BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-31
Company: Blackhawk Network Holdings Inc.
State: VA
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 from XXXX This site is owned by Blackhawk Networks and is currently the subject of a class action lawsuit for a massive data breach. This company has a 97 % negative rating at various sites like XXXX XXXX for a series of tactics designed to prevent consumers from being able to use the card. These cards are often issued to consumers by airlines which is where the bulk of complaints come from. My card is activated yet declined everywhere. I was unable to add the card to XXXX XXXX. Their app, whose sole purpose is to facilitate this doesnt work and appears to be a trojan that collects personal information from devices. Ive spent 3 hours on the phone with them, and that phone system which is often down is designed to prevent consumers from resolving issues. Once I was able to speak to someone, they were unable to provide me with information about where the card is accepted despite telling me it only works at certain retailers. This is despite it carrying a XXXX logo. The site is deliberately misleading, and despite my having an activated card and access to the card number, XXXX and expiration date both the site and the company tell me I had to create an account, and provide them with personal information to use it. That has had no affect, but their terms of use states that they will use this information for marketing. This is for a pre-activated digital card I was given as a gift. Their customer service people have also demanded information about the computers that I own, operating systems, etc. My experiences are very similar to other peoples. The case I opened with the company was automatically closed with no resolution. One of this companies other sites, giftcards.com suffered a major data breach in 2020. I believes that this company relies on a tactics to ensure that a certain percentage of consumers will give up on getting their money which Blackhawk will then pocket.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-22
Company: ALLIANT CREDIT UNION
State: NJ
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
On XX/XX/XXXX I sent payment to Alliant Credit Union for {$350.00}. Payment was due XXXX  I then received notice they never received my check and was charged a {$25.00} late fee. I sent to them a copy of the cashed check and to date they have not not fixed the credit reporting or reimbursed me for the late fee.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-19
Company: SYNCHRONY FINANCIAL
State: MO
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 two different hard inquire and I recognize one it was my credit card from walmart in XX/XX/XXXX but i nave otherone from XX/XX/XXXX and I receive a letter that both are the same it doesnt make same to me in my credit report i need to get a accurate result. 

Synchrony XXXX, GA XXXX ( XXXX ) XXXX It was XX/XX/XXXX. It is not mine. 

Institution Information XXXX/walmrt XXXX, FL XXXX ( XXXX ) XXXX This is my walmart credit card from XX/XX/XXXX. 

More question i got a letter from XXXX  XXXX  but i dont know what i need to do in order to clean or remove this inquiries. 

XXXX XXXX Cards they made mistake because they opened two different cards the same years and i used only one the other one was by error. 

Last issue that i have is XXXX XXXX XXXX Inquiry from XX/XX/XXXX National Credit Card Cos. i dont have contact information in order to fix this inquire. What i need to do I will appreciate your 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 explanation
Consumer complaint received 2022-10-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my XXXX request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXXXXXX 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 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 XX/XX/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 2018-05-22
Company: ERC
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
They are calling me at work and I told them I'm not allowed to receive personal calls at work.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-31
Company: Experian Information Solutions Inc.
State: PA
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

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 2022-12-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

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 2022-10-27
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
This is my several 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 Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX {$1800.00} ; XXXX XXXX Balance : {$4500.00} ; XXXX XXXXXXXX Balance : {$7800.00} ; XXXX XXXX Original Creditor : XXXXXXXX XXXX XXXX  ) XXXX Balance : {$2900.00} ; XXXXXXXX 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 2021-05-26
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: WI
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
BMO Harris claimed to have sent me {$200.00} in error due to a promotional promise. I opened up my account and was under the impression I would be getting {$200.00}. But when they did deposit it they claimed it was an error. Now they are charging me {$35.00} for overdraft fees as I STARTED TO SPEND THE MONEY THEY OWED ME. They also have my account negative {$50000.00}. My account should never be negative {$50000.00}. This is ridiculous. BMO Harris also sent out a {$50000.00} check without my permission to XXXX XXXX. They did not provide me with any tracking numbers or proof that they sent out this check other than their word. Their word is not good enough as they already stepped over their boundaries with my account. Now XXXX  XXXX is claiming they don't have the check and has not received it. BMO Harris being careless with my funds and trying to make me pay unnecessary fees behind it. I opened up my account during a promotion. If I was not guaranteed that money they should have never put it in my account. I spent most of the funds and am now negative in my account due to their error. And they have the nerve to charge me a fee as if they didnt already put me through enough. I have XXXX and XXXX  behind this. BMO Harris should have never made me feel like a criminal and tell my that my PO called up there. I record my calls. Their comments towards me caused me to flip out and get admitted into a hospital.

