BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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: Problem getting your free annual credit report

Complaint:
The Annual Credit Report phone number 's phone tree and voice recognition system at the number they direct you to ( XXXX ) is so atrocious that I am not sure if they are even abiding by basic federal regulations to ensure that Americans can properly rectify issues with accessing their credit reports through the website. I repeatedly called this number and had the system misunderstand what I was saying each time. I do not even have a strong accent and have completed all of my education in the United States from daycare through law school. I am not sure how anyone with the slightest accent can use their telephone system. 
The system then ends up hanging up on you rather than directing you to an agent if you keep designating that it is misunderstanding you. This might even be deliberate so they can attest to the Federal Government that they are providing a phone option while programming it so horribly that no one can actually use it. 
On XX/XX/2023 I went on annualcreditreport.com to access my credit reports. I successfully was able to pull my XXXX and XXXX credit reports. However, I received an error message when attempting to pull my TransUnion report. It then directed me to either submit my request through the mail or call the number. 
I am still unable to access my TransUnion report because the phone system does not work.

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 2021-06-15
Company: AMERICAN EXPRESS COMPANY
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:
I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-07
Company: MOHELA
State: IN
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:
Prior to my PSLF loans being transferred from XXXX  LXXXX to Mohela, XXXX  XXXX wrongly rejected one of my employment verfications ( dated XX/XX/XXXX ). In XX/XX/XXXX, I resubmitted the form to Mohela, got no response. Submitted a new form in XX/XX/XXXX that included all the months up to and after the XX/XX/XXXX submission. That form eventually got tagged as a duplicate, despite including more recent months and having a different date. I emailed them in XX/XX/XXXX explaining it was not a duplicate and the dates were different. They did not respond. At that point I wasn't sure what was happening with the form, it didn't show as rejected. I waited longer, by XXXX it was still not processed. I called them again in XXXX and the rep said my form had wrongly been marked as a duplicate, she would resubmit it and it would process in 14 days. One week later I get an email that I'm still not eligible for PSLF loan forgiveness because I don't meet the 120 month count. But if they give me credit for the months I've submitted, I far exceed the 120 months. I called again, and they told me I'd have to wait another 50 days. At this point, I'm at 145 eligible payments, and the only thing saving me is the freeze on loan payments. Their customer service is horrible. They don't respond to emails, despite giving that as an option for communication. For months after the loans were transferred you couldn't get any human on the phone. Now you can reach someone, but they seem incompetent to do anything. They just recite canned language to you and don't problem solve an issue. I have $ XXXX in loans that are overdue for being forgiven and I've submitted all the required paperwork OVER and OVER. I have not been given credit for public service employment since XX/XX/XXXX, despite continuous employment and verification.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-29
Company: R & B Corporation of Virginia
State: VA
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:
XXXX XXXX XXXX XXXX Account XXXX I In accordance with the fair credit reporting act the list of accounts below has violated my federal protective consumer rights to privacy and confidential under 15 USC 1681 15 USC 1681 section 602 A States I have a right of privacy 15 USC 1681 Section 604 section 2 It also steaks a consumer reporting age can not furnish a account without my written instruction.

15 USC 1681c ( a ) ( 5 ) Section States No consumer reporting agency my make any consumer reporting contain any other following items of information any other adverse items of information other than records of conviction of crimes which antedates the report by more than 7 years 15 USC 1681s-2 ( A ) ( 1 ) A person shall not Parrish 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 in accurate This is the 3rd time I have acknowledged them about these accounts on my credit file this documents is use for evidence of XXXX XXXX not complying with the consumer law if not remove immediately I will be filling for damages with the law

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
It was XXXXt loan from XXXX and they sold my information to another XXXX XXXX XXXX XXXX company with out my consent and now report XXXX XXXX XXXX  report late payments and wrong information on my credit report when acct was in good standing and no late payment

