BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-04-14
Company: Blackhawk Network Holdings Inc.
State: TX
Product: Prepaid card
Sub-product: General purpose card
Issue: Fraud or scam

Complaint:
I have purchased {$3000.00} in reload packs from the company, XXXX, a subsidiary of XXXX Holdings. 
I have been only able to load {$1500.00} and this only after hundreds of attempts to use the online service. XXXX of attempts result in the same error message, 'We are experiencing technical difficulties '. 
I have made multiple calls to their customer service department and was told, after HOURS on hold, that a customer service supervisor would get back to me. That never happened. 
I need the money I have paid to use this companies service for a medical emergency. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-16
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: Investigation took more than 30 days

Complaint:
XX/XX/XXXX, called XX/XX/XXXXand Experian for credit i never applies XX/XX/XXXX called XX/XX/XXXXand Experian to remove inquiries for credit i never applied thank you XX/XX/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 2022-02-23
Company: Goodman Frost, PLLC
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I logged into XXXX website on XXXX XX/XX/2022. Found notification from XXXX XX/XX/2022 stating a collection agency, Goodman Frost, conducted a hard-pull on my credit file without a permissible purpose. The type of pull was identified as being related to an " instalment loan or new bank account inquiry. '' I have had zero ( 0 ) contact with the colection agency and am unaware of what any potential collection action could be for.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
The address on the account, was incorrect.

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 2017-10-15
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:
On my Equifax report there are 10 late payments from a XXXX XXXXXXXX XXXX account that is not mine..I have already disputed this account with XXXX XXXX by informing them that I did not open a credit card with them and am a victim of identity thief. They are still reporting late payments even with this knowledge.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-09-03
Company: Synovus Bank
State: FL
Product: Bank account or service
Sub-product: Cashing a check without an account
Issue: Making/receiving payments, sending money

Complaint:
Brother wrote a check for money owed. Went to XXXX Bank in XXXX where he does business to cash the check. They took my license, put my thumb print on the check told me they were going to charge me XXXX for cashing the check. Then refused to cash it with out authorization from the person that wrote the check to me. This is a very unfair practice and I have never been so embarrassed and they were very nasty. Is this the banks normal practice If you have all the I.D . and Thumb print that should be enought.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
Hello, my name is XXXX XXXX, I'm reaching out in hopes to get help with a situation I am going through with Bank of America. I fought back and forth with unemployment for 3 months to collect my funds when I finally was approved and the direct deposit hit {$5000.00} was transferred to an unknown account this was on XX/XX/XXXX I reported it to the claims department and they refunded my money and sent me a new card with a chip in it I received the refund on XX/XX/XXXX and then on XX/XX/XXXX an ACH withdrawal was transferred my account again in the amount of {$3500.00} I then call and submitted another claim and questioned how did this happen again when they made me go through different measures of security when it happened the first time. So now BOA is denying my claim and they said that they would send me the findings for their decision, they never did so I called them to inquire about it and they told me that the findings were no longer available because I requested a reconsideration so now the prior investigation has been wiped out and a new one started. I filed a police report I have also contacted XXXX  and BOA called me within 4 days of submitting the complaint and they left a phone number with an extension that does not connect you anywhere. They gave me a deadline of XX/XX/XXXX to submit further documentation but did not tell me in the message what it is they needed. So I submitted that complaint to BBB and they called me again I went to answer and the person hung up. When you go on the BOA complaint website you will find several people that they are doing this too. I need help retrieving my funds it has been a hardship on me and I can't seem to get through to them. I've called several times and first, they said I didn't have a claim now they said I had to submit a new claim which they declined now they are dragging their feet in showing me proof in their findings. If anyone could help me it would be greatly appreciated. 

