BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-08-01
Company: Blackhawk Network Holdings Inc.
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
I have a XXXX XXXX {$50.00} Prepaid Visa card that was issued to me last year. The card has a XX/XX/2018 expiration date which seems in violation of Federal and Massachusetts law governing non-expiration of prepaid cards. I dialed the customer service number on the card - XXXX and got an automated system that informed the card was expired with a {$0.00} balance but left no information for further action/appeal.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-05-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
A while back I lost my wallet with all my personal information inside. I didn't think much of it and just went to get a new social security and DL. I continued with my everyday life and never had an issue. Just a couple of days ago I decided to pull my credit because I continued to get suspicious letters in the mail. I looked at my report and I am shocked with the number of items that were opened on my name. These suspicious items are not mine. Please remove them from my report.

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 2019-02-20
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
re : Previously claim # COMPLAINT ID XXXX Please advise JP Morgan Chase bank that, as of the end of the week, I will be filing a claim in small claims court in XXXX XXXX District Superior Court. for the maximum amount of {$10000.00}. Despite the fact my original claim to the XXXX was filed on XX/XX/19, Chase operated belligerently and without any pretense of good faith in allowing me to access documents and form a substantial argument against their spurious allegations, have refused to communicate with me in writing, or provide any verification of the alleged debt owed. Their time frame for a reasonable response has long since expired, and I am ready to adjudicate this matter in open court.

Sincerely, XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
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:
Capital one ( XXXX ) XXXX I had a fraudulent transaction made on my account made in Monday XX/XX/XXXX at a XXXX store for {$140.00} and I received an alert on my phone App. I immediately reported it to the credit card company and told them that I was at work during that time and somehow there was a fraudulent activity on my account. They told me not to worry about it that my account was 100 % fraudulent protectected against unauthorized transactions and they removed the charge on XX/XX/XXXX. Then I received a letter that the investigation was closed and that they had determined that I was not liable for the fraudulent transaction. On XX/XX/XXXX XXXX rebilled the {$140.00} and said that pretty much they changed their mind and spoke to supervisor ID XXXX and said that they are holding me accountable for that transaction. I said if that I am not willing to accept responsibility for a transaction that was not made by me. She said that I couldnt do anything else and that I have to pay that unauthorized transaction.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-09-12
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I submitted a previous complaint about this discrepancy and issue and credit score drop and I found the discrepancy. When the update was made ; I see that the credit card closed date was changed from XXXX to XXXX. Please see the attachments This is what caused my decrease in my score on XXXX and what caused me to lose my home. What was the reason for the card closure date. 

Please reference complaints XXXX, XXXX, XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-04
Company: Law Office of Michael J. Scott, PC
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint:
I tried very diligently to settle and or honor the debt but they refuse the amount. I'M { XXXX } years of age, I'm on a fixed monthly income, I relinquished an of {$25.00} which is the limited amount my finances will allow me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-04
Company: United Revenue Corporation
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I reached out to the collection agency ( United Revenue Corp ) in a attempt to VALIDATE tarnishing information thats reflecting on my credit reports. Its my right as a consumer to take this step and theyre simply not willing to cooperate. I would like to see supporting documents that lawfully binds me to these alleged debts. Which is a total of 3 collections reflecting on my credit reports. Thank you!

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-24
Company: HCFS Healthcare Financial Services of TeamHealth
State: OH
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
ARS has been calling on a daily basis for a debt that I do not own. Under Section 604 15 U.S.C. 1681 B, the credit reporting agencies DO NOT have the right to report anything on my credit report.

Under Section 605 A 15 U.S.C. 1681 C-1 it states that with no consent, they MUST DELETE, = identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Unexpected or other fees

Complaint:
I received this card from the Unemployment department to receive my unemployment benefits. There were no transactions other than the weekly deposits until XXXX when I went to the Bank of America branch to make a withdrawal of {$5000.00}. Two weeks later on XX/XX/XXXX through XX/XX/XXXX transactions started appearing on my account totaling {$1700.00}. 

