BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-11-14
Company: Netspend Corporation
State: VA
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 netspend prepaid account i have had it for a few years now.. the problem started when i went to pay for a item on XXXX its called XXXX XXXX.. i had to order a new card for {$25.00} so i could get the card overnighted or i would have to wait 10 or more days for a new card for free i had no choice but to pay for a new card and get it right away all my money is on there.. they put a block on it so i didnt have access to my account at all because they put a block on my card even though i answered to the charge and told them it was me..so i paid and got a new card activated it and was using it as one does.. then my wife and i went out of town to buy a Motorcycle for {$4500.00} so my i could resell it for {$6500.00} i had the deal already set up drove a few hours away got there tried to get my money off and it would work so i looked at my text i got same one there may be a problem so i called the lady said a purchase on XXXX pay happened wanted to make sure it was me i said yes it was she said to me the block was removed i could use my card in XXXX i even got a text saying the same thing that the block had been removed i could use card immediately!! So we waited and nothing i couldnt get the motorcycle i drove all that way for which was embarrassing i couldnt get home i couldnt feed my XXXX small children or get gas all my money was on my card i was stranded with my kids out of town i had to call my mother who had to XXXX XXXX me money for a big fee.. i had to walk with them to pick it up so im out almost {$5000.00} dollars cause Netspend keeps putting blocks on my card even though i talk to them and tell them its me.. i called a supervisor at netspend last night who left me on phone on hold for 36min and didnt even put in for a new card so i could have my money..he just left me on hold until they closed!! i had to call again today and now have to wait 3 days for a new card they kept trying to charge me to send me a new card im tired of not having access to my money i want to SUE them they can not do this i was stranded withmy wife and XXXX kids out of town i lost a good deal i had to borrow money and still have to wait to have access to my money they need to PAY they are scamming people they put blocks on peoples accounts so you have to pay to get your money how awful

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 2022-04-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
In accordance with the fair credit reporting act convergent account # 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 XXXX XXXX  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 a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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 2017-04-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
Transunion, and Equifax have  re0inserted  an Item that was deleted almost a year ago. per FRCA, th e CB  's did not inform me within the 5 days of re-insertion.

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 2021-11-14
Company: LEXISNEXIS
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:
I have submitted numerous disputes with XXXX, XXXX and XXXX regarding an alleged bankruptcy chapter XXXX Case Number XXXX. This has been an on going issue since XX/XX/2021 and its now XX/XX/2021 and still no resolution. Lexis Nexis is the company who initially reported this inaccurate bankruptcy to the credit bureaus. Lexis Nexis has advised me that they have deleted this inaccurate bankruptcy from my consumer file however every time I file a dispute with XXXX, XXXX and XXXX they say this alleged bankruptcy has been verified as accurate with there 3rd party data furnisher Lexis Nexis. I have contacted Lexis Nexis several times to resolve this matter and have asked them to contact the credit bureaus by phone and mail and they refuse to. They keep telling me the alleged bankruptcy is deleted from my consumer report however the credit bureaus keep telling me that Lexis Nexis is verifying this alleged bankruptcy as accurate with them. I am stuck between the credit bureaus and Lexis Nexis and I am tried of going back and fourth with them. CFPB I need your help to get this matter resolved as soon as possible. This inaccurate item has ruined my reputation. If you look back on my previous complaints this has been an ongoing issue. Please delete this bankruptcy from my Lexis Nexis, XXXX, XXXX and XXXX credit file immediately as this is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-14
Company: LAKEVIEW LOAN SERVICING, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My wife and I have an Inpounded Account with LakeView Loan Services, LLC. Our home insurance, XXXX XXXX XXXX, informed us that our lender did not pay the yearly renewal that was due XX/XX/21.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-05
Company: Navient Solutions, LLC.
State: WA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
I attended XXXX College in XXXX WA from XXXX. My school loan was for approx XXXX. I was awarded a federal pell grant, which paid  everything except XXXX which I was responsible for paying ; I paid that in full. My loan was handled by Navient loan Servicer. For some reason they took my XXXX tax return of XXXX out of my bank account directly. I was given this number by the IRS XXXX and told to call them to find out why they are taking my tax return money. I did so, the XXXX number was a debt collector agency and would not discuss any details with me ; they were only able to tell me that I owe the " US Department of Education '' {$16000.00} for a school loan that I had n't paid. <P/>My student loan was paid in full inXX/XX/XXXX; between my pell grant and my personal payments of {$2000.00}. <P/>There is absolutely no reason why I should have over {$16000.00} dollars worth of school loan debt! <P/>This XXXX number representative also told me that the US Department of Education had sent me bills for this debt - which is false ; they did n't even have my correct address on file! I have never received any sort of bill for this debt and it is a wrongful debt not owed by me ; still they unknowingly took my entire tax refund from me. That money was for my XXXX young daughters. How can I replace that income lost that I rightfully earned!? <P/>I also checked my credit report with XXXX and XXXX - this debt is not on my credit report anywhere ; most liked because it was added falsely and recently.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-14
Company: GOLDMAN SACHS BANK USA
State: AL
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:
I paid my payment to Apple in XXXX at the end of the month. 
I received an email from Apple which I will send to you with this dispute saying that due to a system error my payment was mistakenly not applied for my XXXX payment and that they were updating my XXXX status to current. 
Well, they still reported me as late even though I have an email saying it was their fault and they would change it. It made my credit score go down a ton and I am in the process of buying a house. I called and they are not helpful and act like they have no idea how to fix it. literally have an email from they admitting it was their fault so I want justice. 
I lost a parent to XXXX and had XXXX  myself in XXXX and I had to borrow money to pay them. I DID and THEY made a mistake and need to fix it. 
This doesn't just impact me but my kids and husband who may lose our new home due to APPLES mistake.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-07
Company: BOK FINANCIAL CORP
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Im trying to use my debit card while travelling but the bank locked my card and I called them to unlock something they are refussing to do it.

