BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-11-18
Company: Experian Information Solutions 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Recently i received a copy of my Experian credit report and noticed an unauthorized opened account from XXXX added to my credit file, i did not give permission for Experian or any one else to run my credit, i did not apply for loans or any credit cards with XXXX. Experian gave XXXX credit card company access to my credit file without my permission. there is a XXXX account that is reporting balances and late payments in my Experian credit file that do not belong to me and when ever i talk to Experian they blame XXXX and when ever i talk to XXXX they blame Experian saying they must have my file mixed up with someone else 's, and no matter how many times you contact either party. they keep blaming eachother, i feel as if i'm not getting any real investigation.

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 2023-06-05
Company: Experian Information Solutions Inc.
State: MD
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:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

PLEASE SEE ATTACHED 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 2021-07-04
Company: Blackhawk Network Holdings Inc.
State: NV
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 have used 5 XXXX XXXX over the past one year. I always had an issue with spending the last dollar or two. I contacted customer support and they do not know why I can not use this. I tossed these cards. This is the 5th card and I decided to report the problem. 

I can check the balance ( XXXX cents ) online ( see attached ) but unable to use this online or at store. I tried at XXXX, XXXX XXXX, and XXXX XXXX XXXX  XXXX. At cash out, I asked the associate to put numbers manually and run this as credit. It just does not go through. 

I could toss this one, but this is not fair. This is WRONG.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-07-05
Company: Self Financial Inc.
State: MA
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: Their investigation did not fix an error on your report

Complaint:
I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-05
Company: Square Inc
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
XXXXI went to purchase2 items from XXXX XXXX XXXX one in the amount of {$29.00}, and the other in the amount of {$88.00}. After receiving the items neither item was in working condition. I reached out to XXXX XXXX XXXX via text message and requested my funds back, which XXXX XXXX ignored my messages. I reported this issue to Square, Cash App, which is where the transactions were made threw and they informed me there was nothing they would or could do.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-17
Company: BANK OF THE WEST
State: AZ
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:
In response to Complaint XXXX, the creditor stated that they used information concerning a previous bankruptcy in arriving at their decision. This information was concerning Chapter XXXX that was initiated over seven years from the date of my application for credit. When making the decision to pursue a 100 % payment plan, I was advised by legal counsel that this would allow me, upon plan completion, to receive a " fresh start '' seven years from filing. After making payments of {$4600.00} a month for nearly five years to complete the plan and receive a discharge, I am being told by the creditor in the above cite response that I have to maintain a high credit rating for an additional two years resulting in an over nine-year wait to receive a " fresh start ''.

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 2021-07-05
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: Information belongs to someone else

Complaint:
Ive disputed the two Bankruptcies with Trans union XXXX  and XXXX that doesnt belong to me. Yet they say its verified and to be mine, Ive spoke to the XXXX  court and they dont even give this type of information with credit bureaus so how is this being verified. Please remove these items they are inaccurate and incorrect. I XXXX XXXX XXXX  have found XXXX XXXX XXXX  to be on my report as a third party representative for me again these are not mine Please remove as I have not authorized these people to represent me this again does not comply with the FCRA. Remove immediately if these where mine the information is doesnt report the same dates as other bureaus and needs to be removed.

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 2019-09-27
Company: WELLS FARGO & COMPANY
State: FL
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
After telling my lender about the details regarding my foreclosure years ago, he brought to my attention that I had been seriously cheated into foreclosing and told me about the CFPB, strongly recommending that I file a complaint to have the foreclosure removed from my credit history. In short, Wells Fargo refused to take funds from a XXXX veteran program that took me two years to get approved for. The funds were designed to help XXXX veterans who had lost over 50 % of the home 's value in the XXXX-XXXX financial collapse. After months of being passed around from section to section within Wells Fargo, I was advised by a realtor to stop paying my mortgage payment in order to give them incentive to accept the funds that were delegated by the HAP into a safe trust account to pay off my loan. After months elapsed, they were still unwilling to let me pay off my entire mortgage with the funds, at which point I was unable to catch up on payments and was forced into a foreclosure. My wife and I are currently trying to buy a home and the foreclosure that happened years ago is completely preventing us from getting approved. I am requesting that any and all history of my foreclosure be removed from my credit report. Please see attachment of my approval letter for 100 % loan pay off. I have more records of this spanning over the two year period in which I did everything in my power to encourage Wells Fargo to accept the funds from the XXXX XXXX XXXX XXXX ( program is called the HAP or Home Owner 's Assistance Program ). I contacted my congressman, local news channels, visited three branch head managers, etc. For years I thought I had exhausted all of my options until just recently finding out about the CFPB. Any help on this matter would be greatly appreciated.

