BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-03-05
Company: Blackhawk Network Holdings Inc.
State: CA
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 purchased 10 MasterCard Giftcard for {$100.00} each from XXXX on XX/XX/2020. I received them in 3 envelope on around XX/XX/2020. I immediately activated them and verified the balance was correct on each card. Then I tried to use them a few times in different local stores but the transaction always got cancelled. I even tried them on XXXX but still didn't work. I searched online and found many similar complains reported by other customers and decided to call in to get replacements. I called the giftcardmall.com which is located on the back of the card and they transferred me to MasterCard or BlackHawk customer service ( I don't remember exactly which one now ) to get them fixed. I then talked with an agent and after verifying all these card still have full balance she agreed to send me the replacement cards and said I should receive them within 7-10 business days. But until today XX/XX/2020 I still have not received anything from them. The worst thing is now every time when I called back again on the same number, since all of these cards were de-activated by the first agent, none of the customer service agents would like to help me anymore. They either transferred me to another department or even asked me to go to the issuer bank ( XXXX ) to get the replacements. None of them would really like to help me and I'm now sitting on these 10 dead cards worth {$1000.00} now. I'm very disappointment on the XXXX  selling these defective cards and also the lack of customer service with those issuer and merchants especially when customers are having issues with these cards. Hopefully one of these merchants can see my report and could have someone look into my case. Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-05
Company: BBVA FINANCIAL CORPORATION
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Reference prior claim XXXX You still did not address why your OLB system posted my payment twice. Please listen to all phone calls and note your BBVA representative states that there was an error with your OLB. The multiple payments are proof of the error yet you will not acknowledge the error and possible delayed posting due to the error. Please send documentation showing your research of your online banking system showing that I did not login. Please also provide documentation showing your IT department was involved and acknowledges why the error caused 2 payments to be debited  but in deed couldn't cause the payment posting to be delayed. Please also provide documentation showing the confirmation numbers provided to me via your online banking system were tracked and details of that tracking.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-09
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:
On complaint # XXXX Experian advised that the alleged bankruptcy was verified by the data furnisher, however they have still failed to tell me who the data furnisher is that they verified this information with. 

Under FCRA 609. Disclosures to consumers [ 15 U.S.C. 1681g ], ( a ) Information on file ; sources ; report recipients. Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer : ( 2 ) The sources of the information. 

I have filed multiple disputes and CFPB complaints requesting for Experian to provide the information for the data furnisher that they are alleging verifying this information with. 

How is this information accurate if XXXX nor XXXX is reporting the information. Experian is the only credit bureau reporting this inaccurate information to my consumer file. XXXX XXXX does not have this alleged bankruptcy on my consumer file and the Courthouse advised me that they do not verify bankruptcies with credit reporting agencies. By law you MUST tell me who the data furnisher is that you claim you are verifying this information with so that I am able to contact them. 

This is defamation of my charter, and you all are causing me a great amount of stress. 
I will again ask who is the data furnisher that you verified this alleged debt with? 
If you do not provide me with this information, I will be forced to proceed with legal action against your company for violating my rights under the FCRA.

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 2021-08-05
Company: Convergent Resources, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
For months I have been receiving constant harassment calls from Convergent Outsoursing Inc. After months of missed calls, I changed my phone number because this is the number I use for work. Convergent Outsoursing Inc somehow found out about the new work number and continued the harassment, the constant calls at inconvenient times, they reported the alleged debt as collections to the credit reporting agencies to coerce me into payment, I sent them a Cease and Desist on XX/XX/2021 and they received it on XX/XX/2021, since then they still report this alleged debt/collection. 
I have requested them to stop collection attempts and they still abuse and violate my consumer rights.

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 2020-03-05
Company: JPMORGAN CHASE & CO.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
Under penalties of perjury LIES and Fabrication of statements JPMorgan claims they have an original promissory note and mortgage signed by me to them which is a fabrication and false, lies. I never have signed any documents with them. 
For over 12 years they've called and harass me threaten me 2 and 3 times a day over 3000 phone calls. 
See : XXXX, XXXX. 
We suffer from XXXX XXXX now, XXXX XXXX XXXX, our grand kids are distinct now, this is all over the internet as delinquents. 
All I did was get a VISA credit disclosure from Washington Mutual which was terminated in XX/XX/2008 and never assigned to no one. 
Please HELP Help.We are retired and can't cope with this anymore PLEASE HELP ME ... 
They call my kids my grandkids my neighbors they come knocking on everyone 's home they harass us every day PLEASE HELP US STOP THEM we are old and retired and can not deal with this ...

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-05
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:
My mom informed me that I received a letter in the mail from where I use to live stating I owed a debt of child support. I have never been put on child support. I did a little investigating and I was told that someone has given my name and social security number to claim money monthly. They have the wrong information. I decided to pull my credit report and it showed the exact same thing and several other accounts that had been opened under my name. These are unknown suspicious items I have never seen before. Please remove these fraudulent items from my credit report. 

