BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-01-06
Company: Blackhawk Network Holdings Inc.
State: NY
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:
I received a {$100.00} prepaid giftcard that was stolen and {$93.00} of it was spent. I opened up a dispute to try and get the money back on my card and waited 90+ days. I called several times and was told that the funds were cleared in my favor and would be back on my card this past week. I looked at my account and there was nothing there. I called and got the same canned response saying it might take 45-60 days when it's been over 90.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-09-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Problem with personal statement of dispute

Complaint:
I did n't no what option to select from above in regards to my complaint. My issue is with my XXXX XXXX charge account. There was a major mix up with my payments as usually I make my payments with a rep over the phone and I agree to make that month 's payment plus the following month. So in essence I am paying 2 months in advance. To my knowlege I was current and up to date with my monthly payments. However I received a phone call from XXXX XXXX last month and was advised my account was late. I immediately made payment arrangements to catch the account up to date and under the credit line. I have agreed to this and they have received the payments as agreed upon. I asked the rep about my credit report as this account has always been paid on time and my credit is very important to me. I was told to dispute it with the 3 major credit reporting agency 's and they will respond to put the account back into satisfactory accounts. I did as they said and received a letter the other day advising me that it is reporting correctly. I am very upset with this because now this account is reporting in adverse accounts which is affecting my credit score in a very negative way. It is also showing that the account will go to a positive status in the year XXXX. This is not right. I explained that I do not want to pay 2 months in advance anymore as that 's what caused this problem in the first place. XXXX XXXX did not keep to there agreement. I have had this account since XXXX and shop alot at this department store but very upset that they will not advise the 3 credit reporting agency 's to move this account back to accounts that are satisfactory. I also requested paper statements instead of online banking because after this I do not want this to happen again. The account is current and up to date and below the credit limit. I am submitting this complaint because I was lied to and told that they will respond to move the account back to a positive account on my reports. I have also written a long letter to XXXX XXXX explaining again the whole situation and how this happened.

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 2020-02-21
Company: Diversified Consultants, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have contacted the collection agency Diversified Consultants @ XXXX spoke with XXXX ID # XXXX and she explained to me that this account was no longer in their hands but with XXXX and to contact them. I told them that this account has been long paid for in full 5 years ago, less than 1 month when they reported it to my credit. I contacted XXXX and they are telling me that they do not have the account listed within them and that they can not do anything about the account. After I was on the phone with XXXX, then XXXX ID # XXXX for over 2 hours. I am disputing this account because they sent it to collection due to a past due bill of {$75.00} when we changed carriers and it was paid within that same month. XXXX is telling me to contact the collection company which I already have multiple times. I would like to get this account removed from my credit bureau as this is not a correct collection account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-21
Company: SYNCHRONY FINANCIAL
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Add-on products and services

Complaint:
My dog needed XXXX  so I had to open a CareCredit account. Apparently, when filling out the application there is a checkbox I clicked for a security feature to be added that I was not aware of that was racking up {$100.00} a month monthly charges to my account. Mind you, I work at a credit card company and I would have never signed up for something like this. I was planning to pay this entire balance off 6 months later when I got my bonus before the card started charging interest. This is a huge scam, and not sure how they are getting away with this. I tried to call and get this removed-they were able to cancel whatever benefit this was and only refunded me for 1 month. On top of the $ XXXX monthly fees, that charge was then getting an interest charge. This card was supposed to be interest free for 6 months. This company is a huge scam and the fact that I now have almost {$500.00} additional fees to them is ridiculous

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 2022-04-27
Company: Experian Information Solutions 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:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2020-02-21
Company: MicroBilt / PRBC (formerly CL Verify)
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
unauthorized inquiries from microbilt corp.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
It appears that/my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a XXXX for research, I found that under section 605b of the FCRA you are required by law to remove & block any items 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/remove these files. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX : {$410.00} XXXX XXXX XXXX XXXXXXXX Balance : {$10000.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-07-06
Company: GRANITE STATE MANAGEMENT & RESOURCES
State: MA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
This problem originates with a school that has since closed down and left few options for continuing education without starting over and it ends with the shady practices of the financial aid department who promised me they were finding me all federal loans and than had me sign off on a loan private loan from a institution I was provided little information on. A naive and unlearned XXXX XXXX XXXX had no knowledge that this was a private lender and thus required immediate repayment of loans and at a then exorbitant rate. <P/>Student loan from Granite State Management & Resources Received initial disbursement of {$3300.00} on XXXX/XXXX/XXXX with two subsequent disbursements of {$3300.00} and {$3300.00} on XXXX/XXXX/XXXX and XXXX/XXXX/XXXX, respectively. Total loan of {$10000.00}. My interest rate is currently 4.29 % I have currently paid {$6900.00} of the principal yet still owe {$4800.00} due to {$1700.00} in XXXX XXXX. <P/>My current monthly payment breaks down as follows : Total : {$90.00} Interest : {$48.00} Principal : {$41.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-06
Company: EQUIFAX, 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 status incorrect

