BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-02-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
CRA is still reporting erroneous accounts on my credit report even after I submitted a police report and FTC identity theft report, showing I've been the victim of identity theft.

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 2020-12-10
Company: Experian Information Solutions Inc.
State: PA
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: Investigation took more than 30 days

Complaint:
on XX/XX/2020 I submitted a Dispute with XXXX, XXXX, and Experian. In this Dispute I asked these companies to Delete the information on my credit report because they were not reporting 100 % accurately. I also Asked these companies to send me verifiable proof. On XX/XX/2020 I still Did not receive a response from the credit bureaus so I sent in another letter asking for proof of a investigation from the bureaus. and still there was no reply. I sent another letter out letting the bureaus know that they were violating my rights as a consumer by not responding to my request. It is now XX/XX/2020 and still I have not received a response from the credit bureaus.

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 2021-06-22
Company: CITIBANK, N.A.
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:
15 U.S Code 1666b ( a ) was not followed at all. ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. All of my statement dates that has been EMAILED with this information are well over 21 days BEFORE my payment due sate which is the XXXX of every month so in which none of my payments should be counted as late. This is the law i did not just make this up.

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 2018-03-02
Company: Bread Financial Holdings, Inc.
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
Okay, I have a credit card through XXXX XXXX. Had it over a year and all was fine until now. We are doing work to the house and I use this credit card. I pay it off as soon as the charges appear on my statement. I went to use it and it was declined. I checked my account online and it showed my entire credit line was available. I called to find out why it was declined. They told me the payments were still being processed. My bank statement shows they were paid, the credit card statement shows they received the money. I have called 5 times and talked to 9 different people. I have written four letters. I got a letter back stating all my credit is available and there is no restriction on the account. The phone calls the representatives told me, yes they have the money, yes it is posted to my account but the system is still processing the payments. None of them can explain how the payments are posted to my account but still in process. So now I have money taken from the bank account that is not available to me and a credit card that I can not use through no fault of my own and they are telling me it takes about 21 days to process the payments. If they post to my account to acknowledge they received it how can it still be processing?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-14
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I sent in the following XXXX XXXX XXXX dispute letters time stamp XX/XX/23 and I havent got a response from XXXX & Experian told me to wait 30 days its been past 30 days sense I got a response now Im ready to move forward with my complaint with your agency.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-30
Company: Nelnet, Inc.
State: WI
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
For the past week it has been nearly impossible to access the account to check balances, make payments, monitor interest, etc. The login page loads almost immediately, but when trying to go any further the page either does not load or it kicks back to the login page. This is not due to incorrect account information, it is the system itself that will not load. The only thing I've found successful is to try at multiple times through the day, and OCCASIONALLY I can make it through after about 20-30 attempts. This is ridiculous, especially from the " Official Service Provider for Federal Aid ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-08
Company: Block, Inc.
State: CO
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
This happened durung covid about XX/XX/2020. I has just deposited my unemployment back pay check of apx XXXX in my cash app acct and my account greyee out and closed. No info. Was given and i couldnt open a chat or do anything on the acct because it was all greyed out. So i qwnt to XXXX and searched caah app help and in the 1st poaition was caah app helpline XXXX so i called the numbw we and the guy said yea he cpuld help. Instructed me to push some things on my phone and i did and then all my money drained out and the guy hung up. I called bacl ans they calles me a XXXX XXXX  and humg up again. So i contacted cash app through the app and they said sorry too bad. Couldnt give me an explaination why they closes it i. The first place, and why they didnt stop it. I constantly has transactions qhere someone qpuls bw sendinf me monwy and thwy qpuls " block it for my protection* and i qould havw ro jump thepugh hoops ro get my monwy but a foriener depleting my closed acct. Didnt gwt their attention to stop that. How did they know how to get in the acct? How did rhwy get the first spot on XXXX? Why cpuldnt they reverse that transaction? They didbt give mw any answers.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-05
Company: LoanCare, LLC
State: IL
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process
Sub-issue: Payment process

Complaint:
On or around XX/XX/23, I attempted to pay my regularly scheduled mortgage payment at XXXX XXXX XXXX, only to discover that the website was down and was down for approximately 10 days with NO explanation from the company or its parent company. Online searching revealed that the parent company experienced a cyber-attack and ransomware was involved ( XXXX XXXX XXXX Hit By Cyberattack XXXX  ( XXXX ). However, NO communication was provided to me as a consumer. 

