BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-19
Company: HW Holding, Inc
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have recieved information about an account which I do not agree. This account is reporting inaccurate information to the credit bureaus in which is total wrong. I was charged {$2800.00} from XXXX XXXX XXXX back in XXXX. I do not understand why this account is in collections with Hunter Warfield because I do not owe that amount. I feel that I am being charged for items out of my control. I have tried to reach out to the company to get information on why they are stating I owe this amount, but I have not received an itemized list or proof of why. 

I started disputed this account back in XX/XX/XXXX, for reporting inaccurate information on my credit report and I am getting computer generated information which does not provide proof of the original debt from the original creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-24
Company: Experian Information Solutions Inc.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-19
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:
Multiple accounts that are incorrect are reporting on my credit reports XXXX   XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-24
Company: Navient Solutions, LLC.
State: IL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I have been on an Income Based Repayment program for over 10 years with Navient. I recently received my annual certification to submit income to recalculate the loan amounts. I had submitted my certification and was told I no longer qualified even though my husband qualifies for the plan and our filing status on our tax return is XXXX XXXX XXXX. I had called on both XX/XX/XXXX and XX/XX/XXXX at XXXX AM for updates and was told I no longer qualified and that my husband had filed his forms out incorrectly and was hung up on when asking to speak to a supervisor. The annual submission is straightforward and I am certain they are not using my husbands loan values in making the calculation. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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 sent an identity theft report to Transunion on XX/XX/23 which they received on XX/XX/23 ( certified mail receipt ). The reported items include three credit cards and three hard inquiries which were fraudulently opened and are reporting on my account. I called on XX/XX/23 to follow up as the reported items had not been removed. My understanding is that per 15 USC 1681c-2 fraudulent items due to identity theft are to be removed from my report within 4 business days. These items are causing me to be unable to obtain credit and causing me personal harm and discrimination. I am attaching the letter as well as the IDTR that was sent to Transunion along with copy of items on report, drivers license, social security card and cover letter. 

I was told by the customer service person I spoke with that I had to have the credit card companies remove these items and that their investigation would take 30 days. When I questioned the code and why the other credit reporting agencies abide by the code and removed the items, he stated that transunion does things differently. Was told a supervisor would reach out to me within 3 business 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 explanation
Consumer complaint received 2023-12-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
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:
The account isnt mines. It is also hurting my credit report. I never opened these accounts. I was incarcerated at the time they were opened. I did not give anyone permission to use my information. I have supplied government documentation of dates incarcerated as well as a copy of my complaint. 


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 non-monetary relief
Consumer complaint received 2023-08-18
Company: Experian Information Solutions Inc.
State: MO
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 filed a couple of disputes with Experian that come back with the statement " verified as correct '', but those same disputes have agreed with me, and been deleted from my report. One of the disputes is 12 years old but because a new collector picked it up, it was deemed " verified as accurate ''. I provided proof that I was on XXXX at the time and was not even supposed to get a bill.

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 2023-08-18
Company: Experian Information Solutions 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2022-04-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: DE
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:
ON XX/XX/2022, BOA CLOSED ALL MY CREDIT CARD ACCOUNT WITHOUT ANY WARNING NOTICE AND FORFEITED MY XXXX POINTS.IT IS UNREASONABLE AND NOT FAIR AT ALL.

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 2022-06-24
Company: Block, Inc.
State: GA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
On XXXX 2022 my phone was lost and both my banking account and Cashapp were compromised. I filed all paperwork and was completely refunded all money from my XXXX XXXX account. I also reached out to Cashapp and out of 12 unauthorized transactions only 4 were returned to me. I spoke with several representatives and gave all information that was requested to dispute the unauthorized transactions for XXXX XXXX  on XX/XX/XXXX and XX/XX/XXXX. I have been trying to deal with them since XXXX 2022 when I was made aware of the unauthorized transactions. They have since closed the claim and refuse to return the reset of the unauthorized transactions. I have filed a report with the XXXX  they denied the claim. They will not address why they returned 4 of the 12 transactions. I have requested to speak with a manager several times and I have been denied. I feel like I'm reaching out and I'm wasting my time. I'm hoping to get some assistance because {$600.00} is a lot of money for someone to steal from you and you honestly get no assistance from Cashapp. My phone number is XXXX... My name is XXXX XXXX XXXX XXXX XXXX and my Cash tag is $ XXXX ... the address on my account is XXXX XXXX XXXX XXXX Georgia XXXX ..also the email with my Cashapp is XXXX these people will not speak to you and they will not give you assistance in getting your money back even after doing everything that they tell you that you must do. I'm completely lost and would appreciate any help or advice on getting my money returned to my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-26
Company: Experian Information Solutions Inc.
State: CT
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:
I started the dispute process with this company, as some inaccurate information is been report in my Credit profile. The Dispute process started on XX/XX/2021 with follow ups disputes and this company have not send me any mail or dispute results to my home address, I submitted my ID and proof of address so they can located me, their is not excuses of why i am been ignored on my requests, by law they have the obligation to look into this inaccuracies information. Please see attached and help to resolve this matter soon as possible..

