BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-11-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
I filed a CFPB complaint with Trans Union on XX/XX/XXXX regarding credit reporting issues related to XXXX XXXX XXXX XXXX under # complaint XXXX. They answered and closed the complaint on XX/XX/XXXX. 
Today XX/XX/XXXX I ordered and received a new copy of my current credit report. Trans Union is now reporting an open auto loan with XXXX XXXX XXXX XXXX as well as a missed payment. This account was already closed and charged off as indicated in the attached report from XX/XX/XXXX. It has decreased my credit score and is now showing I owe money on an open loan that is actually closed and charged off. This is in violation of FCRA. I have attached copies of XXXX XXXX recent letter and images of how Trans Union was reporting in XX/XX/XXXX and XX/XX/XXXX. It is against FCRA to report a missed payment and revolving credit on a closed and charged off account. They will continue to report this every month until they fix it. During that time it will decrease my score every month. I am requesting they fix this as the loan is closed and charged 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 2017-11-15
Company: Navient Solutions, LLC.
State: RI
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:
I was on a forbearance payments with navient for 3 loan that I co-signed for him and have been paying between XXXX. I called and they said that is now over and I have to pay XXXX i talked to someone about an income based program and all they can do is lower my payment to XXXX a month. I make XXXX a week and went over all my expenses such as car, mortgage taxes utilities and they said there is nothing they can do. They automatically deducted the 1st payment from me which leaves me in the negative. They will not work with me at all. They only lowered my interest rate to 3 % which leaves me with that XXXX payment. I don ; t know what else to to. I was will to give XXXX but they wont except anything from me. I have called them 3 times and received 3 different answers for payments so I called again and the final payment was XXXX Thats it.the bottom line which I ca n't afford.My house is now for sale which you can verify online because I can no longer do this

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-06
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
On Friday XX/XX/2020 I called Experion ( XXXX ) to place a temporary freeze lift on my credit. The voice response system was poor but I did receive a confirmation number that the freeze was lifted. However, after receiving the confirmation number ... the voice response system then told me that I had to send in the mail ... ..a long list of personal information including my PIN number when I placed the initial credit freeze. That the freeze would not be lifted until I sent the information and that I should allow enough time for the information to be received in the mail so that the freeze could be lifted for the time frame I requested. THIS MESSAGE IS CONFUSING????? IT LEFT ME WONDERING WHETHER OR NOT THE FREEZE WAS TEMPORARILY LIFTED? 

On Friday XX/XX/2020 in the afternoon ... ... I tried at least 10 times by phone and several times via the internet to have the temporary freeze removed ... ... .in other words to reinstate the freeze.

No customer service selection was available on the phone voice response system. I could not speak to a customer service representative because there is no option to select to be able to speak to a person.On the internet site for Experion ( Experion.com/freeze ) there is NO OPTION TO REINSTATE THE FREEZE. I spent over 1 hour trying to contact Experion to reinstate the freeze on my credit.
This Company left me vulnerable to identity theft by NOT AVAILING THE PUBLIC ACCESS TO CREDIT FREEZE SERVICES.

This Company should NOT BE IN THE CREDIT BUSINESS SERVING THE PUBLIC?

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 2022-01-24
Company: Experian Information Solutions Inc.
State: NV
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Im not able to login on Experian website like I use to ; as if, Ive been blocked off it. 
For complaint 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 explanation
Consumer complaint received 2022-02-18
Company: Netspend Corporation
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble getting information about the card

Complaint:
in XX/XX/2019 western union NetSpend locked me out my account told me that account is closed because of suspicious activity. they would tell me suspicious activity and said I was forbidden to ever use the company again. so I've contacted them several times requesting my transaction history. each time the put me on hold I've been on hold as long as XXXX hours they since account is closed and not active they can't give me my transaction history on top of won't give a legit reason why they closed my account and won't let me get back into it

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 2021-09-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
To whom it may concern ; 1st XXXX XXXX  was paid in full and still show my balance higher then my credit limit. This affecting my credit score because it showing I'm over the limit.

2nd it showing on XXXX late on XX/XX/20 and no payment information from XX/XX/20 to XX/XX/20 and is also affecting credit score.

3rd on all 3 credit agencies ( XXXX, Transunion, and XXXX ) are reporting different and inaccurate information.