As soon as I realized this I contacted Bank of America on XXXX, they said they would open a case and would receive instructions on what to do next. 

On XX/XX/XXXX I called Bank of America because I had no received anything in the mail to which I was advised that my claim had been closed on XXXX and to which they didnt specify the reason why it was closed. They said it would be reopened and I needed to wait. 

On XX/XX/XXXX I called back because I had not heard anything, they told me the claim had been closed and didnt give me a reason either but supposedly they would reopen. 

From XXXX to XX/XX/XXXX I called asking to speak to a manager because they would not be able to give me information on why my case had never been reopened. Asked to speak to a manager several times and every time my call would get transferred somewhere then it would get disconnected. 

On XX/XX/XXXX i filed a claim with the XXXX  XXXX  XXXX. 

On XXXX I received an email from XXXX XXXX XXXX Resolution Specialist Regulatory Complaints stating that she would be taking care of my case but never heard anything back. I checked on the XXXX  website and they never received a resolution to the claim. 

The situation was very frustrated and I felt like I had nowhere else to go but to give up until a friend referred me to this website. I feel very frustrated for this situation. I was unemployed for almost a year and I really need the money to pay for my bills.

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 2019-08-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Multiple accounts are reporting on my credit report that is incorrect : XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-24
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
The amount of bank fraud that PHH commits is unreal. We are currently in a short sale review. Have been for 7 months. PHH ordered a new appraisal. The appraisal came back at {$280000.00}. Our offer in review is {$280000.00}. PHH declined our offer that is over market value and requested {$300000.00}. That's good old fashioned bank fraud. Our offer is over market value!!! What PHH is doing is illegal. Bank fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-14
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint # and contacted the police department and obtained a police report # which both are attached. Please block and remove all information from my credit report, and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did not authorize : please see attachment.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-20
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
in the spring of XXXX i received a colecttion notice from XXXX XXXX XXXX for remaining balance of XXXX for my XXXX XXXX  XXXX card on XX/XX/XXXX paid remaining balance i have canceled check and bank statment for that check. in XX/XX/XXXX received a colections notice from XXXX for same XXXX account for the same XXXX began disputes at this time sent supporting documents to experian multiple times only have proof of certified letter sent to XXXX with supporting documnts on XX/XX/XXXX at this time i belived everything was taken care of but on XX/XX/XXXX recived another collection notice for same account for same amount from XXXX XXXX began disputes again this time after multiple phone calles the account was marked paid XX/XX/XXXX did not look into it to much even though they were a year off of date it was paid it was over. until XX/XX/XXXX i began making sure my accounts were all accurate or reports to find out it is marked paid but as a charge off ... so after multiple attempts to resolve situation and sending support documents nothing happened my criedit score is still suffering

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 2019-07-26
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: Their investigation did not fix an error on your report

Complaint:
XXXX ; XXXX and Transunion are reporting incorrectly a collection with XXXX XXXX XXXX XXXX XXXX partial account number XXXX for {$200.00}. ( Please see pages 25 and 26 of the attached credit report. ) This collection item was deleted from my credit report however, now it has re-appeared from the same collection agency, XXXX, and they have now generated a new account number and re-aged this collection. By doing this, they are in violation of the Fair Credit Reporting Act. I have contacted the ( 3 ) bureaus to have these line items removed however, I have not been successful. This incorrect reporting is harming my credit score and these line items need to be removed from my credit report.

