX Balance : {$3700.00} ; XXXX  XXXX Balance : {$780.00} ; XXXX XX/XX/2023.

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 2023-12-14
Company: GOLDMAN SACHS BANK USA
State: OH
Product: Credit 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:
Apple card gave me partial credit for the following orders {$240.00} they gave me {$210.00} the whole order was returned to merchant why did i not get a full refund? {$170.00} partial refund given again the whole order was returned to the merchant XXXX XXXX {$180.00} this was never refunded it even says on my statement that the refund was denied.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-05-16
Company: Earnest Inc.
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem with the payoff process at the end of the loan

Complaint:
Back in XX/XX/2018 Earnest approved me for a {$50000.00} loan which was deposited as agreed upon and paid back in full within 2 months. During this approval and payback not once did earnest send this information to all credit agencies to report this account and perfect payment history. 

They have still refused to report this good standing paid back loan to my history as I am entitled to as a consumer and protected via FCRA and US code subchapters. 
They took my money with interest back and decided to damage my credit history by this action for any future personal loans. When asked via multiple attempts to fix this issue they refused. 

I have attached all proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-23
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a victim of identity theft. XXXX XXXX XXXX has fraudulent accounts on my credit profile that need immediate removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-07
Company: MARINER FINANCE, LLC
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
XXXX  ny office, i was a cosigner on loan with my mother with my car as collateral, she went bankrupt and would not talk to me about the anything other than make a half payment and they would we be in touch with me to figure out the rest after the bk, well they took my car, i told   XXXX   XXXX   (  XXXX  ) i would i pay the past due amount to bring it current and they want nothing to do it with it, i was lied to by   XXXX   at mariner finance they said my mother committed fraud and i do n't have my car. i am husband and father of  XXXX  and have had  two pervious loan s that were paid faithfully and on time and now no car even trying to make this situation right, please let me pay what i owe to reinstate the loan and i will assume all of the payments from here on out inc the repo fees. Also after furtherin review, in nys there must be a cosigner form signed by the cosigner and that form was issued to and signed by the borrower, due to nys statue it does say if the bank does not follow the proper co signer steps the cosigner is not obligated to loan at all. This company never contacted me after i made a payment they as me to, they did not inform me that the loan was in default after i made the account current. all i want to do is pay the loan now seeing my mother is out of the picutre this is my car they also refused to tell me where the car is so i can grab my personal belonings, credit cards, personal mail and bils title to my wifes car as well as peronsal things of my kids.

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 2023-12-14
Company: LEXISNEXIS
State: CA
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 filed a complaint with lexis nexis about bankrupcties that were on my credit report. I explained that me and my ex husband XXXX XXXX owned properties and he filed for bankruptcy without my knowledege to try and save a property. They were able to remove 1 bankruptcy from my credit, but they left 1. How is this possible? this is a fraudulent use of my information.I was unaware of my ex husband doing this, he signed my name. I need this removed now.

Company response to consumer: Closed with explanation