BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-18
Company: Experian Information Solutions Inc.
State: HI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I have one line of credit, a XXXX 's credit card since XXXX. I spend {$1000.00} or more a month and always pay my monthly balance. My credit score in the past has always been high. In XX/XX/XXXX I disputed a transaction. XXXX 's told me several times at the time of the dispute and recently the dispute would not affect my credit score. There seems to be no end in sight in resolving the dispute, as it has been 3 months with no update. 

Recently I ran into car problems and found myself needing a new car. Thinking my credit was good, I went to the dealer and was shocked to find out I have no credit score or no history to score on when a report was ran. I then went to 2 other banks, went through the process of getting an auto loan, and was told the same thing. I ran a report on Experian myself, and I have no score. There is a comment on the report for my XXXX 's credit card that says " account in dispute '' and " no transaction history ''. I spend about $ XXXX {$20000.00} a year on my credit card and this is completely false. This has caused me much hardship and forced me to get a loan at a higher interest rate. I'm also looking to become a first time home owner and I have ZERO faith that my XXXX 's credit card will do anything to help my credit. I have tried to call all the available XXXX 's departments I can reach from and was told to write a letter to the XXXX FCRA Credit Bureau Dispute. The department I wrote to does not answer phone calls and only accepts letters. The XXXX 's department I spoke to on the phone can only confirm that XXXX 's does report my credit score, but could not confirm if it was being reported properly.

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 2023-10-27
Company: Experian Information Solutions Inc.
State: TX
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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX Balance Owed : {$31000.00} XXXX  XXXX Balance Owed : {$2900.00} XXXX XXXX Balance Owed : {$31000.00} XXXX XXXX XXXX XXXX Balance Owed : {$510.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-25
Company: JLB CORPORATION
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I inquiried about doing a refinance with Golden Oak Lending after receiving a flyer in the mail, after providing my interest rate I was told that the rate on the flyer was old and they could not do better than the rate I already had, yet they did an credit inquiry after the fact.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-09
Company: Experian Information Solutions Inc.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
After my 2nd attempt to correct my address to include only one address, nothing has changed.

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 2023-05-02
Company: Westlake Services, LLC
State: MT
Product: Vehicle loan or lease
Sub-product: Loan
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 refinanced my loan in XXXX with a different company, the car is now paid off and they are still maintaining a lien in North Dakota. 

I contacted them to get a lien release, and they informed me XXXX XXXX ( who took over the loan ) would have to request the lien release. 

I contacted XXXX XXXX, and they informed I would have to contact Westlake Financial to get the lien release.

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 2020-10-21
Company: EQUIFAX, INC.
State: TX
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 have tried numerous of times to contact the creditor to let them know I have some inaccurate accounts on my credit profile. This is really impacting my life in a very negative way and I am stressed out and do not no what else todo. I would like the accounts to be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-19
Company: BlockFi Inc
State: IN
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
I have requested to withdraw {$180000.00} of my wallet funds out of my account with BlockFI on XX/XX/2022. I have received an email that my transaction is in progress/pending, it states that it takes 2-3 business days for the transaction to process, currently my transaction is still pending to this day as other users have received their funds per social media posts. On XX/XX/2022 i received an email from BlockFi stating that they are pausing withdraws and no actions have been taken since.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-18
Company: LoanCare, LLC
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/2021 my mom passed away. I was the trustee on the account for the mortgage and the estate of my stepfather to take care of my brother. The loan was automatically debited from our bank account each month XXXX 's payment was missed due to financial hardship as my mom passed away XXXX came and I made a payment XXXX came and I made another payment XXXX came and I made XXXX payments then I got a letter from loancare stating that we were taking off of automatic XXXX and that we were alone I tried to communicate with him sending him all the papers that they requested I also tried to make payments for what they said the defaulted and they denied them. I was in communication with I was also in communication with loancare on numerous occasions asking exactly what they needed to be able to bring current I don't understand why we were denied as we were the only living children they also said that they had made my brother the executor of the estate and I just received a letter stating that that was a mistake in their revoking it now and it's 2 years later. Every time I speak to an agent from their office they give me different documents that they need that I've already sent I've sent all documents over six times for them to say that they can't read them they're blurry to I needed one more name change document to each time it's something different so I feel like I've gotten the run around and they're forcing us out of our home and my mom passed away during covid and my brother is XXXX and I am his XXXX. I went to the title company who has named my mom on the title for the loan company doesn't show her anywhere.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-13
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
Person named XXXX XXXX withdrew {$6300.00} from my missing check. I went to the bank to report the fraud but wellsfargo denied as it was not 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 explanation
Consumer complaint received 2023-07-18
Company: WELLS FARGO & COMPANY
State: UT
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I just want to explain something to Wells Fargo I am not trying to money grub the company I find it very frustrating that they do t see the whole picture and when I took them to court I thought {$150000.00} was too much and here I am now to explain why I did that I didnt want that kind of money I was trying to get my point across and because of how they handled the situation i was upset I thought of only {$10000.00} in compensation and damages towards my XXXX it was handled improperly and Im hoping for a resolution for this matter Im hoping to receive a check for up to {$10000.00} that be very nice and accomodating for this matter and I want to appologize for scaring Wells Fargo with that crazy number I think {$10000.00} would be feasible for this matter now that this federal court is dismissed we can work out a deal with Wells Fargo and take care of this hoping to get up to or around {$10000.00} in compensation thanks

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 2022-11-19
Company: LOBEL FINANCIAL CORPORATION
State: CA
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. 
Account name : 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 believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-13
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I sent a letter on XX/XX/XXXX to 3 credit bureaus to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) the credit bureaus are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, and XXXX & I am including it again., XXXX XXXX XXXX ; XXXX, XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX  XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX {$0.00} ; ( Original Creditor XXXX XXXX ) XXXX Balance : {$610.00} ; XXXX XXXX XXXX Balance : {$700.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$200.00} ; XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$18000.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$410.00} ; XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$250.00} ; XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$300.00} ; XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/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 2023-12-12
Company: Chime Financial Inc
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Package never was delivered. Packages in my area are coming up missing left and right. Chime dosent wan na dispute and the merchant is giving me a hard time about refund

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-13
Company: CarMax, 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:
CarMax has been reporting the account below as a charge off for more than 4 years but never received the 1099-C. Demand that 1099-C be forwarded. Attached is payment history being report to reporting agency. Failure to comply is violation rights under FCRA. 