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 2023-01-07
Company: Source Receivables Management LLC
State: MI
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:
I am rejecting this response because : this account was removed from my credit report and put back on according to 15 Us code 1681i subsections ( 5 ) ( b ) ( I ) If any information is deleted from a consumers file pursuant to subparagraph ( A ), the information may not be reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies that the information is complete and accurate. Also ( 5 ) ( b ) ( ii ) Notice to consumer If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify theconsumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by theconsumer for that purpose, by any other means available to the agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-13
Company: Bread Financial Holdings, Inc.
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
My real problem is that my credit card company has not provided me with a statement for the month of XXXX of this year, but the questionnaire you have here at the cfpb does not include that specific option. Anyway, I'm enrolled in paperless billing with my CC company, but they have not yet made available my statement for the month of XXXX. The XXXX and XXXX statements are available for me to review online, just not the one for XXXX. I already called the company to bring this issue to their attention, and even though they have not yet provided me with a paperless copy of my statement ( either online or sent via email ), they mentioned that they would provide me with a printed copy of it and send it via postal mail. Today I have received a letter in the mail from my CC - the envelope includes a cover letter stating that enclosed is a copy of my billing statement, however there are no other documents enclosed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-06
Company: Block, Inc.
State: MI
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
On XX/XX/XXXX at XXXX, I initiated an instant money transfer of {$100.00} from my CashApp account to my XXXX account. CashApp posted the transfer as completed ; however, the money never appeared in the account that it was transfered to. 

I've spoken with XXXX, who very clearly stated they couldn't find any record of the {$100.00} transfer. I've talked to many of the CashApp customer service reps and they've " investigated, '' but keep telling me over and over again that " the transfer was completed '' and insisting there was no error on their end. And yet, I still don't have my {$100.00}. 

I'm already very strained financially... I can't afford to lose {$100.00} over a bank 's error. I'm not demanding anything unreasonable - I simply want my money returned to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-06
Company: HOPE BANCORP, INC.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
Over the past few months, I've had someone deposit money into my bank account and get a bounce, but no one has actually deposited the money.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-30
Company: Incomm Holdings Inc.
State: IL
Product: Credit card or prepaid card
Sub-product: Gift card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
purchased vanilla gift card for {$200.00} near end of XX/XX/XXXX to make a purchase with XXXX. i placed order with XXXX to find out the card had XXXX balance. i called and placed with vanilla a dispute that the dollars had been stolen. i received email stating my signature form had been received and could take up to 90 days to resolve. i followed up with a call on XXXXwas told it was in progress. called again XX/XX/XXXX, was told to call back 24 to 48 hours to get results of dispute. called again XX/XX/XXXX, was apologized to but asked for another 24 hours and call again. called again XX/XX/XXXX, now they are saying i did not return the required signature so nothing has been done. i have been very patient up to XX/XX/XXXX but now i am just getting a run around so i am filing this complaint

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

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 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 non-monetary relief
Consumer complaint received 2023-10-06
Company: U.S. BANCORP
State: LA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I called several Different times on XX/XX/23 - XX/XX/23 about my new checking account with US Bank being frozen. I opened this account because I have an account with XXXX and they do not use XXXX. I had a pay card with US Bank so decided to open a checking with them. I have no branches near me as I live in XXXX XXXX. The closest branch is over XXXX miles away in XXXX XXXX XXXX, XXXX. They said I had to go in person to a branch with my lD no exceptions. This is unacceptable. There must be another way to prove my identity. I have not received my bank card as of yet, but hoping that will arrive soon.

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: American Location Specialists
State: WI
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
This company called ALS states I owe debt but said my time has expired and they are calling for verification of my address to serve me a lawsuit. When I asked about the debt they said that they already mailed me the information and that they would not do that again. Said they could only email but never did. " XXXX XXXX '' stated that he contacted my mortgage company and talked to someone to put a lien on my mortgage and that they contacted law enforcement because I did not pay my debt. Keeps calling me and family members and said the paperwork is filed with the courts. Told me good luck on last phone call on XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-20
Company: WELLS FARGO & COMPANY
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
Wells Fargo allowed a charge {$74.00}, from something listed as XXXX * Newspaper, to be paid. It was an unauthorized charge. 

Further investigation, ok we XXXX the payee, shows that this particular charge is a well-known fraud issue going back years. 

