BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 continues to violate my rights under the FCRA Section 15 USC 1681 and 623 ( a ) ( 1 ) ( A ).

TransUnion stated the account listed below was verified, but how is that possible if they did not do a proper investigation on the account listed below. Every piece of information on this account is still not reporting 100 % accurate. Furthermore TransUnion by way of their own report dated XX/XX/XXXX shows the account has not been updated since XX/XX/XXXX. 
The FCRA Section 623 ( a ) ( 1 ) ( A ) states credit reporting agencies have a legal obligation under the FCRA to ensure the accuracy of the information they furnish. TransUnion has clearly failed to do so as required by Federal law.

The FCRA 623 ( b ) ( 1 ) states if the credit reporting agency does not investigate and respond to the dispute within 30 days they must delete the disputed information from its files. TransUnion clearly failed to do so as required by Federal law. 
Account Disputed : XXXX  XXXX BANKRUPTCY Account Number : 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 2023-08-17
Company: Experian Information Solutions Inc.
State: NY
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:
I sent out letter of dispute i have no heard any thing back. Car loan i paid off reporting. I have inquiries i never give permission for. I have late fee that should not be late if the loan is fully paid off. i have credit cards report late and they are up to date. i am not receiving points for paying things off

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 2023-03-06
Company: Experian Information Solutions Inc.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
On XX/XX/2023 I sent the credit bureaus letters asking them to verify the debt on my report.XXXX and XXXX responded stating that everything is verified correctly. My credit report is still showing inaccuracies. 
I never got a response from Experian 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 Experian-XXXX XXXX XXXX XXXX XXXX Experian-XXXX  XXXX XXXX XXXX XXXX XXXXXXXX Experian XXXX 15 U.S. Code 1681s2 ( 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.

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.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-01
Company: BARCLAYS BANK DELAWARE
State: FL
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: Card was charged for something you did not purchase with the card

Complaint:
Fraudulent charges were made on my sons Frontier Credit Card in XX/XX/XXXX. I had a card from this account in my name that I gave the front desk for incidentals when I checked in at the XXXX XXXX in New York. I did not realize that I lost my card the day I left New York and that {$450.00} in fraudulent transactions occurred on XX/XX/XXXX, & XXXX in New York. I shared with Barclays my documentation of my return flight and that I checked out of the hotel on XXXX XXXX, XXXX. I left New York and went back home to XXXX XXXX on XXXX XXXX. The only charge I made on XXXX XXXX was at XXXX XXXX before I checked out. I was not notified that any the fraudulent charges were being made on my card in XXXX as they were happening. Since XX/XX/XXXX, I have not charged anything on this card because I dont have it. As soon as I was aware of the fraudulent purchases, I disputed the charges. I spoke with Barclay numerous times and have formally disputed these charges twice and both times Barclay found the charges to be valid because they say " card possession activity was verified via text message, phone or email. '' That is simply not true. Every month my family ALWAYS pays our credit cards in full and we all have good credit ratings. Barclays has erred in their investigation and we need it to be rectified. 
Thank you for your attention to this important manner.

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 2023-07-24
Company: Experian Information Solutions Inc.
State: FL
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 submitted a letter to the Credit Bureaus to correct these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX  XXXX Bankruptcy XXXX XXXX  XXXX Bankruptcy XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-30
Company: OneMain Finance Corporation
State: NC
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Vehicle was repossessed or sold the vehicle

