BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-12-05
Company: Experian Information Solutions Inc.
State: NJ
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'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 bureaus must check these items ( A ). It is unacceptable to list these accounts 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 : 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 2023-05-23
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:
The credit reporting agencies stated that these accounts were properly investigated and came back as verified, Tell me how is that possible when you the Bureaus have employees and an automated system judging my disputes within seconds? Its no way a real investigation was made. Under the laws of the FCRA, I have contacted the creditor myself, and they have failed to validate that this is indeed my debt with the original contract/note. I have copies of my requests to the creditor, asking them to validate the debt with contracts, as well as the receipts showing I sent them a letter by certified signature request. I was given no evidence of my obligation as owning this debt to these creditors. I have every right to believe This debt is not mine. I attached a full billing statement and proof of ID to the bureaus to show that it is actually me and not a credit repair company and still get no response!.

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 2023-12-05
Company: Experian Information Solutions Inc.
State: AZ
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 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 this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-12
Company: Blackhawk Network Holdings Inc.
State: HI
Product: Credit card or prepaid card
Sub-product: Gift card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
I purchased a {$15.00} XXXX gift card that their system says was loaded to another users account. When I called XXXX they told me that a XXXX had loaded my funds from a card with the number of the one I have into his account. I do not know anyone named XXXX. They also had the nerve to tell me and insist that someone else in my household is responsible and used my card for their account! I have an original proof of purchase load receipt for the card and I am in physical possession of the card! I am the only one with access and the card was in a storage unit for which I am the only one who has access. I have contacted XXXX XXXX XXXX and XXXX multiple times and they insist on telling me that I know a XXXX who lives in my household or that someone else in my household accessed my card and stole my funds! Ive complained at least twice to the XXXX XXXX XXXX and XXXX has ignored every probe and inquiry! Extremely unprofessional and cold! The gift card had been stored after being purchased a couple of years ago and I tried to use it on XX/XX/2020 to buy food through their XXXX Eats program. I am disgusted by this and believe that it is grossly unfair! 
XXXX XXXX XXXX is the company that creates and loads the gift cards and is the entity who is the ultimate holder of funds on the cards that they manufacture!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-05-23
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:
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2020-05-17
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: Account status incorrect

Complaint:
Ive complained several time on the debt which is not even mine, but XXXX XXXX XXXX  has insisted that it was. XXXX XXXX was the original creditor, that closed the account on XX/XX/2016 which is the time the statute of limitation should have started, not when XXXX XXXX XXXX  finally started reporting it on XX/XX/2016. so this has illegally been reaged to keep it open longer than the law allows. transunion is still illegally showing it as open.

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 2023-04-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2021-04-12
Company: EQUIFAX, 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:
Im submitting this complaint against XXXX  Equifax, anXXXX XXXX due to their total disregard for my consumer rights under the FCRA/FCBA/FDCPA. For several months now, I've been disputing inaccurate and unverifiable information showing up on my credit report by this company. I have requested intimate information about the alleged accounts, including a copy of an agreement with my signature on it, but I have yet to receive anything. These companies continue to electronically verify these " ghost '' accounts without providing any legally binding evidence, such as a signed contract and complete accounting of the record, as required by law. They're clearly lying and thus the reason Im asking for proof. However, these companies refuse to provide it, which is not right and is not compliant with the FCRA/FDCPA. Im absolutely fed up. My life has been in complete ruin as a result of this. It's causing enormous mental and financial distress, preventing me from getting approved from credit that I am rightfully entitled to, and not to mention the ample amount of time that I must take out to try and resolve this matter myself. This has brought a great deal of harm to my family as a whole as well. Ive just had enough! Please help! I hope to hear from you soon.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/2021 Bank of America without warning or explanation placed two freeze on my account by putting an {$880000.00} withdrawal hold on my account. This has put both my personal and my business account into the negative by over $ XXXX dollars. 

My business account is used daily and has checks that go out for payroll. When I called Bank of America, they were unable to give me any reason as to why the account was being reviewed. They also told me that I need to call back in the next 24-48 hours. I asked to speak with a department head or someone who might know which department at least initiated the hold or the review of my account. Again, nothing. No information, just call back tomorrow. In the meantime, my business and my personal health is suffering. 

The direct effect of this is my workers are not getting paid. My $ XXXX that was in my accounts I can not touch even though I've done absolutely nothing wrong. Please help.