XXXX XXXX {$130.00} XXXX XXXX {$98.00} XXXX XXXX XXXX {$840.00} XXXX XXXX XXXX {$140.00} XXXX  XXXX {$99.00} XXXX XXXX XXXX XXXX {$350.00} XXXX XXXX XXXX {$82.00} XXXX XXXX XXXX XXXX {$790.00} XXXX XXXX XXXX XXXX {$1100.00} XXXX/XXXX XXXX XXXX {$610.00} XXXX  XXXX {$1100.00}

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 2023-09-20
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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 2022-06-02
Company: EQUIFAX, INC.
State: FL
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:
CFPB : In accordance with the Fair Credit Reporting Act XX/XX/XXXX BNK, Account # XXXX has 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 an account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-11
Company: FIRST INTERSTATE BANCSYSTEM, INC.
State: GA
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
Great Western Bank ( GWB ) originated my Dept of VA loan on XXXX XXXX XXXX  as a result of its correspondent agreement with XXXX XXXX XXXX XXXX XXXX XXXX that the interest rate was guaranteed through this agreement as GWB did not keep these loan on its books. On XXXX XXXX XXXX GWB  did sale my loan to XXXX! The Note was endorsed to XXXX upon the sale and GWB had not further financial interest in the mortgage loan that belonged to XXXX who on XX/XX/XXXX, did a blank endorsement of the mortgage Note per XXXX XXXX requirements and relinquished the XXXX performed transferring ownership of the Note. So twice removed from ownership of the Note, GWB did violation Nebraska Statute 76-238 and delivered and record the Deed of Trust ( DOT ) creating a lien when in fact they were not owned a single cent as they been paid in full on XX/XX/XXXX. GWB admits to its failure of providing XXXX with the required titling information in which ownership of the debt can be attached to the property which was not done in this case. GWB after XX/XX/XXXX, never has the legal ability to record a lien against my property. GWB addresses its failure to provide XXXX the correct documentation at XXXX XXXX XXXX XXXX XXXX XXXX in the XXXX XXXX XXXX Limited Power of Attorney ( POA ) created by GWB XXXX XXXX XXXX that was delivered and recorded at XXXX on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-25
Company: Experian Information Solutions Inc.
State: NV
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:
To Whom It May Concern : I am a XXXX veteran and run a charitable 501c3 XXXX that saves wild mustangs and assists our nations veterans with suicide. I have recently become aware of some major hacks to my social security number and from their have started requests from the 3 major credit bureaus and the IRS in particular for help in correcting the situation. This situation has limited my ability to help the veterans as I was denied credit for not knowing false information was on my credit reports.

I am reaching for assistance regarding my credit report and the multiple times social security number has been hacked and used according to all 3 major credit bureaus XXXX, XXXX and Experian. 
I have already requested an investigation from the Internal Revenue Service ( IRS ) regarding my hack. 
I am including dates and items that I would like fully investigated and deleted from my credit reports as it is not me nor have I been associated with this account. I have never heard some of these items. And now I am reaching out to you for help. 
In the following 15 U.S.C. Sec. 1681 ( a )? I am aware that if proof can not be provided, these accounts must be deleted.I want these accounts deleted if they are not 100 percent right and correct. So, could you please check on these and get back with me, it is much appreciated. 
The social security breaches occurred on the following dates according to all 3 major credit reports : Site : Number of Breaches Type of Information Dates of Records XXXX 3 Social Security Number/Phone number/ XXXX passwords XX/XX/XXXX XXXX 2 Social Security Number/ Phone Number XX/XX/XXXX XXXX 1 Social Security Number/ XXXX XX/XX/XXXX Unavailable 1 Social Security Number/ XXXX XX/XX/XXXX Unavailable 1 Social Security Number/ XXXX XX/XX/XXXX Unavailable 1 Social Security Number/ Phone # / XX/XX/XXXX XXXX 1 Social Security Number/ Phone # XX/XX/XXXX Dark Web 1 Social Security Number XX/XX/XXXX XXXX XXXX Social Security Number XX/XX/XXXX XXXX XXXX PLEASE RESEARCH AND DELETE THE FOLLOWING ACCOUNT ON XXXX, XXXX and Experian ACCOUNT NAME : XXXX PAST DUE XXXX : {$25000.00} LATE PAYMENTS : START DATE XXXX 3-120 plus days, 2-90 days- 2-60 days 2-30 days ON TIME : XXXX DATE : XX/XX/XXXX CHARGE OFF/ DATE OPENED XX/XX/XXXX ACCOUNT NUMBER : XXXX ( THIS ALL THE INFORMATION ON ACCOUNT NUMBER I HAVE AVAILABLE TO ME ) ADDRESS : XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX, DE XXXX Thank you for your assistance in handling this item immediately. 
XXXX XXXX Please find Driver License for verification of Identity

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 2022-02-06
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Account status incorrect

Complaint:
In the first months of the pandemic I lost my job and was unable to make on time payments until I found a new job. I paid my account in full and all my payments have been current since. I was told that no late payments would be reported. That has not been the situation. Please see Exhibits A and B which I have included in my complaint. These payments fall under the protection of the CARES ACT and should be reported as on time payments. 