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 2022-11-26
Company: CNG FINANCIAL CORPORATION
State: DE
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:
AXCSSFN/CNGO XXXX XXXX XXXX Account XXXX : XXXX Account Type : Installment Account Type - Detail : Unsecured loan Bureau Code : Individual Account Status : Derogatory Monthly Payment : {$0.00} Date Opened : Balance : {$0.00} No. of Months ( terms ) : 17 High Credit : {$2500.00} Credit Limit : {$0.00} Past Due : {$0.00} Payment Status : Collection/Chargeoff Last Reported : Comments : Purchased by a another lender. 
Unpaid balance reported as a loss by credit grantor. 
Sold to : XXXX XXXX XXXX, XXXX XXXX XXXX NEVER LATE, ACCOUNT WAS PAID AS AGREED. 
Date Last Active : Date of Last Payment : Two-Year payment history Month 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 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 XXXX XXXX XXXX XXXX XXXX XXXX this company has provided no proof but still reports incorrect in complete information on my report please remove trans and XXXX have removed this account due to incorrect information

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-27
Company: REGIONS FINANCIAL CORPORATION
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Regions Bank XXXX {$1300.00} Regions Bank XXXX {$5900.00} These accounts are reporting inaccurate and is a result of identity theft Ive reached out to regions and spoken with XXXX ( XXXX XXXX ( XXXX ) - fraud monitoring department she stated that there was no opened account and will request to have items blocked and removed from all reporting credit agencies Immediately.

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 2023-09-26
Company: Mr. Cooper Group Inc.
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage
Sub-issue: An existing modification, forbearance plan, short sale, or other loss mitigation relief

Complaint:
XXXX XXXX XXXX XXXX stated that I should to contact the bank regarding our house and mortgage this morning. I called what I thought was the bank/ right path- which XXXX XXXX  and attorney XXXX XXXX gave the court. 
These two men then walked out of the courtroom again without making any mortgage or child support payments, since XXXX, as we have been in divorce court for that long. Only the two men- XXXX XXXX and XXXX XXXX have benefitted from the float on the cash over 7 years that theyve withheld from two children, XXXX and XXXXXXXX XXXX XXXX 

XXXX XXXX defaulted on his mortgage in XXXX. 
At the dane time, I took out loans to pay the down payment on XXXX XXXX XXXX XXXX MA, XXXX, in XXXX, and the auction amount and other fees to save the house from foreclosure by XXXX XXXX Im on the title. 

Attorney XXXX XXXX in MA wrote that its hopeless and that he cant help us to fight the bank and that they will take our house and all of my payments. 

XXXX XXXX and the court in XXXX ordered XXXX XXXX to pay his debt and hes in contempt. 

I called right path today and was not able to get information in writing on how to save my only home. They asked me to sign the deed over to them and give them my house.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-31
Company: EQUIFAX, INC.
State: SC
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:
A month ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct or delete the following items : XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-01
Company: EQUIFAX, INC.
State: LA
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:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items. 
XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$610.00} ; XXXX XXXX Balance : {$490.00} XXXX XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$170.00} ; XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$780.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$170.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-31
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Months ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-19
Company: EQUIFAX, INC.
State: OK
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:
The consumer reporting agency Equifax has admitted to providing the wrong credit score to millions of consumers, including myself. Which affected my ability to obtain financing, and loans. Equifax has a responsibility to report fairly, and accurately which they did neither. They did not exercise their grave responsibility to report fairly, and accurately. And they also broke consumer law 15 usc 1681. I never gave written or verbal permission for equifax to furnish my consumer report to anyone.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-19
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 a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX XXXX breach and may have got into the hands of the wrong person.

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 2021-08-03
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report. To this day, over 30 days later, I have not received a response yet. I feel like Im being taken advantaged of and being ignored. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-24
Company: EQUIFAX, INC.
State: CT
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX  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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-19
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:
This garbage bank allowed thousands of cards to be compromised through their dinosauric computer systems. When customers try to complain, they are given the run around. I had a {$25.00} card drained by a hacker into their horrible computer system. Per their website I followed the instructions to dispute the card : XXXX XXXX XXXX XXXX " How do I submit a dispute? 
{ Option 2 } : Submitting a dispute by phone Call the number on the back of your card or the number listed on this website Listen to the prompts on the phone and select the option to dispute a transaction and select this option '' When I called, I had to call 3 times where I was hung up on and then finally the fourth call, I had to wait over an hour and was forced to talk to three different operators on that one call alone. None of which would take a dispute over the phone despite what their website said I could dispute over the phone.

This bank is a fraud. They know they compromised their customers secure data and then make it impossible to recover the stolen funds.

Company response to consumer: Closed with explanation