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 monetary relief
Consumer complaint received 2020-09-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX XXXX XXXX is reporting inaccurate and old information to my credit report. I am requesting under the provisions of the FCRA 15 USC section 1681i as well as section 609 that this account be removed from my credit report immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I previously asked this company for a investigation and asked this company to provide me with proof that investigation was preform this company filed to provide me with either when i called and asked how is this possible I was told to simply submit another dispute and i thought they have 45 to 60 day dispute process for a reason i have numerous receipt to company 's asking to remove the accounts that don't belong to me. I also submit certified receipts for investigation with no respond. I provide my identification card and social security card as proof of my identity and FTC report and I also made police report and receive a report number. Thanks 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 explanation
Consumer complaint received 2023-03-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AE
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I opened a new credit card and had used it for the past year without issue. Upon receiving a billing statement after the first year, I was charged an annual fee. After consideration, I determined the annual fee wasn't worth the benefits I was receiving from the card. So, I called to cancel the card, citing the annual fee. This was done before the statement due date. The only balance on the card was the annual fee. Bank of America gladly closed my account, cutting off all access to information ( including statements, transactions, online log-in, etc ). Standard industry practice is to waive the annual fee for an account canceled within the grace period of the billing cycle the annual fee is posted in. However, Bank of America refused to waive the annual fee. After shutting me out of my account, they will only correspond by mail and I XXXX the US XXXX on a XXXX XXXX where mail takes XXXX weeks to be received. This means every communication I get from them is outdated. Of course, Bank of America devised a process where they would not confirm that my annual fee was waived, it had to be submitted to some other department for review who would not interface with the customer to answer. By the time I discovered that the annual fee was not waived, I had already been hit with two months of late fees plus interest on the annual fee, resulting in almost doubling the annual fee. After multiple engagements with Bank of America, which were all fruitless as no representatives were empowered to take action, I eventually paid the annual fee with all the charges and have no other recourse than to file a complaint with the CFPB.

Bottom line : Bank of America terms and conditions promised me many things in exchange for the annual fee : earning XXXX XXXXXXXX mileage, a companion certificate, etc. They charged me the fee, but refuse to provide the promised benefits.

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 monetary relief
Consumer complaint received 2023-05-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifable, invalidated, inaccurate, and questionable items that your agency did'nt make sure it was reporting 100 % correct. 

In aaccordance with the Fair Credit reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and U.S. code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

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 2019-03-26
Company: Navient Solutions, LLC.
State: TX
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
The loan company Navient increased my loan interest from 3 % to 10.5 % when I was able to decrease my loan principal to less than {$5000.00}. Then when I lost my job they failed to provided my any program options suitable to my current income. They would not reduce my monthly payment and stated I didn't qualify for any programs even though I was not working for 4 months and my cosigner was unable to aide or available in the US at the time. Due to high monthly payment I was forced to no make any payments during that time. I finally opted to try to settle the claim through refinancing and getting other loan with lower interest rate.

I don't understand how I have been paying soo much for so long and still unable to qualify for any program options. They are rude in very inconsiderate in their service. They continue to bully you and cosigner and family by calling nonstop and almost threatening you to make payments you can not afford at ridiculous interest rates.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-03
Company: Diversified Adjustment Service, Inc.
State: MO
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
My grown son, XXXX XXXX, opened an account with XXXX XXXX. He was estranged from us ( I am his dad ) and he passed away of a drug overdose on XX/XX/2023. A representative contacted me a couple of months back asking for XXXX to recover the amount of {$120.00}. I informed the rep of his death and she said not to concern myself with the debt, and that XXXX would cancel the debt. Then we got a letter for collection from Diversified Adjustment Service in XXXX, MN. The representative there said to contact your bureau and to submit his death certificate. It is attached with the letter that Diversified Adjustment Service sent to us. We are not liable for this debt as XXXX was out of our home, homeless and addicted to drugs when he opened an account with XXXX. Please reference the attached documents for further action.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-29
Company: Experian Information Solutions Inc.
State: NV
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
XXXX of XXXX I reached out regarding inaccurate information on my personal credit reports. I have been notified that my information has been used over 15 times on the dark web ; I was notified by several institutions to look into my credit report and place a fraud alert/freeze. There are multiple errors with my name and address that appear across all 3 platforms. Experian, XXXX XXXX and XXXX. 

My name appears several different ways, also including my previous married name. It states that my spouse is my ex, I never gave a name for spouse. My credit is being affected tremendously by all of the incorrect information posted. 

As for my addresses; there are over 17 different spellings of my name that I asked to be corrected as well. After printing out new reports today, I notice everything is still showing as if I never contacted anyone. 

I also noticed after printing out 132 pages on this report that the inquiries listed are insane. I have requested for this to be taken care of as well.

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 2023-07-03
Company: Westlake Services, LLC
State: MS
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
I have been in contact with Westlake Portfolio since XX/XX/XXXX. I have paid the last payment on my car. I have called in XXXX and they said I was going to receive my title by XX/XX/XXXX. I called on XXXX XXXX and they said they had to resend me my title. I have been asking for a receipt or document stating this car is paid off and they said they couldn't send me one. Westlake Portfolio took over American Car Center. I have been more than patient. I have no receipt or documents or no title. As a consumer I should get a receipt or documentation stating that car I paid off in full and awaiting title. It's been 3 months and they continue to give me the runaround. The car is a XXXX XXXX XXXX. Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-15
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
ATTN Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-15
Company: Mr. Cooper Group Inc.
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Due to pandemic in XXXX I put my mortgage in Forbearance. This went into effect XX/XX/XXXX. 

When i initially contacted Mr. Cooper regarding this I was made aware that there are several options available. 

I asked about putting payments on back end of loan. I was told that I could do this. 

When i called back in XX/XX/XXXX I was advised there is no option because of prior modications made on loan. 

I was advised I would have to pay XXXX to restart loan otherwise there are no options or sell house. 

I stated I want to stay in house with my family. 

Mr. Cooper stated at this point there is no help. 

I would like to reinstate loan and either pay some more money towards loan and or put payments on back end of loan. 
Thank you

Company response to consumer: Closed with explanation