BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-06-08
Company: Blackhawk Network Holdings Inc.
State: OR
Product: Prepaid card
Sub-product: General purpose card
Issue: Managing, opening, or closing account

Complaint:
I purchased a {$500.00} load it pack for my paypower pre paid credit card on XXXX XXXX. With no prior notice to their customers they added a new level of security to their process called " safe ''. 
The program was not ready to be implemented with all of the issues they were having accessing the safe program. I purchased this card to pay XXXX bills that were due immediately so I closed my account with paypower and asked for a refund check for my {$500.00} reload it pack and still have not received my refund check as of XXXX XXXX, XXXX each time I call and speak with XXXX she assures me the check is on the way and the date comes and goes with no check. I feel I have been scammed by this company and just get lied to repeatedly. XXXX months is not acceptable time for a refund.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-03-25
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
we are in the middle of a worldwide pandemic and capital one has FAILED for WEEKS To answer the phone. They dont have an email or secured site where you can submit a call back request or an extension for those of us that are impacted. DAYS we have been holding. NO ANSWER, It appears that they have hired pr to talk about how well they are handling this situation yet NO ONE has been able to get through. My payment is due in 2 days. I would like to schedule an arrangement

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-23
Company: EQUIFAX, INC.
State: IN
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 have sent numerous dispute letters to all three credit reporting agency and never received a response or documentation stating these items belong to me, on XX/XX/23 i mailed my dispute letter, on XX/XX/23 i sent my XXXX letter with no response, on XX/XX/23 i submitted a complaint, on XX/XX/23 i submitted another dispute with my FTC report and never received a response, i been addressing this issue several times with the credit reporting agency with no results.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-10
Company: HUNTINGTON NATIONAL BANK, THE
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:
My name is XXXX XXXX I am filling a complaint against Huntington National Bank. This is a huge violation of UDAAP. My husband XXXX XXXX passed on XX/XX/XXXX and I reached out to LITIGATION DEPARTMENT letting the know he passed around week after his death. 
XXXX and XXXX XXXX told me that they need a copy of his death certificate I advise once I receive I will forward them a copy. Account was current. and never late check the payment history. Ive asked XXXX XXXX can I assume the loan and he said yes and to keep the account current. He told me by assuming the loan this will not report to my credit because it never went through loan originations. Now its XX/XX/XXXX I emailed XXXX XXXX to advise that I was still waiting on the death certificate with NO RESPONSE from XXXX. The communication never stopped from me. The account was never late!!!!!!! XXXX called me on XXXX XXXX and said he need something showing hes deceased and I provided XXXX XXXX with documentation from morgue, copy of obituary, statement of death from the funeral home and he said those documents were ACCEPTABLE to confirm hes death. Now its early XXXX and I received a call from XXXX in Litigation and he said the account was charged off XX/XX/XXXX. I told him that the account CANT be charged off due to my communication with them and I provided documentation to XXXX showing my husband was deceased. XXXX called me back the same day in XXXX to say that he messed up and didnt put the account into a SPECIAL QUEUE TO HOLD THE ACCOUNT. XXXX XXXX said he was to having a meeting with his manager because he messed up. XXXX nor his manager removed the charge off account status from the account. So now since I assumed the loan they are reporting to the 3 credit bureaus I have a charge off which is incorrect. The error relies on XXXX XXXX at Huntington for not following his policy & procedures nor the workflows now because of XXXX error I have this issue. I have excellent credit and I need this removed from my credit asap. I need a corrective action letter from HUNTINGTON NATIONAL BANK to show that the charge off reporting has been corrected emailed and XXXX to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-25
Company: EQUIFAX, INC.
State: WI
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 am filing this complaint because XXXX has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. They have ignored repeated requests to verify this account under Section 611 ( 5 ) ( A ) of the FCRA - they are required to promptly delete all information which can not be verified that I have disputed. Please resolve this matter as soon as possible. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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 information incorrect

Complaint:
This is my 3rd time trying to fix the errors of this alleged account. I wrote two letters both XXXX and XXXX of XXXX, but yet inaccuracies still remain. I have attached a photo proof below of the inconsistencies and inaccuracies that have been continuously verified. The date of last activity in different across all three bureaus XXXX  shows XX/XX/XXXX, XXXX  shows XX/XX/XXXX and Transunion has XX/XX/XXXX. Please tell me how this information was verified by the same creditor but still report inconsistently across three bureaus? I have a right to an accurate credit report please delete this unverified inaccurate account immediately. 