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 2023-09-14
Company: Commonwealth Financial Systems, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
2 days ago I was notified by my XXXX app there was an account listed for unpaid for XXXX. I called and inquired information from XXXX, I was able to locate the company out of PA ( common wealth financial ) the lady asked me to pay the amount owed, I told her I did not believe the debt was mine from 2017 because I never went to a doctor in XXXX. I have managed to build my credit to XXXX in the last XXXX years I never pay anything late and XXXX aware of anything I XXXX have owed. They have caused fraudulent information on my account causing it to go down XXXX points. 
XXXX the account XXXX at common wealth financial then told me if I couldnt pay XXXX to pay XXXX, or XXXX to settle it. I believe this is a scam because I have successfully disputed any old medical bills during Covid time, I believe they XXXX have bought false information in order to take my money. My lawyer and I asked for proof of payment/ bill I never received one, and it shows negative for XXXX. I have filed fraud with my credit advisors, as well as let the company know this is not my debt. I was instructed to file with the ftc.gov as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-22
Company: Southwest Recovery Services, Inc.
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Southwest Recovery Service is keeping an amount of {$310.00} in collection on my credit report. I had a retail business until four years ago. I closed the business in XXXX XXXX XXXX and returned the XXXX XXXX XXXX XXXX XXXX XXXX. I have absolute proof I returned their credit card terminal. Suddenly in just the last two months this collection popped up in my credit report. I sent my proof which includes shipping label and receipt to Southwest, and Southwest said they forwarded what I sent to XXXX. I called XXXX and was told they know nothing about a four-year-old charge. I was a little irate when I called Southwest back, and since the collector didn't like my attitude, he said he would keep it on collection for 7 years. So far, they have. 
I believe all of the problem stems from my account with XXXX XXXX XXXX which is/was a subsidiary of XXXX XXXX. XXXX XXXX was charged by the Government, and may not be in business. Should have filed a class action suit when I had the chance. My acct # with XXXX leasing was XXXX. Somehow, Southwest is picking up old accounts from XXXX and trying to collect.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-23
Company: EQUIFAX, INC.
State: MO
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 response to consumer: Closed with explanation
Consumer complaint received 2023-05-23
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:
I sent a letter regarding inaccurate and misleading things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my dispute. Section 611 ( a ), it is clearly stated that a failure to investigate these items within 30 days give 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 removed immediately or I will file for litigation due to the stress you caused in my life. My Information was also impacted by the EQUIFAX data breach and may have got into the hands of the wrong person .... In the recent investigation brought upon EQUIFAX, I found that my consumer file is being irresponsibly tampered with. Over the past 6-12 months I made several attempts remind them of there duty pursuant 15 USC 1681 . I feel they are intentionally and willfully being neglectful in my request. 15 USC 1681e ( b ) assures that I am due, promised accuracy in my consumer report based on Federal law. This is another attempt to have these errors corrected. 15 USC 1681i ( A.5 ) states after the reinvestigations all of the unverified information must be promptly removed and blocked.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-22
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 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 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 non-monetary relief
Consumer complaint received 2022-04-22
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have tried to remove these fraudulent inquiries from my credit report that wasn't authorized by me. 

XXXX XXXX XXXX XXXX XXXX, XXXX XXXX & XXXX XXXX XXXX XXXX XXXXXXXX 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, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
numerous fraudulent accounts have been linked to my file that do not belong to me

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 2023-10-10
Company: EQUIFAX, INC.
State: AR
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'm not associated with these creditors and I never initiated this inquiry. I urge you to promptly delete it from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-22
Company: Experian Information Solutions 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:
" In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : -OXXXX 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 XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX { Medical Subject has not satisfied debt., Collection/Chargeoff, Collection } XXXX -Untitled { Medical Subject has not satisfied debt., Collection/Chargeoff, Collection } XXXX -Untitled { Medical Subject has not satisfied debt., Collection/Chargeoff, Collection } XXXX -Untitled { Medical Subject has not satisfied debt., Collection/Chargeoff, Collection } XXXX -Untitled { Medical Subject has not satisfied debt., Collection/Chargeoff, Collection } XXXX -XXXX XXXX XXXX XXXX XXXXXXXX XXXX5 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 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 2022-01-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 I made a compliant with CFPB and this information is still on my report and is very inaccurate. The XXXX account is appearing as a charge-off without the XXXX day report. Further, this account allegedly was opened in XXXX and there is no history being reported. I disputed and filed a complaint on XX/XX/XXXX and provided reports as well as letters that were sent certified mail and this account is still being updated and verified on my report and shows many inconsistencies and inaccuracies. 

The XXXX account has many inaccuracies as well and comes back verified and updated. It is missing payment history as well as the ND shows that there are inconsistencies in the source of this information. I have asked Transunion to provide me with the source of where they are verifying these accounts and they failed to do so.

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 2019-03-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IA
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:
A XXXX XXXX account # XXXX Date opened was XX/XX/2017 and the first reported was XX/XX/2017 with a 6 month terms and that with was convert to close status of XXXX that was written off or purchased by another lender by the name XXXX XXXX   and account # XXXX I HAVE SEND ALL THREE CREDIT BUREAU PROOF OF IDENTITY THEFT, POLICE REPORT AND MY XXXX XXXX DATE PAPER. I HAVE BEEN XXXX FOR LAST 15 YEAR AND WAS 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