BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-20
Company: Blackhawk Network Holdings Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
I ordered 3 {$200.00} visa gift cards from XXXX on XX/XX/2022. I received the brown envelope ripped open on XX/XX/2022. All the gift cards were stolen during the transit. I immediately notified XXXX on the incident and was given case XXXX. They told me they would cancel the order and issue refund. On XX/XX/2022, my refund was declined.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-08-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 pulled my credit to myself for the first timE and I have derogatory items that are not mine. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name.

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 2019-02-07
Company: Navient Solutions, LLC.
State: VA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
I kept getting calls from these 3rd party, morning, noon and night. XXXX, I just started a new job, I have not yet settled to pay back the loans. I was already in a hardship with sick parents, but the student loan 3rd party whoever they are, decided to garnish my wages, which they threaten me, calling my job and my family non stop. It was harrassment. And then XXXX, my federal refund was taken from me. I have nothing to help my family because of this. I hate you people for it. This is my official complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-03
Company: EQUIFAX, INC.
State: AR
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 pulled my credit to myself for the first timE and I have derogatory items that are not mine. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to turn you in to immigration or deport you

Complaint:
After I made the payment of my capital one credit card the agent was telling me I do have another credit car and It must be Pay it in a full amount after I received a settlement for % 30 the person tread me like a was stolen her money, and i told her I have never say I was not paying the money I just need time to recover after the pandemic, she claim if I dont pay it by the end of the month the company will start and present charge to put me in XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
Upon reviewing my updates, incorrect information is being reported to my personal credit file. The XXXX and TransUnion Credit Reporting Agency have not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. XXXX and TransUnion have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following inquiries are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. 

XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX Inquiry Date XX/XX/XXXX XXXX Inquiry Date 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 2019-02-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
Multiple incorrect aliases are listed on my credit report. One may be my father, one may be a roommate from 25 years ago, and the others appear to be typos. None have ever been used by me and I'd like them removed immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-07
Company: Waypoint Resource Group, LLC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XX/XX/18 - I received a notification from XXXX   regarding a new entry on my credit report asking me to verify. I had no prior notice of this, so I contacted Waypoint Resource Group, XXXX XXXX XXXX, XXXX XXXX, TX., XXXX, which is the company who reported this debt. I spoke to " XXXX '' regarding an entry on my XXXX credit report dated XX/XX/18 in the amount of {$49.00}. I asked who the original creditor was, as it was not included on the report, nor have I received any billing statement to identify the creditor. She told me it was XXXX XXXX XXXX. I asked about a payment arrangement, or a settlement amount, but she said no such arrangements could be made. I also told her that her company is reporting to the credit bureaus weekly, as " new collections '', which I believe is not allowed. She became rude, and told me that the entire debt must be paid immediately. Since I live on a low fixed income, I could have handled it better with some kind of arrangement. After this call, which did not go well, I contacted the original creditor, then found that there were actually 2 different accounts which I owed, both now being handled by Waypoint. I paid the older of the 2 in  the amount of {$55.00} on XX/XX/18, and arranged to pay the {$49.00} bill next month.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-06
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting 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:
On XX/XX/XXXX I recieved a alert from experian. It read XXXX XXXX XXXX account opening reported. On XX/XX/XXXX XXXX XXXX XXXX reported a bank account opened with your SSN. 
XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX. 
phone XXXX The agent I spoke with on XX/XX/XXXX around XXXX told me he could not give me any information because I did not have a account with XXXX XXXX XXXX I explained to him someone was fraudulently attempting to open up a account in my name per my Experian alerts. I then asked to speak with a manager, and he responded the same way. I asked could he transfer me to the department to help dispute it off my credit report, and he said yes but transferred me back to the automatic voice tool.