My contact info is XXXX XXXX Thank you, Best Regards, 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 2015-08-25
Company: Ditech Financial LLC
State: OH
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Green Tree servicing. I accept that we have been frequently delinquent, we have XXXX children in college and finances are tight. I am currently late and spoke with Green Tree indicating payment will be made at next pay cycle ( XXXX XXXX 2015 XXXX for XXXX XXXX payment due. Grace period is 15 days. Green Tree told me they would not accept XXXX payment ( would return my check ) and that I would have to make XXXX payments or nothing. Instead of trying to work with me " a manager '' tried to discuss short selling my house.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-16
Company: Kimball, Tirey & St. John LLP
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
This complaint is regarding KIMBALL, TIREY, AND ST.JOHN 'S COLLECTION ACCOUNT NO. XXXX, wrongfully appearing on my XXXX credit report.The date of first delinquency is in error and fraudulent and RE-AGED and as such, this account is and has been published wrongfully, and should be deleted from the XXXX BUREAU REPORT. 
IN XX/XX/XXXX, THE CREDITOR RESPONDED TO THE CFPB TWICE, ASSERTING THE FAIR CREDIT REPORTING ACT that JUDGEMENTS can post for 7 years from entry.This is true, however this account has been a COLLECTION ACCOUNT from its first publishing and as such the DATE OF FIRST DELINQUENCY is significant.If the creditor 's JUDGMENT had been reported as a judgement to XXXX, it would be placed in the PUBLIC RECORDS portion of the report not THE COLLECTION ACCOUNT section of the report, AS IT IS TODAY.The account is about unpaid rent per rental contract.The rent was late or delinquent in XX/XX/XXXX and no money has been paid since, regardless of unlawful detainer action filed in XX/XX/XXXX, eviction in XX/XX/XXXX, entry of judgment in XX/XX/XXXX.The  debt is DELINQUENT rent plus fees and interest.The judgment is part of the collection process of collecting overdue rent.The rent was first delinquent and continuously delinquent since XX/XX/XXXX with the original creditor XXXX XXXX.. 
KIMBALL.TIREY STJOHN ADMITS TO THE ANSWER OF OVER 50 DISPUTES IN THEIR CFPB DISPUTE RESPONSES. EVERY DISPUTE WAS WRONGFULLY VERIFIED OR CERTIFIED. 
AS SUCH, REGARDING RE-AGING AND WRONGFUL VERIFICATIONS, EACH VERICATION carries statutory damages from $ 100-1000 dollars per incident and if the court deems they can award punitive damages.BOTH THE FURNISHER AND BUREAU ARE BOTH LIABLE FOR OVER 50 FALSE VERIFICATIONS.

50 X {$100.00} EQUALS {$5000.00} X {$1000.00} EQUALS {$50000.00} PLUS POSSIBLE PUNITIVE AWARD, should Kimball Tirey and I meet in court. 
XXXX regardless of the position of Kimball Tirey..has  the duty to delete this account because the bureau is currently liable for possible {$100000.00} in damage, themselves. 
All evidence attached is a portion of the judicially noticed evidence of a future court action.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-20
Company: Ditech Financial LLC
State: TX
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
Our mortgage with XXXX was purchased by Green Tree in approximately XX/XX/XXXX. We had loan modification completed with Green Tree during this time. We have made payments on time to Green Tree since then. Green Tree is now DiTech. We made a late payment for XX/XX/XXXX. DiTech is in violation of FDCP Act, Section 806, # 5 ( 5 ) Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number. ) ; Section 805, # 2 and 3 ( 2 ) to notify the consumer that the debt collector or creditor may invoke specified remedies which are ordinarily invoked by such debt collector or creditor ; or ( 3 ) where applicable, to notify the consumer that the debt collector or creditor intends to invoke a specified remedy. ; and has physically delivered a notice to call them on our property not through U.S. mail or any other delivery service.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-11
Company: ERC
State: UT
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
ERC ( Enhanced Recovery Company ) has sent me 2 notices with 2 different reference numbers claiming I owe a debt from over 3 years ago to XXXX. I sent them a letter disputing the validity of the debt XXXX XXXX, 2016 but received another notice XXXX XXXX. They did not send any verification of this debt with the new notice and are threatening to report me to national credit bureaus. This is a fraudulent claim. I do not have access to the first notice because I just moved, but I have attached the 2nd one.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-23
Company: BSI Financial Holdings, Inc.
State: CO
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
A final payment to close my mortgage was made to XXXX  XXXX XXXX ( XXXX ) on XX/XX/XXXX after selling the property. After that date I have kept receiving notices for monthly mortgage payments from BSI Financial Services ( BSI ). 

I received the payoff amount from ( XXXX ) when attempting to pay off the mortgage and was told that amount would be good until XX/XX/XXXX. They then sold the loan to another company, ( BSI ) in the middle of all of this. XXXX sent the payment to BSI. BSI states the payoff department applied the amount to the principal but not toward paying off the loan. This makes no sense because the payment was for the entire outstanding amount of the loan and the bills they are sending are for the standard mortgage payment amount. 

I began calling BSI the second week of XX/XX/XXXX. Every call gets the same response : They will submit a request to the payoff department and call me back but they never do. I have requested a supervisor or manager be involved multiple times as well. They always say one will call me, but they never do. 

I have asked the title company ( XXXX XXXX XXXX ) for assistance in this matter as well. The title company sent a copy of the payoff to XXXX on XX/XX/XXXX after they were told they would honor the payoff once receiving documentation. A copy of this documentation that was sent by the title company is attached. BSI now states they did not receive the documentation from the title company, and still has not returned any calls after promising further investigation.