Complaint:
After a very recent dispute, initiated through EQUIFAX, the following account has comeback with an update- verification showing the same gross error as before.IT HAS BECOME OBVIOUS that the XXXX XXXX XXXX is uneducated as to credit reporting and the FCRA ... .Equifax who should be removed by Congress as one of the Big Three CREDIT BUREAUS is inattentive, incompetent at remediating gross credit errors that they are required by the FCRA to remediate WITHOUT ANY INPUT FROM THE UNEDUCATED SUBSCRIBER.I am aware I have a civil suit that has grounds for gross negligence of EQUIFAX and the XXXX XXXX XXXX XXXX and both are guilty of wrongdoing that has harmed me financially ... ..the estimated fico loss is 50 points caused by this indefensible and unconscionable misreporting. 
It is also the duty of the CFPB to attend to both organizations with deserved fines, lawsuits and years long supervision.The attached evidence is conclusive as pertaining to my grave allegations. 
The account in dispute is XXXX XXXX XXXX/XXXX, ACCOUNT NO.XXXX THE ACCOUNT WAS CLOSED/TRANSFERRED IN XX/XX/XXXX. 
THE MIS-REPORTING SHOWS TWO 120 DAY LATES OCCURRING IN CALENDAR YEAR XXXX AS IF THE LOAN WAS OPEN IN XXXX IN THE DEPICTED PAYMENT HISTORY.This loan  today is with XXXX XXXX XXXX AND HAS BEEN SINCE XXXX OF XXXX AND IS CURRENT IN GOOD STANDING. 
IT IS ACCOUNT NUMBER XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-09
Company: TRUIST FINANCIAL CORPORATION
State: VA
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:
On XX/XX/2022 I applied and was approved for a Truist XXXX Card. I received an email on XX/XX/2022, stating that the card was made and on the way to my residence. Once I received my card on XX/XX/XXXX ( took a month to get the card ), I tried to activate it but I was told the account didn't exist on the app. I went to my local branch immediately, and they told me that the account didn't exist, they closed the card and line of credit for no reason or notification to myself. They went even further to tell me if I wanted a card with them to go apply again. So now present day I have a credit card that does not work I received my pin number in the mail, as usual, I have escalated this grievance 4 times within the bank and still have not been contacted back. I am looking for the bank to respond and reactivate my card. My credit was dinged 3 times and I was approved and the bank has done nothing to right these issues. I have asked for the info to their legal department 4 times via a recorded line and no one has any info. if I could please have some assistance in this matter it would be greatly appreciated

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 2022-04-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has all violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

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 2017-09-29
Company: HEARTLAND PAYMENT SYSTEMS INC
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
The loan servicing company Heartland ECSI is causing significant delays in the timely processing of my requests for Perkins loan deferment and/or cancellation. I have submitted the cancellation requests, along with the required documentation ; however ECSI keeps stating the documentation is not adequate. I have participating in this process for approximately 5 years now and have never had a problem with the documentation provided, nor have I ever had to submit this much documentation and additional paperwork for this until this servicer took over. 
I have provided everything that should be needed, yet this is still not resolved and ESCI is still requesting additional information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2021-08-16
Company: Affirm Holdings, Inc
State: MD
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
I applied for a loan for a XXXX XXXX  with XXXX. I created a account with my up to date information and your corporation denied me because you couldnt validate my information. 

I called your corporation and your customer service against said my information does not match public records. 

I asked to upload documents and the rep said they couldnt do that.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
Hello, I have been trying to contact all three credit bureaus to get the Security and fraud alerts removed. I have had no success with getting anyone on the phone and their automated system has not been working out well for me. Please remove those alerts asap so that I can move into my apartment. Thank you.