They sent me a code to my phone and I never receive, but the sms code to access online banking I receive that whithout any problem

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-07
Company: EQUIFAX, 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 sent disputed to XXXX and Equifax for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 30 days and have failed to respond. I am attaching a Copy of all letters sent below.

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-11
Company: Seattle Service Bureau, Inc
State: NE
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This is not my account and is the result of identity theft. I have disputed this item several times with the credit bureaus. The collection agency National Service Bureau is reporting a fraud account on my credit report in the amount of {$200.00}. This is not my account and needs to be removed from my credit report immediately. This is a violation of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have a signed agreement stating that the account would be closed and reported as paid in full. It still says I owe a balance. They are legit trying to steal from me, I have proof and previous XXXX  conversations. 


They updated it XX/XX/XXXX stating that I still owe half of the balance. I have attached their PDF to me, and I attached their statement to the XXXX. 


They are trying to extort me out of more money because I told them I am in the process of buying a house, this is predatory

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
REMOVE FRAUD ALERT.

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 2021-11-14
Company: Bread Financial Holdings, Inc.
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Unexpected or other fees

Complaint:
BJs charged an annual membership fee to a Mastercard that is under my social security number without my permission and the card was never activated. Therefore I had no knowledge of the charge. BJs charged late fees to the card and later closed the account for non payment that I did authorized which severely affected my credit score. BJs have since reversed the charges but the negative information is still affecting my credit score. Please remove the negative information from my credit report. Thank you in advance for your assistance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-11
Company: WELLS FARGO & COMPANY
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 information incorrect

Complaint:
After a comprehensive analysis of my credit report. There are FCRA VIOLATIONS from creditors Wells Fargo on my consumer 's report. Although, Transunion has deleted the erroneous items and, Equifax has reported positive payment history. Experian continues to report these errors. Wells Fargo is in clear violation of the following : FCRA 623 ( a ) ( 7 ) ( G ) ( i ) Negative Information from Financial Institutions If you are a financial institution ( as defined in the Gramm-Leach-Bliley Act ) that extends credit and regularly reports negative information about your customers to a nationwide CRA ( for example, XXXX, XXXX, or XXXX ), you must notify your customers that you report such negative information. 
Examples of negative information include a customers delinquencies, late payments, insolvency, or any form of default. 