BSI Financial Service XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXXXXXX XXXX XXXX, PA XXXX XXXX XXXX ( Fax )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-20
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX & XXXX XXXX XXXX and XXXX XXXX XXXXXXXX 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-25
Company: Stenger & Stenger, P.C
State: GA
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
I purchased a vehicle on XX/XX/XXXX from XXXX -- loan was through XXXX XXXX XXXX, XXXX. XXXX XXXX, XXXX XXXX, TX XXXX. It has been assigned to XXXX XXXX XXXX, as assignee for XXXX. I defaulted on the loan due to unemployment and I was unable to make payments. The vehicle was repossessed in XXXX/XXXX  XXXX. I was not notified of sale in an attempt to recover vehicle. However, there is a document in the case material that I never received. I was under the impression that since I no longer had the vehicle, my debt was dismissed. On XX/XX/XXXX I was served by the Sheriffs office with a Complaint dated XX/XX/XXXX for the " deficiency amount '' of the vehicle. My court date was set for XX/XX/XXXX of which I attended. On that date in the Magistrate 's Court of the issuing County, a " Voluntary Dismissal '' by the company was entered. I thought this matter was closed. However, unbeknownst to me my employer had received communication on XX/XX/XXXX, under the direction of Stenger & Stenger P.C., XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, MI XXXX to garnish my pay. This is the same debt that was dismissed on XX/XX/XXXX. What I find interesting is there are 2 Civil Action # s for the same case, entered by Stenger & Stenger. The latter one is the one which was dismissed. Please note, the documentation is exactly the same ; same dates, same signatures, etc. How can they do this without my knowledge. My employer forwarded a copy of the Civil Action from a neighboring county of which I do not ive. I find this practice to be fraudulent and misleading. THIS GARNISHMENT HAS PRODUCED A MAJOR HARDSHIP FOR MY FAMILY, I AM UNABLE TO PAY MY RENT DUE TO MONIES BEING DEDUCTED FROM MY PAY ERRONEOUSLY without notification, I received documentation from Stenger & Stenger via my employer on the evening of XX/XX/XXXX with an enclosed Summons of Continuing Garnishment dated XX/XX/XXXX. I was not given the opportunity to defend myself again, my pay was just garnisedh without my knowledge. This is not

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-14
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Identity theft XXXX XXXX XXXX XXXX Amount XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : Validate Account US DEPT ED Account Number : XXXX Please remove it from my credit report. Under 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies- ( 3 ) you failed to notate this account was in dispute within 30 days now this account in violation XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

Validate Account XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 

Validate Account XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 

Validate Account XXXX XXXX Account XXXX : XXXX Please remove it 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 non-monetary relief
Consumer complaint received 2022-06-20
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act XXXX Account # XXXX Reference # 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 account without my written instruction.

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 2022-06-20
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act XXXX Account # XXXX Reference # XXXX ( XXXXXXXX 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 account without my written instruction.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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 letters to the TransUnion Credit Bureau. The date of the last letter was on XX/XX/XXXX And now we are in the month of XX/XX/XXXX and still nothing has been heard from them. That means TransUnion has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY 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 non-monetary relief
Consumer complaint received 2020-01-16
Company: TD BANK US HOLDING COMPANY
State: DE
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I bought furniture worth about 5K at XXXX and XXXX on 0 % APR, they went through TD bank and as I found out later, it was a credit card. 
I set up auto pay for these payments using TD bank online web portal in late XX/XX/XXXXor early XX/XX/2019 ( I am unclear about exact date ) to be paid directly from my XXXX  XXXX XXXX Checking account. 
In XXXX I was contacted by TD bank stating that my XX/XX/XXXX payment was now 30-59 days late as auto pay does not get into effect until next month etc. 
I have since then paid off the full amount and have XX/XX/XXXXbalance. 
The late payment was reported to credit bureau and resulted in a XXXX point decrease in my credit score. 
It continues to be there and has had detrimental effect on the score. 
I feel that the following practices on the banks behalf contributed to this delay - delay in processing of payments. I had authorized payment to be made much before any due date yet it did not get processed. 
- Once the initial payment was missed I was not informed of this until 59 days later and at which point I immediately paid the account to bring it upto date. Earlier contact would have prevented this delay.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-02
Company: Genesis Lending
State: TX
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
Gensis loans have stopped sanding letter of what I still own them. so me assuming I was n't getting a bill from them that I was done paying them. I was going to XXXX college here in XXXX TX. well it was called XXXX instituted and they closed them all down for what I know. so I was told by them that I did n't have to pay no more student loans because there was no account to send money. so I need to know what should I do since I think its unfair for me to pay for a loan that I though was payed for already.

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