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 2017-11-12
Company: TD BANK US HOLDING COMPANY
State: SC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XXXX XXXX XXXX TD Bank Locked My Account Holding Electronic ACH Deposits, I Have Made At Least 10 Phone Calls With No Resolution To This. My Debit Card IS Also Locked They Refuse To Let Me Close My Accounts and continue to charge a monthly fee depleting my balance the balance they wont let me access they tell me they dont know how to fix it and have given me no means to resolve it

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-06-12
Company: TOLEDO FINANCE CORPORATION
State: AR
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Struggling to pay your loan

Complaint:
Todelo finance on XXXX XXXX XXXX XXXX keeps repeatedly calling my friends family and myself they have my number and have called me multiple times sometimes two times a day yet they keep calling all my references, multiple times a week they have been asked to stop some of the calls to me XXXX XXXX XXXX and XXXX XX/XX/2019 XXXX XXXX XXXX XXXX XXXX XX/XX/2019 XXXX this is after i had already told them I did not have any money during these same times they called me they also called most of my references i have call history proof from me and some references that go back months if mutiple calls and harassment threats of garnishment if I don't pay by certain days

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-23
Company: Experian Information Solutions Inc.
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:
To whom it may concern ; 1st XXXX XXXX  was paid in full and still show my balance higher then my credit limit. This affecting my credit score because it showing I'm over the limit.

2nd it showing on XXXX late on XX/XX/20 and no payment information from XX/XX/20 to XX/XX/20 and is also affecting credit score.

3rd on all 3 credit agencies ( Experian, XXXX, and XXXX ) are reporting different and inaccurate information.

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 2019-06-03
Company: LEXISNEXIS
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: Was not notified of investigation status or results

Complaint:
I submitted a public record investigation request to LexisNexis XX/XX/2018. As of today I have not received a response. LexisNexis is in clear violation of the FCRA in that they have exceeded the 30 days allocated to them to respond per FCRA

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-01
Company: Netspend Corporation
State: NY
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:
Back in XX/XX/2021, I purchased an XXXX from a 3rd party on XXXX website. When I received the XXXX it was defective and did not work properly. I filled out the on line form on XXXX website to return the product and send it back by the deadline of XX/XX/XXXX using the XXXX return label provided by XXXX. Then 3 months later, a few days before XXXX I log into my account ( NetSpend ) to see my balance to do my kids XXXX shopping and I see a charge for {$560.00} from XXXX. I had recently made a purchase with XXXX and thought someone had stole my card information, so I filed a dispute with Netspend. 10 business days later I received the refund for the transaction and I thought all was said and done. Then at the end of XXXX I see once again I was charged by XXXX. I contact NetSpend and they tell me that XXXX sent them proof it was a legitimate charge. I tell them that I didn't make a charge with XXXX and what documents could they have possibly sent them. They tell me they will send them to my email. I receive an email from NetSpend with some documents from XXXX saying they never received my return of the XXXX. I immediately go to find my tracking number for the return, thinking that it must have gotten lost in the mail or something, but when I track the package it shows that XXXX received it. I also find an email from XXXX saying that they received it before they credited the money back originally. I send this info to NetSpend 3 times and call multiple times and finally today someone calls me back and says that it is a merchant issue and I will have to contact XXXX. I have contacted XXXX multiple times and they keep giving me a run around saying that they will notify the department that takes care of these issues to refund me and someone will call me back, but no one calls me back. I am a single mom on SSDI, and I have had almost {$600.00} dollars basically stollen from me by a big giant corporation and I can't get my bank ( NetSpend ) or XXXX to do anything about it.