FCRA 15 U.S. Code 1681b ( 2 ) Notice to Consumer FCRA 15 U.S. Code 1681n - Civil Liability for Willful Non-Compliance FRCA 15 U.S. Code 1681b - Failure to Validation of Debt After I sent that complaint letter for Equifax on XX/XX/2021 to adjust the credit reporting Wells Fargo then falsify more information by adding and removing positive payment history in addition to the negative furnishings Thus breaking more FCRA violations against me. Not only did they update my payment history incorrectly, they furnished new negative information on my account without informing me. Thus defaming my reputation and harassing me from my true creditworthiness. 

FCRA 15 U.S. Code 1681b ( 2 ) Notice to Consumer FCRA 15 U.S. Code 1692d Harassment or abuse FCRA 15 U.S. Code 1666b ( a ) Timing of Payments ; Informing consumer with statement mailed of coming payment

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 2022-04-07
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:
somebody stole my identity while I was XXXX, And is ruining my credit by making outrageous purchases. I have no knowledge of what and who this could be.

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 2022-04-07
Company: EQUIFAX, 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:
somebody stole my identity while I was XXXX, And is ruining my credit by making outrageous purchases. I have no knowledge of what and who this could be.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-11
Company: Bread Financial Holdings, Inc.
State: MO
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:
I had paid off XXXX XXXX 4.5 ish years ago and there are two different reports on all of my credit reports. One report says current and the other says derogatory. XXXX XXXX was supposed to take off the derogatory mark and never did they promised me. 

It has also happened with Ann Taylor and XXXX both paid off and still have the derogatory reports listed

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-28
Company: Bread Financial Holdings, Inc.
State: WA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
My XXXX XXXX credit card was charged a Return Payment Fee of {$28.00} on XX/XX/2019 because the scheduled payment of {$150.00} did not process. The bank was called on XX/XX/2019 when it was is discovered that the payment had not been processed. The bank reported that no transaction had been received in that amount. I called Comenity Bank Customer Care for the credit card and went over the information with the Payment Solutions Department. The individual who assisted me went over the bank account information and discovered that the system automatically deletes the leading XXXX for the routing number resulting in an error when the payment is processed and the bank account not being found. A correction was and a payment was then scheduled for a today XX/XX/2019 of {$150.00} to be applied to my credit card balance. Since it was discovered that it was Comenity Bank 's own system that caused the payment to be returned I asked that they refund the Return Payment Fee, the representative I was then transferred to stated that their system did not allow for such an action and that they do not and would not credit my account {$28.00}. I understand if it had been an error on my end but that was not the case and I ended the call there.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-09
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
I have contacted the collection agency XXXX XXXX XXXX directly, as well as, XXXX, Equifax, and XXXX  since XX/XX/2019 disputing the error that is being reported in the amount of $ XXXX.This is heavily affecting my quality of life. Neither the collection agency or the credit bureaus has provided me with a contract or other legal proof supporting their claim. Both of them just send form letters that avoid the request to show proof. I need their ridiculous paper shuffle to stop. By law, I do know that they must provide the information as I requested or stop collection effects and delete the errors.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-05
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:
As a result of the financial crisis in  XXXX , I was hit hard after just purchasing a home. I got married in  XX/XX/XXXX and moved to a larger home since we both had children. My old home was listed for sale but did not sell since property values were dropping. I used two  XXXX  credit cards to help pay for electric and heat and mortgage while I tried to sell it. One account rose to over {$12000.00} and the other to over {$17000.00}.   The two accounts were written off a few years ago. This past year, I tried contacting them to " settle '' in order to improve my  credit score. I hi red an attorney to help me with this. The attorney pointed out that th e Statute of L imitations had expired on both accounts since my last payments on both accounts were in  XXXX . I filed disputes with the  three credit bureaus. One removed the two   XXXX  accounts from my file. Two others,  XXXX  and Transunion, have not done so. I have filed disputes each of the last three months. The dates they show of last payment are incorrect. They have provided my attorney with true and accurate earlier dates. I have advised them of this and both accounts continue to show in my reports. I need them removed. I have specifically pointed out that the date of last payment they show is incorrect and I have told them they need to check, update, and remove. I believe they have not checked, but simply looked at the erroneous date and accepted is fact. What they should have done is researched the date of last payment, fixed their errors, and removed the two accounts from my reports.

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