Even if I have been a victim of identity theft and the criminals presented the appropriate credentials, Wells Fargo should know -- or should have known -- that this charge is behind a fraud. 

Check it out : XXXX XXXX XXXXXXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-07-03
Company: Bread Financial Holdings, Inc.
State: TX
Product: Credit card or prepaid card
Sub-product: Gift card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting a working replacement card

Complaint:
I had like five open accounts with a Comenity Bank. At the end of XXXX my wallet was stolen. There were no fraudulent charges on the account and I reported it the next morning. They told me that they were going to close the accounts and send me new cards unbeknownst to me because of because of a previous negative experience I am unable to open up a new account And I am also unable to get any answers as to what the previous negative experience was. I have called many times to Comenity Bank, and Ive spoken with customer service and even a manager who has told me that there is some thing going on behind the scenes that is unbeknownst to me And they will not give me any information as to why they can not open me up a new account. Now when I had my accounts open, I only missed one payment and I paid it as soon as I figured out that I missed it in the whole two years that I had the accounts open, my credit scores at a XXXX although my balances are pretty high on the cards, I am frustrated because Im not getting any answers from anybody as to what is negative experience was and why they can not reissue the cards and open up the a new account. I feel like they are discriminating against me because I had my wallet stolen.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-08
Company: Experian Information Solutions Inc.
State: TN
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 ; Experian and XXXX are incorrectly reporting me as an Authorized User on XXXX partial account number XXXX. ( Please see page 5 of the attached credit report. ) I called the bank and let them know that I did not give permission to be added as an Authorized User on this account. I have contacted the ( 3 ) bureaus to fix this issue, but I have not been successful. This negative reporting is harming my credit score and these line items needs to be removed from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-29
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Please review the uploaded letter. There are inquiries on my credit report that I did not initiate or authorize.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-28
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In Accordance with the Fair Credit Reporting Act. The list of accounts below have violated my federally protect consumer right to privacy and confidentiality under U.S.C 1681. 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 report agency can not furnish an account without my written instructions. 15 U.S.C 1687c. ( a ) ( 5 ) Section States : No Consumer report agency may make any consumer report of the following items of information. Any other report 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 reporting agency if the person knows or has reasonable cause to believe that information is inaccurate. 

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Please review the uploaded letter. There are inquiries on my credit report that I did not initiate or authorize.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-06
Company: HYUNDAI CAPITAL AMERICA
State: AZ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
When we purchased our vehicle, the payment date was set up for the XXXX of the month, we had requested the payment be changed to the end of each month, which was done with the first payment being due the end of XX/XX/XXXX. 

In XX/XX/XXXX Hyundai Finance changed our due date to the XXXX and charged a late fee for the payment not being received by their new due date. I called Hyundai Finance to inquire why they had changed the due date, they alleged that I had requested for the date to be changed. I did not and would not, neither my husband nor I would have ever done this. They refused to change the date back to the agreed payment date. 

A couple of weeks ago I again called Hyundai Finance to have my due date corrected and changed back to the end of the month. I explained that I had XXXX on XXXX/XXXX/XXXX and that I would not be receiving my Social Security pay until the XXXX Wednesday of the month. I was again told that I had already changed it once and it could not be changed again. The agent helping me found a note where I had called in XXXX asking why they had changed my due date. 

As you can see per the attached, they did not change the date back to the end of the month. I have accrued two late fees for different amounts due to them not correcting the due date back to the end of the month. 

I remember at the time ( XXXX ), there was a obvious glitch in Hyundai Finance 's system that the agent I had talked with at the time acknowledged, but could/would not correct the issue.

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 2023-10-06
Company: Winklevoss Exchange LLC
State: KY
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
I can't access my XXXX to send my XXXX off of Geminis wallet into a separate XXXX wallet after seeing bad reports/reviews they have currently held my XXXX hostage for almost 24 hours now and are asking weird questions which I answered along with sending the selfie/image they asked for and still they haven't unlocked it where I can send it to my other wallet so I can close the Gemini account after all theses issues Ticket ID : XXXX

Company response to consumer: Closed with explanation