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 2022-08-12
Company: EQUIFAX, INC.
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I submitted a complaint to the Consumer Finance Protection Bureau on XX/XX/XXXX, 2 of the 3 companies responded on XX/XX/XXXX they include Equifax Credit Bureau and XXXX Credit Bureau. XXXX did not yet respond which also is an issue. All the information listed on my consumer report was added through identity theft. 15 USC 1681B clearly states the consumer must provide written consent for anything added to their consumer report. Which means they obtained all information through identity theft because I did not consent. That is also a violation of 18 USC1028A aggravated identify theft and the privacy act of XXXX seeing as they shared my SSN. According to 15 USC 1681C-2 the consumer reporting agency has 4 business days to block information resulting from alleged identity theft. It has been 4 days since they opened their investigation and no action has been taken.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-18
Company: Klarna AB
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
This company Klarna says I owe {$150.00} that I paid off months ago before it went into collections. The company agrees I paid off my debt but they haven't rectified my account going into collections. I do not owe this money.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-29
Company: JPMORGAN CHASE & CO.
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Chase XXXX XXXX has reversed several alleged fraudulent and/or unauthorized purchases to the primary account holder that were made by me, as an authorized user and very known to the primary account holder, without any investigation whatsoever, which has locked me out of many of my accounts including my XXXX account. The primary holder decided to make these fraudulent disputes after I had moved out of the residence without contacting me. This has caused a very dangerous situation, including reversal of FIVE ( 5 ) car payments that I had made, causing my car loan to become over 120 days past due, insurance payments and additional bills that I had paid, as authorized user, while the primary holder was well aware of EVERY SINGLE TRANSACTION I HAD MADE AND HAS MADE NO ATTEMPT TO CONTACT ME PRIOR TO REPORTING THESE CLAIMS. THE PRIMARY USER HIMSELF HAS COMMITTED FRAUD!!! 
Chase had issued two credit cards that were requested by the primary holder for me to use as authorized card holder, cards ending in XXXX and XXXX, that were personally requested by the primary cardholder and given to me by the primary card holder for use as an authorized user to make purchases, with my own cards that included my name, that the primary account holder acknowledged and personally handed to me at the residence where we lived together. I have paid several of my bills that are very known to the primary holder and I have also paid the primary holder thousands of dollars towards said bills. MONTHS later, I am finding out that most of the charges that I made ( ALL THE WAY BACK TO XXXX HERE WE ARE IN XXXX ) were REVERSED AND THE PRIMARY HOLDER HAS RECEIVED SEVERAL REFUNDS!? NONE OF MY CHARGES WERE FRAUD OR UNAUTHORIZED!!! This is a very dangerous situation causing me to repay several of my merchants that I was previously authorized to pay bills to by the primary cardholder. Chase will not speak to me since the primary holder has removed me from the account. Chase should not be issuing authorized user cards and then allowing primary holders to claim at least NINE ( 9 ) claims of fraud/ unauthorized use without any investigation. Without some proof of " unauthorized use '' ( which is impossible if I was an authorized user and was permitted to use the cards ) I should not be subject to repay my merchants because of Fraud/ Unauthorized use under Federal or State laws which include as an element actual, intentional, unauthorized use. This is bad faith to consumers. HOW do my charges, as authorized user, get reversed MONTHS LATER!? MY CHARGES ARE NOT FRAUD!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-18
Company: Westlake Services, LLC
State: VA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
I had a XXXX XXXX financed with westlake a few years ago. The vehicle was repossessed and ive been trying to reach them in the last month to settle the balance. The company that westlake placed the account with will not return my calls making it impossible to close out the account. I have called multiple times and no luck. See notes below XX/XX/XXXX - XXXX - Westlake Financial - XXXX - XXXX XXXX  has the account - account # XXXX XXXX. They closed at 5. Will call back monday. XX/XX/XXXX - XXXX - account being handled by XXXX XXXX - XXXX extn XXXX - Unavailable. Will try again tomorrow XX/XX/XXXX - XXXX - No answer. XX/XX/XXXX XXXX - left message- waiting on return call. XXXX - XX/XX/XXXX - attys office called back - rep couldnt locate the account. Transferred to the rep that handles westlake. Left a message XX/XX/XXXX XXXX - left a voicemail XX/XX/XXXX XXXX no answer. left a message

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 2018-01-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
Capital one offered me a credit card with one interest rate, but has increased that rate mid-cycle. Also, despite my having paid {$200.00} on my balance of {$580.00} over the course of 2 months, the interest I owe has increased rather than decreased making me owe more than I should.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-10
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
When I signed my loan I originally agreed to electronic billing. However since then USAA has restricted my access to USAA.com. My loan had been setup for automatic billing through my USAA checking account, which USAA has thus since closed with no warning reason or clear explanation. Since then I have made multiple calls and they have received notification I have not received my statements, and requests for delivery. USAA has stated on multiple occasions they will send me a statement in the mail, so I know how much, when and where to sent my payment. Most recently they informed my because I agreed to online billing they would not send me a statement. This poses a problem as I have no way of receiving the statements or paying my bill accurately or on time due to USAA 's direct and devious actions.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Information belongs to someone else

Complaint:
XXXX, TRANSUNION AND XXXX ARE REPORTING FRAUDULENT ACCOUNTS ON MY CREDIT REPORT. BELOW ARE THE LIST OF FRAUDULENT ACCOUNTS : XXXX/DEPT OF ED : XXXX -- -> : {$1800.00} XXXXDEPT OF ED : XXXX -- -> : {$3300.00}

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 2019-08-02
Company: EQUIFAX, INC.
State: OH
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 name is XXXX XXXX XXXX my DOB XXXX my SS XXXX, I have some unknown addresses and accounts that are on my credit report. I have never done business with XXXX XXXX XXXX # XXXX, XXXX  XXXX XXXX XXXX , XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, I was told to file a report with the FTC and XXXX police for this fraudulent account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-11-15
Company: BB&T CORPORATION
State: TX
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:
BB & T investigated fraudulent inquries from regional acceptance on my credit report. Their investigation was simply seeing if my information matched the address I put on the consumer dispute. This was not a thorough investigation and they said my credit was ran XXXX times. That should be a flag within itself.

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