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 2022-12-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 XXXXXXXX XXXX XXXX XXXX # XXXX and 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 2021-07-04
Company: Rocket Mortgage, LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
A representative of Rocket Mortgage, XXXX, contacted me about a prequalification. I stated on a recorded line multiple times that I did not want my credit pulled as we had not even began to look at houses. After the call was terminated, my credit report and my wifes credit report was pulled by Rocket Mortgage. I immediately called and demanded to know why my report was pulled without permission. I received an email stating they would investigate, and have not heard back. Since the call, I have multiple alerts that my credit report is being pulled.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-10
Company: JPMORGAN CHASE & CO.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On XX/XX/XXXX a person who claimed to be an owner of a home and was renting it via XXXX sent an email to us after we were interested in it. They claimed to be the owner XXXX XXXX, and sent us a rent questionnaire. My son was the the one who was answering the email replied to all the questions and sent it back to them. They talked back in forth answering questions, they later told us they would have a final decision on who will rent the home. A day later they told him that we had won them over and that we will be able to rent the home. At this point I gave them my trust as they sent a whole paragraph with the word of XXXX, and being religious I believed them. 

The email told us to send in the security deposit of {$1900.00} and that way I would secure the home to me. They assured us that they would send the key to me once that is done. They then told us to send it to a man name XXXX XXXX who they claimed was his account manager, along with his email XXXX through XXXX. My son sent it to them thinking we were about to get the keys to my new place. But a day later he received another email saying that their attorney wanted the first months rent of {$1900.00} for this to be legal. We complied as I was still sure that I would get the keys. My son sent the money through XXXX to who he claimed was his wife XXXX XXXX with her email being XXXX. 

Days past and it has been over a week from when the money has been sent with no response back. We have reached out multiple times, but nothing. Nothing has come through the mail either, as they claimed the keys would be sent to my address. I am now sure that I have been scammed and robbed of {$3900.00} by these people. 

Chase and XXXX have both told me that they won't recover my money. They said they couldn't dispute it. So what they did was try to contact the recipients bank to make a dispute with them. They later sent me a letter saying nothing can be done. Although this should absolutely fall under fraud, I have been robbed of {$3900.00} and they won't do anything about it, and they would rather protect the criminal.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-05
Company: CMRE Financial Services, Inc.
State: NJ
Product: Debt collection
Sub-product: Medical debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
the account CMRE for XXXX is unknown to me, also the the account medical revenue systems is clear violation of XXXX HIPPA since there can be no permissible business purpose in divulging protected health information to anyone on an account once there is no longer any payment due. In addition the new Omnibus Final Rule states : when patients pay out of pocket in full, they can instruct their provider to refrain from sharing information. This letter serves as that instruction.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-29
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: Information belongs to someone else

Complaint:
Several accounts that show up as closed are on my credit reports that aren't mine. The following accounts are : 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 2023-11-12
Company: EdFinancial Services
State: MA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
How am I supposed to pay with a XXXX balance. Change my wording. So I can my appartment waiting all these yea

Company response to consumer: In progress
Consumer complaint received 2023-12-08
Company: Protas, Spivok & Collins. LLC
State: VA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
I received a letter today. First response ever from this company. 
Protas, Spivok & Collins in regards to an account / debt with XXXX XXXXXXXX XXXX XXXX XXXX Debt Section XXXX XXXXXXXX XXXX  Never heard of them. Never had an account with them.

Company response to consumer: Untimely response
Consumer complaint received 2019-07-08
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I am submitting this complaint against, XXXX XXXX XXXX, for re-reaging a debt, through false reporting of information to Credit Reporting Agencies.. According to Experian 's information contained in my credit report as of XX/XX/XXXX : XXXX XXXX XXXX reports on Experian : Account opened in XX/XX/XXXX. Balance : XXXX Balance Updated : XX/XX/XXXX ( It should be noted, no payment has ever been made on this debt, after XX/XX/XXXX XXXX This was an account XXXX XXXX XXXX purchased from XXXX. The original account was written off. Below are the basic details of the original account as reported by Experian. Original Credit card account details : Creditor : XXXX. Account XXXX : XX/XX/XXXX. Balance : XXXX Last Payment made : XX/XX/XXXX Current Status : Written off/Closed. This information confirms that XXXX XXXX XXXX, purchased a debt from XXXX, which had been established as Charged off. XXXX XXXX XXXX then re-aged this debt, by reporting to the Credit Reporting Agencies during XX/XX/XXXX, that this debt was opened on XXXX. This is beyond the 6 month period between the last payment made and the account being charged off ; Furthermore, according to the original debt holder, XXXX 's own reporting shows this account was not written off and closed until XXXX, after the date XXXX XXXX XXXX XXXX the debt began. This will cause the debt to remain on my credit report beyond 7 and a half years, possibly longer as XXXX XXXX XXXX seems to continue to report updates to the balance and has already increased the original balance of the debt from XXXX as reported by XXXX, to 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 2023-02-16
Company: MOHELA
State: SD
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
*Approval of the PSLF was received XXXX XXXXXXXX on XX/XX/XXXX XXXXBefore forgiveness was finale the loan servicing transfered to Mohela *Mohela claims not to have any of the paperwork for this PSLF program and require me to resubmit all of the documentation *Mohela has given 30 day timelines to respond and no response has been received *I am still having to spend hours on hold multiple days per week attempting to reach anyone at Mohela who can assist *My loans are still not forgiven as previously approved for the PSLF and as of XX/XX/XXXX I am being told I now no longer meet the qualifications XXXXMohela has mismanaged my loan documentation and will not follow up as promised. They are providing disconnected phone numbers and not responding