Account Number XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
When I use my credit card or ATM card associated with Bank of America outside of the State of North Carolina or outside of the city of XXXX, they decline the use of the card and consider it Fraud. I have contacted them and explained to them that I am either ordering something on-line or making a subscription purchase, but by then they have already declined the purchase. It seems that they have a very sensitive computer assigned to our account and we can not seem to get it removed. This has been going on for over a year now. Basically, they are denying me access to my funds and not allowing me to spend money from my credit card or access my funds associated with my ATM card and checking account every time they block our ATM card.

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 2023-07-18
Company: Paypal Holdings, Inc
State: MA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
On XX/XX/XXXX, I used my XXXX XXXX to send {$1100.00} to my nephew using Venmo. XXXX has this feature where you can send directly from your checking account to a Venmo recipient. It sends the money as a disbursement to the phone number attached to the Venmo acct. My nephew changed his phone number and the money was sent to his old number. Venmo can not apply it because the number doesn't exist anymore and they cant apply it to his new number, even though its him and hes been verified. There is nobody in the world that has the old phone number. It has been recycled by XXXX. Venmo has not gotten back to me regarding how they are handling it. XXXX as well said they cant recall the money back and it's at Venmo. I have been trying to email and call them but we never get any results. Its been over 6 weeks, and neither I or my nephew have the money. Its in cyberspace.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-31
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:
As I pulled my credit report, I noticed several items that I have no knowledge of. 
By law, a company must contact the consumer for accuracy, arrangements and proof that a debt is the consumers before attempting add it to one 's credit report. There has been many debt collectors adding unauthorized and inaccurate debt to a person 's credit report without following procedures by law. And the only way the consumer has been finding out is whenever they pull there credit report. Also, the credit reporting agencies are allowing them to do so without question. Well the following below debts as showing on my credit report stating I am the person for these are inaccurate. I have not been contacted by none of these debt collectors in any form, I have no knowledge of no such alleged debt and I have no contract or obligation to any of these debt collectors. Also, In some of these debts, HIPAA laws have truly been broken. This is unjust and unfair. I have been in contact with the necessary authorities in the matter. 

XXXX {$64.00} XXXX XXXX {$560.00} XXXX XXXX XXXX {$610.00} XXXX   XXXX XXXX {$720.00} XXXX XXXX XXXX {$800.00} XXXX XXXX {$1000.00}

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 2022-05-04
Company: S&S Physician Services, 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: Old information reappears or never goes away

Complaint:
Hi, My name is XXXX XXXX and I am filing a complaint for XXXX as they have three collection accounts that have been readded back to my credit report 2x when I submitted information pertaining to identity theft, and FTC reports to the bureau. Not only did they fail to disclose my results of the disputes within removing them they readd to the bureaus with no information as to why or no investigation. The three collection accounts I am complaining about is XXXX XXXX XXXX hopsital where there is two collection accounts and an apartment park falls which was a lease opened up in my name. The FTC report # s for these complaints are as follows XXXX, & XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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 information incorrect

Complaint:
According to the IRS charged off debt is gross or ordinary income. Income is not get reported on my consumer report. Based on that information the XXXX Bank of America accounts listed are listed inaccurately. I have reached out to Bank of America all XXXX credit bureaus who have not corrected the issue on my consumer report. This is causing me great hardship

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 2019-01-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
Transunion still not reporting current information on my student loan. Example, on my report dated XX/XX/XXXX, it only reports to XX/XX/XXXX. XXXX XXXX Borrower, states they report to TU. Transunion blames XXXX XXXX. It isn't accurately reported, still.

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 2018-08-31
Company: Navient Solutions, LLC.
State: OK
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I get repeated phone calls from different numbers related to the company I have my student loan through. Today, XX/XX/XXXX, I have already received 4 calls as of XXXX. Yesterday, XX/XX/XXXX, I received 6 calls for the entire day. They will also call me using different numbers either out side of my state or in my state.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-12
Company: Incomm Holdings Inc.
State: CA
Product: 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 contacted Visa VanillaGift.com and XXXX XXXX customer service on XX/XX/2023 regarding an issue with the full 16 digit card number not fully displayed on a {$100.00} gift card I received as a gift for my birthday, and I could not activate the card because the card had been tampered with. I was unsuccessful reaching a resolution with Visa Vanillagift.com or XXXX XXXX because I was told there was nothing that could be done if I was not the original purchaser of the card.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-12
Company: ACIMA CREDIT, LLC
State: CA
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 initiated a credit dispute with Acima XXXX XXXX creditor regarding an account on my credit report. Both accounts have a XXXX balance however, it is showing missed payments that are inaccurate. I reached out to the creditors to have the late payments rectified but unfortunately, my request was denied. The creditor has not taken the necessary steps to remove the late payments and provided a vague explanation to why the late payments can't be removed

Company response to consumer: Closed with explanation