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 2023-04-09
Company: Consumer Portfolio Services, Inc.
State: MD
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Problem with signing the paperwork

Complaint:
This company gave me a car loan then contacted the car dealership and said the second company I worked for was fake/ gave fake check stubs because it was on XXXX software- they never called my second job which I have been at four years - its a small business and doesnt use a XXXX or XXXX system- my employer called them and they told her they didnt say this! They made me return the car after 25 days and didnt try to work my deal or eve call to verify my legit job!!!! They ran my credit so many times but didnt verify my jobs and refused to help me

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-26
Company: EQUIFAX, INC.
State: NC
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:
It appears that my file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block these files. 
XXXXXXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX  XXXX Balance : {$110.00} XXXX  XXXX Balance : {$140.00} XXXX  XXXX Balance : {$180.00} XXXX  XXXX Balance : {$66.00} XXXX XXXX Balance : {$50.00} XXXX  XXXX Balance : {$50.00} XXXX  XXXX Balance : {$50.00} XXXX XXXX XXXX XXXXXXXX Date Filed/Reported : XX/XX/XXXX If you feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-07
Company: CONTRACT CALLERS INC
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am XXXX XXXX military. I moved from XXXX XXXX to XXXX in XX/XX/XXXX. I had XXXX and had suspended the contract. Occasionally I would come back to the states to visit family and do military training and would activate my phone. I then deactivated it when I would travel back to XXXX. Apparently they did not honor my deactivation on one occasion. I no longer had their services in XXXX and the phone bill ran up to XXXX dollars. I had this resolved once before with all three credit agencies and the collection was taken off. Just recently it showed up again in XX/XX/XXXX. I have been trying to get if removed again for these bogus charges for services not received service. Now I live in XXXX XXXX and do not use XXXX. 

Thank you, XXXX XXXX CONTRACT CALLERS INC XXXX XXXX XXXX XXXX. 

XX/XX/XXXX {$860.00} {$860.00} XXXX XXXX XXXX XXXX XXXX XXXX, XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 am writing to convey my ongoing concern regarding erroneous late payment entries on my credit report. Despite multiple requests for resolution, this issue remains uncorrected. I want to stress that these late payment entries are inaccurately recorded, and I have provided substantial evidence confirming my consistent and timely payments to XXXX XXXX XXXX XXXX XXXX. Despite my previous attempts to rectify this matter and the supporting documentation I have submitted, the incorrect late payment entries continue to appear on my credit report. I kindly request that you take the necessary steps to rectify and remove these inaccurate late payment entries from my credit report. Please ensure that this account is corrected.

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 2022-02-16
Company: AMERICAN HONDA FINANCE CORP
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: Was not notified of investigation status or results

Complaint:
Failure to MOV, Fair Credit Reporting Act Request under 611 ( a ) ( 7 ), for the items listed below within the time set forth by law... 
American Honda Finan XXXX Open Date XX/XX/2019 XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-06
Company: Ocwen Financial Corporation
State: SC
Product: Debt collection
Sub-product: Mortgage debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
I had a scheduled phone call with PHH Mortgage senior manager of the ombudsman with Ms XXXX XXXX on XX/XX/2021 at XXXX XXXX  .Ms XXXX called me the first words from her is Mr XXXX what do you want? I started to explain and Ms XXXX started to raise her voice and was shouting at me you are a fraudster scammer. I told Ms. XXXX to stop before she said something she was going to regret. Ms XXXX is senior management and should have training to treat customers ' past or present with respect and dignity. Her tone was demeaning and cruel. Ombudsman is there to work through complaints not degrade the customer. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-12
Company: Resurgent Capital Services L.P.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX XXXX  they're attempting to collect a debt for a debt of Original Creditor Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX for the amount of {$490.00} which has not been verified I have asked several times for them to verify the debt several times and yet they have not verify any of the information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-21
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Account status incorrect

Complaint:
Kohls Capital One is reporting late notations for XX/XX/20, XX/XX/20 and I would like them removed. I was having a very hard time due to Covid and I ask that they please take leniency and remove the lates. I was not late anytime before and It would be a big help so I could get my home.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
It appears that my file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block these files. 
XXXXXXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Balance : {$110.00} XXXXL XXXX Balance : {$140.00} XXXX XXXX Balance : {$180.00} XXXX  XXXX Balance : {$66.00} XXXX XXXX Balance : {$50.00} XXXX XXXX Balance : {$50.00} XXXX  XXXX Balance : {$50.00} XXXX XXXX Bankruptcy XXXX Date Filed/Reported : XX/XX/XXXX If you feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.

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 2023-03-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
The Status of this account is Showing Paid or Paying as agreed but it also show XXXX payments that should not be reflecting on my Credit Profile and I am Hereby Demanding Deletion to the Invalid information Showing on My XXXX, Transunion file Pursuant to My Fair Credit Reporting Act.

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 2023-02-22
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: Account information incorrect

Complaint:
Account name : XXXX XXXX XXXXXXXX XXXX XXXX XXXX Account number : N/A You are reporting this collection as an OPEN ACCOUNT, which is not under the FCRA compliance. This is INACCURATE reporting and needs to be removed immediately. Please send me a copy of my credit report when the above deletion has been 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 non-monetary relief
Consumer complaint received 2022-03-31
Company: EQUIFAX, INC.
State: MD
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 HAD A CREDIT REPORT JUST RECENTLY THE CREDIT REPORT AND SCORE IS GONE. 
As per 15usc 1611 XXXX XXXX and Equifax is criminally obligated. They are affably obligated for twofold the measure of the money charge as per 15 usc 1640. Furthermore, they are at risk for each fdcpa infringement as per usc 1692k. Im requesting they eliminate this supposed obligation from my shopper reports, transmit installments to me for infringement. A supposed obligation being outfitted on your credit report is an infringement of 15 usc 16922b. ( 2 ) it is likewise publicizing to certain installment. Which is illicit. Im requesting that you eliminate these Transactions from my report promptly as they are an infringement of my privileges as a governmentally protected purchaser under title 15 section 41. Concerning the records recorded underneath as a customer Im requesting a cancellation of these records. Cc Consumer Financial Protection Bureau. Cc Attorneys General Office. XXXX XXXX XXXX XXXX. Cc State Senate. Cc Federal Deposit Insurance Corporation. Cc Comptroller of the Currency. Cc Federal Reserve System. Cc Credit and Insurance. Cc Federal Trade Commission. Cc State Regulatory Agency

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-07
Company: Western-Shamrock Corporation
State: SC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
WESTERN SHAMROCK XX/XX/XXXX {$2800.00} XX/XX/XXXX WAS DELETED AND APPLIED BACK ON MY CREDIT FILE AS A " NEW DEBT '' XX/XX/XXXX FOLLOWING FTC REPORT OF IDENTITY THEFT. ( WHICH IS AGAINST THE LAW )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-04
Company: Shellpoint Partners, LLC
State: LA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
I was in bankruptcy. The mortgage company was not applying the payments correctly from the trustee. We went to court and the judge ruled that they had to fix it. They have not. I am out of bankruptcy now, and the payments that I have been making they have been applying to the back due instead of the current amount that is owed so now it looks like I am defaulted and can no longer make payments. They have also added this to my credit report making it go significantly lower. I have receipts that I have paid on time as well as proof in their web portal that I have paid.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-26
Company: Experian Information Solutions Inc.
State: NC
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:
It appears that my file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block these files. 
XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXXL XXXX Balance : {$110.00} XXXXL XXXX Balance : {$140.00} XXXX XXXX Balance : {$180.00} XXXX XXXX Balance : {$66.00} XXXXXXXX  XXXX Balance : {$50.00} XXXX XXXX Balance : {$50.00} XXXX XXXX Balance : {$50.00} XXXX XXXX Bankruptcy XXXX Date Filed/Reported : XX/XX/XXXX If you feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.

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