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 2020-04-23
Company: Specialized Loan Servicing Holdings LLC
State: CA
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I had a home equity line of credit with XXXX XXXX XXXX for several years. Without any warning, my loan was sold to another lender. However, I continued to make the payments to XXXX XXXX XXXX online in good faith from XX/XX/XXXX until XX/XX/XXXX, when I received a call from the new lender, Specialized Loan Servicing informing me that I was three months behind in payments. I retrieved their payment information and started paying them directly after that time. I told them that the prior three payments were in fact made but paid through XXXX   XXXX XXXX. I have the bank statements to prove it and promptly emailed them to Specialized Loan Servicing, per their instructions. Fast forward to XX/XX/XXXX. I receive a huge envelope from Specialized Loan Servicing urging me to restructure my loan since I am seriously behind in payments. It is like I never even spoke to them regarding this matter or sent them proof that the payments were made. I did also speak to XXXX from XXXX  XXXX XXXX, Texas today regarding this issue and she verified that the payments were deducted from my account and should have been forwarded and that this was really an issue with the new lender. At any rate nobody at Specialized Loan Servicing seems to know what happened to my missing three payments for {$210.00} each, even though I have also spoken with them again today. I did resend the online Bill Pay Statement history from XXXX XXXX XXXX for this account as well, since their customer support said there wasn't even a case opened yet to do a tracer on the missing payments, which seriously concerns me.

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 2023-06-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
Its two collection accounts on my credit report that werent authorized & I dont have an outstanding balance with XXXX I have a current account.

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 2017-09-29
Company: EQUIFAX, INC.
State: IA
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:
Equifax 's website has been borderline inoperable. It is impossible for an individual to use their paid products in a timely manner. I have tried filing a dispute, but the website responds slowly, and occasionally it is so slow, my login times-out, requiring me to start over with what I was filing or managing. I ordered a week-long free-trial of a premium service on XX/XX/XXXX. I attempted to cancel the premium service for several hours on XX/XX/XXXX, and was finally able to on the same day.
I am unable to file a dispute, because when I go to submit disputes, I receive a 404 error page. 

In addition, I have not been able to access my free Equifax credit report for several years.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I began to experience hardships due to the pandemic in XX/XX/XXXX. I applied to the second round on federal assistance related to mortgage assistance in XX/XX/XXXX. I've been on a forbearance plan with Bank of America for 17 months. I applied to the Virginia Mortgage Relief Program ( VMRP ) in XX/XX/XXXX. I've been waiting for my application to be process. The VMRP guidelines specified a 90 day application review process, but it is taking longer than the current notified timeframe. I've been unable to get a timeline update from VMRP. I was informed my my VMRP case manager that Bank of America delay in returning the Corroboration Agreement delayed the process of Bank of America accounts. I did a 3 way call with BOA and VMRP reps because it was the only way that I could prove that I was asking the right questions and had an active application with VMRP. I am currently at my max forbearance option with BOA, had a deferral option presented by Bank of America that needed to be signed by XX/XX/XXXX ; however, signing it would disqualify me from VMRP, and I not have access to the referral option if something fails with VMRP.

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 2017-07-06
Company: Convergys
State: FL
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:
I HAVE CONTACTED THIS COMPANY SEVERAL TIMES AND ADVISED THEM THAT MY IDENTITY WAS STOLEN, AND THEY ARE HARASSING ME TO PAY THE BILL, I HAVE DISPUTED THIS WITH THE COMPANY SEVERAL TIMES.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-06
Company: EQUIFAX, INC.
State: KS
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:
On XX/XX/XXXX I faxed a letter to Equifax because I noticed unauthorized and fraudulent credit inquiries made by the following companies 1. XXXX XX/XX/XXXX 2. XXXX XX/XX/XXXX 3. XXXX XX/XX/XXXX 4. XXXX XX/XX/XXXX 5. XXXX XX/XX/XXXX 6. XXXX XX/XX/XXXX I asked for validation of this information with these companies and asked that they provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. I also requested, in the absence of any such documentation bearing my signature, that these fraudulent inquiries be immediately deleted from the credit file they maintain under my Social Security number. After receiving no response, on XX/XX/XXXX I sent a second letter via certified mail. On XX/XX/XXXX I received a form letter stating why companies access credit information.

Company response to consumer: Closed with explanation