Complaint:
I walked into the XXXX, VA XXXX of Onemain Financial in XX/XX/2020 to finalize details of a personal loan I was approved for online, with conditions. I was working with a new associate XXXX XXXX. During the discussion about loan terms, I was told I would not qualify for an unsecured loan for the amount I wanted, but I could qualify for a secured loan with my vehicle as collateral. This was in XXXX of 2020. I advised the associate I would be moving out of state in XXXX of XXXX  and planned to sell the car prior to moving. I wanted to confirm I could still proceed with the loan under those circumstances. I verbally repeated the situation as so I can get this loan, with the car as collateral, and then sell the car within the month and use that money to pay off the difference and lower my payments? XXXX was new and did not have a firm answer to this inquiry, so he stepped away to ask another associate ( unknown ). He came back moments later and said that I could do that. I signed the loan. Within the next month, I called the office on XX/XX/2020 to see what was required to sell the car, per the verbal conversation I had with XXXX XXXX. I was advised by branch manager XXXX I could not sell the car so quickly after getting the loan. After repeating what was told to me, XXXX said I would not have advised that. And tried to propose additional options outside of what I was told at the loan signing that would not work as I would no longer be in-state and could not bring the car. The car stayed, Covid hit, couldnt get back when intended, car was stolen, car was recovered when the individual who stole it brought it to an auto body shop and abandoned it there, leaving me with the storage fees and a mechanics lien. Onemain financial was contacted by the body shop and when I did speak to them, they told me they could release the lien to me if I got in touch with the body shop, but the body shop never got back to me. ( XXXX signed over the title of the vehicle to the shop and never told me, only that my loan had changed from secured to unsecured ) even when I filed a complaint with their office of executive consumer care, stating I wouldnt have signed the loan if I couldnt have sold the car and I was advised I could do so. There is no other reason I wouldve done that a month before moving out of state. After an investigation from the executive office with the XXXX branch, the XXXX branch denied the claims. The area serves a high marginalized population and I am concerned of other instances of misinterpretation, especially as the area also has a very large XXXX  speaking population.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-24
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:
This is XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is 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 2023-07-24
Company: Experian Information Solutions Inc.
State: AL
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 to the Fair Credit Reporting Act, XXXX XXXX XXXX Account # XXXX .... 
and XXXX XXXX XXXX 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 an 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 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 2023-05-30
Company: Netspend Corporation
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
I have tried to use my rewards card from XXXX. You are able to obtain it when you buy cashback your phone through XXXX XXXX. I had obtained {$13.00} on my account and redeemed it as a virtural card. I have tried for almost a year on and off unable to use it. Then I noticed they charged a {$5.00} inactive fee. I have been unable to use it because of them. After multiple phone calls I have gotten nowhere.

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 2023-05-30
Company: Specialized Loan Servicing Holdings LLC
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX I called and made 3 payments ( XXXX, XXXX and XX/XX/XXXX ). Paying 3 months at 1 time is not allowed on the sls.net website. I was very clear about the fact that I wanted all 3 payments credited immediately. XXXX and XXXX payments were applied XX/XX/XXXX. XXXX was not. XXXX payment as has been ON HOLD for 36 days. Today ( XX/XX/XXXX ), upon inquiry they credited XXXX payment but refused to adjust the interest appropriately. SLS says there is no difference in how interest is calculated with payment on hold for 36 days versus XXXX mtg payment being credited appropriately on XXXX XXXX, XXXX. Call with customer service rep disconnected when I disputed this fact.

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 2019-06-26
Company: WELLS FARGO & COMPANY
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
Opened a card to pay XXXX bill for XXXX for my XXXX. Had my own card to pay with but XXXX  suggested Wells Fargo interest free for 6 months and did not need to start paying off balance immediately. Had trouble logging on and setting up online payments a few times and called to get help. Sent to multiple departments and disconnected 2 times. Finally told me I was in collections! Had no idea. Company sent me to collections because I was late 3 month of payments and I had no idea. Never called or emailed. Claimed they mailed a letter I did not receive. Then tole me I owed {$500.00} on a {$6000.00} cred balance to be removed from collections!!! I have a {$10000.00}. card I pay {$250.00} on. {$500.00} payment is outrageous. Asked to have my billing cycle start over so I can start making payments regularly because I was not aware I was 2 months behind as I never received notice. Then in formed me I had a retail card and was being charged multiple minimums at once?! Tried o call back again to resolve because I was working and person from collections was condescending while I was trying to restart cycle. Called another time ... woman was very nice but collections never answered and on hold over 20 minutes. She told me to call another time. Now I have negative marks on my credit due to them and this scam card and no resolution with their sending me to collections in 2 months without warning.