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-03
Company: AXOS FINANCIAL, INC.
State: KY
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:
XXXX XXXX is not following the laws of the FCRA, they have decided to leave a fraudulent account on my XXXX XXXX report and the have never provided me with proof bearing my signature proving the fraudulent account with AXOS Bank. Axos bank has corresponded to me twice stating that they have never received a dispute from XXXX XXXX. I have included the correspondence. It is evident that one of the parties are lying and the parties need to be held accountable for this and the fraudulent item on my XXXX XXXX report needs to be removed immediately! 
The dates of all of this is from XX/XX/2021 - Present XX/XX/2021 CONSUMER ID : XXXX the statement following is what was sent to XXXX XXXX : I HAVE ALREADY FILED A DISPUTE WITH XXXX  ON THIS ACCOUNT AND ACCORDING TO XXXX YOU STATE THAT IT IS VERIFIED YET YOU DID NOT PROVIDED ME WITH THE DOCUMENTATION USED TO VERIFY THIS FRAUDULENT ACCOUNT. I NEED VERIFICATION AND PROOF OF MY SIGNATURE ON ANY OF THE FRAUDULENT BANK DOCUMENTS. I HAVE SENT YOU MY FTC IDENTITY THEFT REPORT WHICH YOU HAVE COMPLETELY DISREGARDED THE FCRA 'S RULES AND REGULATIONS IN WHICH YOU SHOULD BE FINED. THIS SHOULD BE REMOVED IMMEDIATELY AS THIS FRAUDULENT ACCOUNT HAS PREVENTED ME FROM OBTAINING A BANK ACCOUNT. I HAVE NEVER HEARD OF AXOS BANK UNTIL I SAW THE FRAUDULENT ACCOUNT ON MY REPORT IN XX/XX/2021. I HAVE ALSO BEEN IN CONTACT WITH AXOS BANK AND THEY HAVE INFORMED ME ON 2 OCCASIONS IN WRITING THAT AS OF XX/XX/2021 THEY HAVE NEVER RECEIVED A DISPUTE FROM XXXX. SO I HAVE THE PROOF TO PROCEED WITH A LAWSUIT BECAUSE THE LETTER FROM AXOS BANK STATING THEY HAVE NEVER RECEIVED A DISPUTE FROM XXXX ON 2 DIFFERENT OCCASIONS IS CLEARLY STATING THAT EITHER XXXX OR AXOS BANK IS LYING. PROOF WILL BE ATTACHED. YOU HAVE 15 DAYS TO VERIFY THIS INFORMATION AND TO PROVIDE ME WITH A DOCUMENT BEARING MY SIGNATURE. IF YOU CAN NOT, I AM DEMANDING REMOVAL UNDER THE FCRA. EITHER AXOS BANK OR XXXX IS COMMITTING A CRIME BY XXXX LYING AND SAYING THAT YOU VERIFIED MY INFORMATION AND OR AXOS BANK LYING SAYING THEY HAVE NEVER RECEIVED A DISPUTE. WHOMEVER IS NOT TELLING THE TRUTH IN THIS MATTER IS VERY UPSETTING AND THIS TIME IS GOING TO BE RESOLVED BY REMOVING THIS FRAUDULENT ACCOUNT OFF OF MY REPORT. I AM FILING WITH THE APPROPRIATE AGENCIES TO GET THIS RECTIFIED IMMEDIATELY.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-04
Company: T.S. Holdings
State: TX
Product: Debt collection
Sub-product: Rental debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
My information was given to a third party who have not contacted me in no way I called to have debit verified and was told you need to pay we will send this to the credit bureau!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-05
Company: Genesis FS Card Services, 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 XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions, 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation