BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-25
Company: Blackhawk Network Holdings Inc.
State: OR
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 was issued a card by XXXX XXXX XXXX the same as I have been hundreds of times before. While trying to use the card online I accidentally entered the CVV code incorrectly 2 times. The third attempt I corrected my issue and entered the correct cvv code but the card was still declining. 

I contacted the support for this card at the phone number listed on their website. After speaking with an agent, XXXX, she advised me that when the cvv code is entered incorrectly 3 times the card is locked for 72 hours and there is no way for them to fix this issue. The only option is to wait 72 hours. 

Finding this answer unacceptable, as anyone could understand, I then asked to speak with a supervisor to confirm this policy. My main concern is that nowhere in any terms of service, FAQs or any other location was I made aware this would occur. This is information that should be provided to consumers considering the inconvenience and potential for abuse. 

I was then transferred to a supervisor, XXXX, who advised me this was not the policy and that the card was not locked. When I then went to attempt to use the card it declined again. The agent then advised me it was the merchant that was the issue and that the card did not work with this merchant. Since I use hundreds of these cards I knew that was not the case and advised him of this. He then advised me that the card was not locked, but the cvv code was locked and that was the cause of the issue. 

Since this is not how gift cards work I asked him to clarify and he advised me there was nothing they could do and I would have to wit 24 hours. Since this was now the fourth different reason I was given I asked for clarification and documentation on the actual reason and policy, but XXXX did not have an answer for me. 

This is an obvious situation of the card issuer attempting to save money and hurt consumers by hiring unqualified or poorly trained support agents which, with financial services products, should not be acceptable. This company needs to have a way to fix issues like this on their end. If any bank locked access to a customers money without any resolution other than waiting an indeterminate amount of time and did not publish any policy to alert consumers to the actual procedure, they would not be allowed to continue. 

I do not see why any prepaid mastercard issuer should be allowed any different set of rules. While I would hope this issue would be resolved prior to this complaint being addressed I would hope there is some regulation the CFPB can enforce to prohibit a company in this sector from these practices. I am writing not to fix my issue but to protect all future consumers from having this same problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-13
Company: AFNI INC.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Afni debt collections Afni, Inc. 
XXXX XXXX XXXX XXXX, IL XXXX I have never had a agreement in writing with this company and they have put a collection on my Credit report that is not mine for amount {$590.00} date reported XX/XX/XXXXall 3 credit bureaus

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-28
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: Investigation took more than 30 days

Complaint:
I have 30 days waiting for the response of the credit bureaus, because I have inaccurate information on my credit report. I have negative accounts that should not be on my credit report, accounts that are not negative showing as they are, inquiries that I didn't authorized. I waited too much for the response of the credit bureaus.

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 2019-07-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
Credit Bureaus report this account XXXX XXXX XXXX twice..The credit bureaus refused to reverse the late payments. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. They also did not give me an explanation as to why they have to report it twice.. CFPB please step up and fix this ASAP..

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 2017-08-02
Company: Bread Financial Holdings, Inc.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
My Dependant house Wife with no personal income of her own was able to open a credit card using her ( husband 's ) income and was approved with a {$12000.00} credit limit without my permission or knowledge.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-28
Company: U.S. BANCORP
State: PA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting, activating, or registering a card

Complaint:
First problem was resolved with me reporting my Reliacard stolen. Now having problems getting thru to a realrep due to calls being frauded. Reps don't know infor. At hey should know. 
Told by last rep that my self is I needed to send online was under review. Now told that it was never received. Reps not on dame page with responses. Don't know if talking to real rep. My act is inactive due to this. Unable to afford to update my PA ID with my PUA benefit on card I don't have! Had to send expired PA ID.

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 2019-07-01
Company: AmeriCollect
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Americollect is a collection agency claiming a debt that is NOT owed by me. 

it is impossible for me to owe this claim debt to your claimed debtor as i was not present in the United States during the claimed rendered service date provided by your collection agency to myself as the date of the claimed service was rendered. Please review evidence consisting of plane ticket reservations as well as hotels reservations as well as my return tickets. i was not in the USA from XX/XX/2018 and returned XX/XX/2018. 

I have contacted them repeatedly and provided evidence and still collecting and reporting to the credit bureaus regardless of the provided evidence

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-25
Company: EQUIFAX, 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: Credit inquiries on your report that you don't recognize

Complaint:
I contacted the Credit Bureau on XX/XX/2018 in regards to inaccurate information on my credit report such as jobs, phone numbers, addresses and inquiries. Recently I've become educated on the importance of credit as well as the common errors reported to credit agencies. In the recent months as I've gathered my reports and was able to spot multiple inaccuracies in which I immediately began to contact all 3 credit bureau 's to dispute the inaccurate information, they have unfortunately failed in the removal of all of this information. I'm sure all parties involved are aware of the importance of credit and the information that credit granting agencies can see are essential to the credit granting process for any consumer. And if the information is incorrect it can have a negative impact on the consumer ( me ). Well this is exactly what has happened no matter my efforts to repair/ rebuild the inaccurate information has has a destitute impact on my progress. And although they responded to my request in impeccable timing they have failed in the actual removal and updating of this inaccurate information, which has lead me to get a third party involved.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-22
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have called XXXX XXXX XXXX several times and asked them to please correct the reporting status on my credit report and each time Im told it will be taken care of. It has not been done and has resulted in several of my credit cards having the limits lowered and 2 of them closing my accounts because if false reporting status. I am in touch with my attorney about filing a lawsuit against this company for defamation of character. This has had a huge impact on my credit and they dont seem to care. This is very unethical practices for a mortgage company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-10
Company: Experian Information Solutions Inc.
State: NH
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:
CHILD SUPPORT ENFORCEMENT AGENCY ACCT # XXXX ACCT # XXXX ACCT # XXXX ACCT # XXXX Has violated my rights also, while reported inaccurate information. All accounts say my last payment date was XX/XX/23. which is incorrect. I have proof of the inaccurate information.

15 U.S.C1681 section 602A Says I have a right to privacy.

15U.S.C 1681 section 604 also says a consumer reporting agency can not furnish an account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-25
Company: Southwest Credit Systems, L.P.
State: AL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Upon checking my consumer report. I see that your company is saying that i owe you. I have never did business with your company and any account that is open with your company is fraud. I didn't give your company or any one else authorization to access my report or open anything in my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-12
Company: Rocket Mortgage, LLC
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
Dear Consumer Financial Protection Bureau, I am writing to file a complaint against my mortgage company for violating the Real Estate Settlement Procedures Act ( RESPA ) and the Consumer Financial Protection Bureau ( CFPB ) consumer laws and regulations. I recently refinanced my mortgage with this company, and I have experienced several issues with their services.

The main issue is that the mortgage company did not pay off my 12-month investment loan by the maturity date of XX/XX/XXXX, as stipulated in the loan agreement. As a result, the investment loan accrued daily interest from XX/XX/XXXX to XX/XX/XXXX, totaling {$6000.00}. This interest was not my responsibility to pay, as it was a direct result of the mortgage company 's failure to pay off the loan on time. 

The mortgage company closed on the refinance on XX/XX/XXXX, which was after the maturity date of the investment loan. Despite this, they did not pay off the investment loan until XX/XX/XXXX, and they did not inform me of this delay until after the fact. They then attempted to charge me for the interest that accrued during this time, which is a clear violation of the CFPB consumer laws and regulations and RESPA. 

I believe that this behavior by the mortgage company is unacceptable and violates my rights as a consumer. I respectfully request that the CFPB investigate this matter and take appropriate action to hold the mortgage company accountable for its actions. I also request that the mortgage company be required to pay any fees or penalties that may be incurred as a result of this violation. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-21
Company: Experian Information Solutions Inc.
State: NY
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:
I ve been dealing with this matter since 2015 to present. Its a run around with XXXX XXXX. 

XXXX XXXX XXXX XXXX RE : XXXX XXXX  its reporting inaccurate information to credit agencys As of this date, I am challenging the accurate of my student loans ; yet not all student loans are closed and 2 is pending to transfer the loans to another claim office, and then the inaccuracy reporting that shows on my credit reports as well. Meanwhile as to reviewing my credit report, again its shows 2 open student loan accounts, and as a result its lowering my credit score added. However, I ve tried several times to track down the various loan holders and its always a dead end. Nonetheless, XXXX XXXX XXXX  does claims they ve tried to retrieve my last two loans from both XXXX XXXX XXXX and XXXX XXXX XXXX, yet this process will take from 30-150 days and when the debt companies do fail to reply, then they will resubmit the same process again. Nevertheless, theyre given the run around and its effecting my credit reporting overall. However, below is an ongoing Value Chain process with my current student loans activity : XXXX XXXX XXXX XXXX  sold my loan to a XXXX XXXX XXXX, then wholesaled to another debt  company called, XXXX XXXX XXXX XXXX then resold to XXXX XXXX, and finally the loan should ve came to XXXX XXXX XXXX XXXX XXXX that would ve closed all accounts, yet were never 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 2023-10-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
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. 

I told the XXXX, Transunion, and XXXX to reinvestigate these accounts : : XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX # XXXX. They stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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 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.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting 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:
I am a victim of identity theft please remove this fraud inquiry from my credit 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 non-monetary relief
Consumer complaint received 2022-12-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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: Investigation took more than 30 days

Complaint:
On ( XX/XX/2022 ) I sent a letter regarding inaccurate accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of 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 60 days so they should be deleted promptly. I demand these accounts 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 2023-09-24
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I sent my letter off on XX/XX/2023 to XXXX for them to " investigate every piece of information on the accounts i listed below. Also i have attached the copy of my credit report i attached to the letter. 

According to the FCRA the term " Investigate consumer report '' means a consumer report or portion of thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or may have knowledge concerning any such items of information. 

They stated my account was verified but how is that possible if they did not complete a proper investigation according to the law. Also every piece of information on those accounts are reporting 100 % accurate. And according to FCRA XXXX XXXX XXXX every things has to be 100 % accurate. I have the credit report showing the inaccuracies. 

Accounts XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2023-06-25
Company: Avant Holding Company, Inc.
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
Their card was never received nor ever activated yet they are attempting to bill bogus charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-18
Company: EdFinancial Services
State: UT
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I am a previous student of XXXX XXXX, received a letter from the department of education it was a Notice of Eligibility for loan discharge on XX/XX/2022 Because thr school was involved in fraudulent activities and the new servicer ED financial is refusing to honor the letter

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-24
Company: Experian Information Solutions 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:
Ive been a victim of identity theft

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 2020-12-28
Company: Allied Collection Services, Inc. (Nevada)
State: NV
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
There is an account on my credit report that I do not owe. When I received an alert from XXXX, I immediately contacted the account holder ( Allied ) and I requested more information about the debt ( i.e. what the debt was for, whey they thought I owed it, and itemized statement proving the amount they thought I owed was accurate and a contract or agreement showing that I agreed to pay the debt ). Once Allied told me what the debt was for I explained to them that I did not owe the debt as I had lived in my own home for years. Allied told me they were going to look into the issue for me but this was over a year ago and nothing has been done to remove the item from my credit report and they have not provided me the information I requested from them either.

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