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 2018-03-11
Company: Navient Solutions, LLC.
State: CT
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
On XX/XX/18 My alleged past due amount was {$6500.00} on that date I made a payment of my entire annual bonus and then some for a total of {$700.00} bringing the balance down to {$5800.00}. This was reflected on their website. The very next day on XX/XX/18 ( Saturday ) I checked the site because everytime I make a substantial payment they jack up the balance, just as they did a month ago when I gave them most of my tax return. Surprise, Surprise,  they are up to their usual fraud. the balance " magically '' jumped back up {$220.00} in one day! Keep in mind this is on top of my usual $ XXXX/mo payment. I can not find anything on their site about fees or anything that would justify this. Given their long history of criminal abuse of lenders I am utterly disgusted. They have been robbing me of my life 's labor for years and it seems nothing is changing, no one is helping me! I will spend all my free waking time tomorrow on top of the 10 hour day I have to work getting shuffled around on their automated phone system, which has been so honest and helpful in the past ( extreme sarcasm ) PLEASE HELP ME FROM THESE CRIMINALS!!! I AM BEGGING YOU!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-30
Company: Block, Inc.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting, activating, or registering a card

Complaint:
I have cash app account for well over a year now, I use cash app for living expenses and to get paid from various contractors as I am XXXX XXXX, on or shortly after XX/XX/XXXX my account was locked for no reason, I've contacted cash app and spent the better part of 4 -6hours trying to get answers why my account was locked and have only been told I violated the terms, I've not received any contact as I've requested every time I try to figure out why it was locked, I've lost a contract job due to prospective company not having time to redo my payment method, there is a small amount of money I the account, I want my account unlocked and to be compensated for the time I've spent and the lack of responsibility that this financial institution has shown towards me being able to support my family,

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-30
Company: MRS BPO, LLC
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Keep Harassing me about a debt I have no knowledge of

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-24
Company: Experian Information Solutions Inc.
State: LA
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 Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 explanation
Consumer complaint received 2022-05-14
Company: Choice Recovery, Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Choice Recovery INC reported my brother 's medical debt under my name and Social security number, we are twins, as to HOW these idiots managed to mix my name and his up much less our Socials is beyond me. I called they refused to give me information, I had my brother call and ask for supporting documents to resolve the issue and they utterly refused. Choice recovery tells me XXXX XXXX is the one that made the mistake, and then XXXX XXXX tells me it was Choice recovery so these people need to get their act together. I don't have 30 days to wait for these dudes to respond to a dispute request in fact I called and asked them to respond and they basically said they wouldn't and DENIED TO HELP ME FIX an issue they created. XXXX XXXX basically said they have 30 days to respond and will just ignore the request knowing it will drop off if they don't which is a lie because I tried disputing it before XXXX and it said it couldn't be amended off my record so I had to do it a 2nd time... I have all this documented and calls recorded so don't XXXX me around. You guys claim you didn't report it under me well see attached documents showing otherwise you XXXX* Liars. document clearly shows MY NAME AND SOCIAL not my brothers get your XXXX together.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-17
Company: Experian Information Solutions Inc.
State: FL
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:
My personal information was compromised in XX/XX/2022. My information is on the dark web. My information has been breached by several companies including XXXX, and XXXX XXXX XXXX, XXXX. Since then the individual with my information has opened several accounts in my name. They had a utility account in Arizona, a townhouse in my name in Arizona, and renters insurance. The most recent account that has shown up on my credit report is with XXXX XXXXXXXX, at home address XXXX XXXX XXXX XXXX XXXXXXXX XXXX  They opened the account in XXXX. 
They have also tried to get furniture in my name. I check my soft inquiries and see that they are still actively attempting to use my credit file. 

I have contacted EXPERIAN and they will not suppress the fraudulent information within 4 business days per 15-US Code 1681c-2 The Experian upload system is difficult to use and will not allow me to upload documents. I have sent them these documents several times and I do not have a vehicle to get to the post office. EXPERIAN creates multiple hurdles for victims of identity theft which makes it very emotionally stressful and difficult to remove fraudulent information from my credit report. This is impacting my ability to purchase a home for my family.

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