On or around XX/XX/23, the online account system ( www.myloancare.com ) was brought online. I made the first attempt to submit a payment and received an error message indicating that the payment was not successful. I tried again and received a payment successful notification. 

The payment was a successful XXXX debit on XX/XX/23. On today, XX/XX/23, another XXXX debit was made ty account and threw my account balance in the XXXX. I immediate called Loan Care at XXXX ( approximately XXXX AM XXXX ) and I spoke with XXXX. XXXX informed me that she could see the duplicate payment in their system and that their IT department is aware of the issues with the payments BUT : XXXX. They DO NOT do wire transfers ; XXXX. I would need to request payment research to be conducted which would take XXXX days to process and include proof the duplicate payment that she could already see ; XXXX. It would take XXXX days to receive a PAPER check. 


This is unacceptable!!! IF they can ACH debit to take my money, then they should be able to ACH credit my account to return my money. I am being seriously inconvenienced through NO FAULT OF MY OWN.

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 2023-12-15
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I got a copy of my credit report and noticed some accounts and inquiries that i did not authorize. I contacted the company 's and was told the documentation required to remove the unauthorized items and they are attached. I would like the issue taken care of immediately as i am trying to start a new job thats these issues are making more difficult than it should be.

Company response to consumer: In progress
Consumer complaint received 2021-11-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XXXXXXXX XXXX And now we are in the month of XX/XX/2021 and still nothing from them. That means TransUnion has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : 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 2018-03-02
Company: WELLS FARGO & COMPANY
State: AL
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
On XX/XX/2018 I received an email that my monthly transfer was cancelled because my business savings account had been closed. This was the first I had heard of it, and when I called, I was simply told that the account was closed due to no " human initiated '' deposits or transfers. I had a scheduled monthly transfer into the account, which I initially opened only at Wells Fargo 's insistence, and has been open for over 2 years. No recourse was given for closing the account, and I was simply told that no one was notified and that was just the way they did this.

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 2019-02-06
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: Public record information inaccurate

Complaint:
Equifax and XXXX continue to report public record items their public records vendor has clearly stopped reporting ( see attached ). Equifax and XXXX are in violation of FCRA regulations ...

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have a vehicle that was repossessed by CAPITAL ONE AUTO FINANCE in the State of TEXAS on or about, XX/XX/XXXX, and resold on or about XX/XX/XXXX. Under the laws of the State of TEXAS UCC 9.614 and State RISA and MVISA statutes a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. I have a reported balance of {$9800.00} showing on all three of the credit bureaus. 

I was never provided with copies of the legal notices and proof of the commercially reasonable manner of the resale of the subject vehicle. I have reached out to all three of the credit bureaus as well as Capitol One for proof of the resale of the vehicle and have yet to receive anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-17
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I'm a victim of identity theft, pursuant to section 605b. I have been suffering from punintive damages. Please remove the fraudulent inquiries from reporting to my credit report.

Company response to consumer: In progress
Consumer complaint received 2022-06-18
Company: Blackhawk Network Holdings Inc.
State: IL
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:
I made a complaint to the gift card agency over 4 moths ago and they stated it would take them 30-120 days to trace {$75.00} that was taken from the XXXX gift card from ( XXXX ) that wasn't authorized. Initially, I ordered a food purchase for {$25.00} after loading the gift card with {$100.00}. Immediately after I used the card for that purchase only and then within 15 minutes after making the purchase, the card was depleted of its full value. 