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 2019-08-24
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Incorrect accounts are reporting on my credit report US DEPT ED XXXX DEPTEDXXXX XXXX US DEPT ED XXXX US DEPT ED XXXX DEPTEDXXXX XXXX US DEPT ED XXXX US DEPT ED XXXX DEPTEDXXXX XXXX XXXX XXXX XXXX  XXXX US DEPT ED XXXX US DEPT ED XXXX DEPTEDXXXX XXXX DEPTEDXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-13
Company: FIRST ADVANTAGE CORPORATION
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Applied to XXXX for employment had to get background check with First Advantage. 
Received my consumer report in XX/XX/2017 saying my social security did not match. I went to the social security office to get proof of identification made a dispute. I thought everything was fixed but called and they now said I had a XXXX I dispute it but every now and then when I call they still say I have a XXXX so they haven't fixed it. Now they say they can't find my credit score and history I have I have checked my credit everything matches my name everything is fine so I don't understand how they can't find my information. I have been trying for months to start working and they haven't done anything to fix my disputes and whenever I call they are always so rude and don't want to help at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-20
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I was going over my credit report and I seen unauthorized inquires that I do not reocognize.Section 604 of the Fair Credit Reporting Act ( FCRA ) sets forth requirements, called " permissiblepurposes, '' that must be met before anyone can inquire a credit file. I never gave any permission for the following companies to pull my credit report XXXX XXXX XXXX / XXXX   demand to see the application for credit or request for business. I demand see the purpose, and written contract, and proof that I applied for these accounts?? I am a victim of Fraud and I am protecting my credit file as much as I can.

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 2019-02-20
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
I currently have two American Express points Credit card. I have earned close to XXXX points. I was trying to redeem the points, I get an error stating that my account is on hold and I am not able to use the points. Upon speaking to several customer representatives, I was told there was a hold on spending the points for a few months without giving a clear reason for the same. No representative has an idea of why it is happening this way.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-30
Company: EQUIFAX, INC.
State: NY
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 am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-09
Company: EdFinancial Services
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
Edfinancial is currently showing payments that due on XX/XX/2023 and are now past due, even though student loan payments do not resume until XX/XX/2023.

Company response to consumer: Untimely response
Consumer complaint received 2020-12-04
Company: Screening Reports Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I recently applied for housing with XXXX XXXX XXXX XXXX. The application was denied due to inaccurate information reported by Screen Reporters, INC. The report shows : Plaintiff Disposition Eviction Case # XXXX XX/XX/XXXX Case # XXXX XX/XX/XXXX This information is inaccurate and an eviction never took place. I'm providing documents as evidence.

Company response to consumer: Untimely response
Consumer complaint received 2020-10-18
Company: Experian Information Solutions Inc.
State: WA
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:
Experian I had applyed for a duplex for rent and was denied do to experian NOT having info on me when ALL the others did i feel it is unfair and they need to update there system. To continue to do this is very harmful to consumers who have to pay for this transaction when they have NO INFO to offer. Please do something about this problem i can just inmagian how much money they have taken from consumers and offer NOTHING in return. 
I do have the letter the property managment sent out saying it was based on no info

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 2022-10-10
Company: EQUIFAX, INC.
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I did not open ANY of the following accounts. They are fraudulent. XXXX XXXX  Account number : XXXX Date opened : XX/XX/XXXX XXXX XXXX XXXX  Account number : XXXX Date opened : XX/XX/XXXX XXXX  XXXX XXXX Account number : XXXX Date opened : XX/XX/XXXX XXXX  XXXX  & XXXX  Account number : XXXX Date opened : XX/XX/XXXX XXXX XXXX XXXX  Account number : XXXX Date opened : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-04
Company: Southwest Credit Systems, L.P.
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have disputed this account with Southwest Credit Systems and I have received nothing from them at all. I do not know why they are on my credit, what I supposedly owe them for, or who they are. They have willfully disregarded my dispute letters, they have violated my rights granted under the FCRA and FDCPA by not providing me with any of the required documentation necessary for them to be on my credit, and even though I've begged them to stop calling my cell phone and workplace, they have continued to do so on an autodialed line. This is outrageous. HELP ME!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Their investigation did not fix an error on your report

Complaint:
I sent both XXXX  and Transunion a letter requesting that they verify and validate information that they are reporting on my credit report and I also requested WRITTEN validation and verification that the previously disputed items they are being paid to list on my credit file. 

This is my 3rd request and they have not sent anything to me. per federal law they are required to. As I have previously written them that their is someone else that bears my same name and the accounts that they are listing on my report is inaccurate and that a proper investigation needs to be conducted not just a letter sent to me stating that they completed the investigation and no results sent to me.

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), they are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

We are requesting that they abide by the Federal Laws in 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