The first company is Capital One ( Exhibit A ). 
The second company is also Capital One but for my Walmart credit card account ( Please see exhibit B ). All the information for my account and the companies reporting the inaccurate information are in the exhibits I have included as well as the months being inaccurately reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-04
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
On XX/XX/2020 I purchased a grill online from Lowes to be picked up at their location. After two months of not receiving a notification that the merchandise was ready for pick I decided to cancel the order. I went directly into the store to cancel the order on two different occasions and was told that as long as I didn't pick up the merchandise I would not be charged. I received my statement and I was charged for the grill. I called the creditor, Synchrony Bank and explained what happened and was advised to dispute the balance. I went into their webpage and disputed the balance. 

As of now, the balance still remains and when I called to find out what the resolution is, they said nothing as of yet and would submit a second dispute. Then they proceeded to tell me it would take another 60 days?!

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 2022-02-23
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: Their investigation did not fix an error on your report

Complaint:
I have a loan with the accounts mentioned below. The current statuses should not be showing late because I always made my payments on time. TRANSUNION lacks proper record keeping. These accounts are closed and when I requested records to prove theyre reporting is erroneously they have failed to provide me with any evidence.. Lets correct this immediately. The Bureau is required to verify for them, but they failed to neither verify nor update me about these complaints. Provide documentation that the Bureau has not abrogated my rights by reporting false information, otherwise remove these accounts immediately. It seems TRANSUNION is violating FCRA sections 611, 616 & 617. They have provided ZERO VERIFIABLE PROOF & I feel are willful noncomplying and being truly negligent. 


XXXX XXXX XXXX XXXX LOAN MGMT SER 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 2018-05-27
Company: Experian Information Solutions Inc.
State: VA
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 contacted XXXX and Experian by phone and by mail to dispute and have incorrect information removed from my credit reports after receiving the information directly from the companies. I have contacted XXXX and Experian the entire month of XX/XX/XXXXand XX/XX/XXXX by phone and U. S. postal mail. The companies also sent XXXX and Experian letters asking them to remove the information from my credit report as well and they are refusing to do so. Both credit agencies keep telling me that they can not remove the information only the companies can. I contacted the companies and they told me that they have notified XXXX  and Experian and that they will have to remove the disputed information not them. I have mailed letters and contacted them and I am not getting anywhere. The information still remains on my credit reports and XXXX and Experian is refusing to update my credit reports to reflect the correct information. I need assistance in this matter and the only other option I have left is to file a lawsuit against XXXX and Experian. I need assistance and for this information to be updated ASAP. The law states that information that is disputed must be updated or removed if not both. I am looking for my credit scores to go up with XXXX and Experian based on this information being removed from my credit reports. As of today the information is stil on my credit reports and XXXX and Experian is refusing to remove it. I have gotten no where with calling them and paying lots of money mailing the same information to them to remove the disputed information. XXXX  is the only credit agency that has updated this information without incident or problems. Once the information is removed from my credit reports I am also wanting to ensure that my credit scores do go up as well given that I've had so many problems with XXXX and Experian. Please assist me in this matter ASAP. I am up for renewal of my security clearance and I need for this information to be updated ASAP. Thank you for your prompt attention to this matter.

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 2023-10-31
Company: GOLDMAN SACHS BANK USA
State: OH
Product: Credit 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:
This is regarding a disputed transaction with XXXX XXXX in XXXX, PA. 

On XX/XX/XXXX, I checked into XXXX XXXX XXXX for a planned two-night stay. Unfortunately, on XX/XX/XXXX, I received the devastating news of my grandmother 's passing. Given the circumstances, I made the decision to check out around noon, a day earlier than planned. The front desk graciously acknowledged the situation and assured me of a refund for the unused night, amounting to {$210.00}. They provided me with a receipt clearly detailing this refund due back to my Apple Card. 

Days turned into weeks, and the promised refund did not appear on my card. Trusting in the reliability and integrity of the Apple brand, I initiated a dispute via Apple Card. However, I was genuinely shocked when the resolution initially sided with the merchant. I reopened the dispute and resubmitted my information, but it was again denied by Apple Card. 

To be clear, I have concrete evidence in the form of a physical receipt which confirms the refund owed to me. It is disheartening to think that despite such unequivocal proof, the matter was resolved against me, especially considering the emotional distress I was undergoing due to the sudden demise of a close family member.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-03-05
Company: CARD Corporation
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
I filed a dispute for not receiving my withdrawal from the atm and card.com refuses to give me my provisional credit

Company response to consumer: Closed with explanation