I called the gift card company and made a complaint and they immediately suspended the card and sent a new card. They fail to provide updates, they are rude every time I try and call for updates and they never can state why its taking so long. The only answer I get from them is that they are waiting on the company to respond. I filed a complaint with CFPB two months ago and still nothing has happened no updates no anything. Unfortunately they have caused more of a financial strain as it was to be used for a bill and that caused a trickle down effect to where my family and I are still trying to recover. 

It is my feeling that this gift card company is trying to keep the funds by delaying my refund via the gift card or check since its past the 120 day mark and they fail to send updates or anything. Calling them only begets them being rude about funds that are not theirs but is mine. 

I am begging for assistance in this matter because this company is showing they are committed to keeping my funds for an unauthorized transaction.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-23
Company: WELLS FARGO & COMPANY
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
I had a loan with Wells Fargo. Got in a car crash and car was totaled. The insurance company paid of the remainder of the loan but Well Fargo added fees to the amount which then they sent to collections and have negativaly effected my credit score. They have been hounding me for XXXX yrs to pay a balance that should not exist and have added penalties and other fees to the amount!!

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 2017-06-28
Company: Receivables Management Partners, LLC
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
I check my credit report then I see Berk Credit & Collections send my name to credit bureau for a company called XXXX XXXX claimed that I owe them money of XXXX dollars. So I called Berk Credit and state I do n't this company and I am not refused to pay if I ever own money to this company because whenever I am ill I always go to hospital not private MD and my insurance always paid. I ask them to give me the telephone and the address of the company who tell me I owe them money or send me to my address the information. Because I do n't want to pay money to funny credit collectors because I encounter a case like that before. Is simple but they was very rude and refuse to give me the address instead any information from my private life will go against me. I know there is no law who state we must pay someone money without knowing where and why you are paying that money. This is a fair practice- I called the hospital who instructed not to pay because if they have a bill for me they will send it to my address not to a collections agency first.And they practice of calling my house anywhere I am is very unfair practice.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-02
Company: Experian Information Solutions 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 was in the process of buying an ATV for summer fun. As I was looking for the one I liked, the saleswoman that was helping me with the process told me she needed to check my credit to make sure I qualify. When she got my report back, she told me I was not eligible. I asked her to show me my report and there are several derogatory items that do not belong to me. These items are not mine and need to be removed as soon as possible. I have been a victim of identity theft.

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 2018-03-02
Company: Experian Information Solutions Inc.
State: NJ
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:
Today XX/XX/2018 I am disputing again the XXXX Account that is not accurately reported in my credit file. To all credit bureaus, I called XXXX directly and spoke to Miss XXXX XXXX, She states that NO credit bureaus have called to verify my account. The XXXX account was paid in full and not late. Credit Bureaus ARE NOT checking or Verifying any information. Per Law, they are supposed to. This negative information is hurting me obtaining a home and credit. There has been many mistakes on my file. I will continue to report and argue my case until someone listens.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-30
Company: Lewis, McDonnell & Associates
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I do not have any business nor contract with Lewis McDonnell what so ever. They illegally verified a fraudulent account in order to reinsert it into my credit report after this account has already been deemed unauthorized. This account has an address that is not associated to me in any way and the legally binding ORIGINAL CONTRACT has a misspelled name. I am in no way responsible for this account. This collection agency is disregarding the Fair Credit reporting act completely. Theres no legal way to report an account on someones credit if the name doesnt match nor the address. I have never even lived in the state of Maryland. This company didnt even contact me prior to reporting this false information. If they did I would of easily presented the police report and FTC report filed years ago. I want this erroneous account removed immediately as it is fraudulent and illegally being reported. I have attached the original contract from the creditor and my FTC and police report below.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-15
Company: Selene Holdings LLC
State: MN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I disputed the debt and asked for validity of the debt and the original creditor on XX/XX/2023 and received a response on XX/XX/2023. I followed up with a letter stating theyre not the the original creditor and theyre debt collectors in violation of 15 usc 1692a ( 4 ) and also send a cease and desist to stop the foreclosure

Company response to consumer: Closed with explanation