Account Name : XXXX Account # : 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 2020-04-01
Company: The CBE Group, Inc.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This is not my account and I did not authorize services at this address at the time. XXXX XXXX reached out to me somehow with this information. I went to file the police report in the statement below. I went to the police station and they advised me to not fill out a fraud affidavit since it seems like the company is trying to pin this on someone, when the matter should be between the landlord and the company. XXXX XXXX did not see that services were on and unpaid for 3 years. I attempted send the statement below to XXXX XXXX with complaint # XXXX on XX/XX/XXXX of this year. It was sent back as invalid or not reachable to XXXX  XXXX. Here is what I sent : XXXX XXXX Account # XXXX Police Report # XXXX XXXX XXXX  XX/XX/XXXX I used to have services connected with XXXX XXXX XXXX for XXXX XXXX XXXX XXXX XXXX & XXXX XXXX XXXX XXXX, XXXX  XXXX from dates XXXX. My previous boyfriend, Mr XXXX is the actual lease holder of each address and I am a lease holder at XXXX XXXX XXXX XXXX XXXX handles my current XXXX XXXX bill. I received an alert from XXXX XXXX that I owe {$1700.00} and that my services were shut off around mid XX/XX/XXXX. I was contacted by XXXX 's XXXX once I called them to get a copy of my current bill ( handled by my landlord ) in XX/XX/XXXX. I was told my services were disconnected in XX/XX/XXXX. I have been in a different address since XX/XX/XXXX. According to XXXX XXXX XXXX, in order to connect services the address would need to be recorded as XXXX XXXX XXXX XXXX instead of the recorded address of XXXX XXXX XXXX. The Landlord at the address notified the resident of this. I had this utility in my name since being in a relationship with Mr XXXX to assist him in keeping his public housing voucher. I am no longer involved with the resident, even as a friend. From what I remember, the resident was in the hospital getting treatment for XXXX XXXX   around XX/XX/XXXX and was released XX/XX/XXXX. I lost contact with him mid year and he notified me that he returned home and his belongings were no longer there. XXXX XXXX XXXX was connected there from XX/XX/XXXX-XX/XX/XXXX before it was disconnected. 3 years is a long time to have services with no payment and disconnection. I was not aware of the bill being in my name because my property management company handles my gas bill. I moved into my XXXX location starting a new lease on XX/XX/XXXX. This issue may need to be taken up with the landlord and I should have been contacted sooner to handle this matter. Instead, the bill has festered and the balanced was gradually increasing. I disconnected services in XX/XX/XXXX. I just spoke with the company today to get info on where to fax documents and they stated that a credit representative was not able to reach me at the address on file and I should be receiving a call from them later. 

Please contact me with any other questions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-02
Company: Experian Information Solutions Inc.
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: Information belongs to someone else

Complaint:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the Experian and XXXX credit bureaus to validate this account ( A ). This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and delete : XXXXXXXX XXXX XXXXXXXX Date Opened : XX/XX/2007 Balance : {$0.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-02-03
Company: CITIBANK, N.A.
State: MD
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
At the time I purchased the Condo my old last name was XXXX ( I am now married thus my last name is now XXXX ) I purchased a Condo and it is being financed by Citi Mortgage. For many years I was able to maintain on time payments for the Condo as well as the HOA fees. Years afterwards I found myself in a financial hardship due to family issues, I hurt my back and had to miss work and a change of job which had a lower salary. I notified CitiMortgage for a loan modification. After many years and an excessively amount of paperwork they lowered my loan less than a XXXX This was gave me no more relief because I was no longer making the money I had presently been making. So after a year I submitted for another Loan modification, but to no avail. So after much consideration I decided to put it in for a Short Sale. I contacted a XXXX representative named XXXX XXXX and her firm along with XXXX XXXX attempted several times to show and get a buyer for the Condo. At least 3 times we had contracts in and after Citi Mortgage continued to drag there feet and prolong the process each one of the buyers backed out of the contracts. After discussing our other option with our Realtor she informed us that we should contact Citi Mortgage and attempt to get the necessary paperwork to try to do a Deed in Lieu. After many failed attempts to resolve getting rid of the Condo because we can no longer afford this property we are reaching out to you with hopes you can get in contact with them and get us the necessary relief and paperwork to start the process of the Deed in XXXX. Thank you in advance for all your assistance in this extremely urgent and important matter. Also financially we are also now taking care of our XXXX grandkids so we just can not afford the Condo and are trying to save face and just get rid of the Condo respectfully. We do not want to go through a foreclosure so after discussing our legal options we feel this would be best for both parties involved.

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 2022-09-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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:
This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I am very distressed that you have STILL included the below information in my credit profile which is creating damaging effects on my good credit standing. No doubt the inclusion of this inaccurate information is a mistake on your part. The other credit reporting agencies found inaccuracies with information listed and removed or updated without incident. You however, seem to claim you've verified the accuracy of the information. I'm very confused. Can you please let me know how you verified this information? What methods you used, who you talked with at the company, what day and time you talked to this person? All this information is need for a case I'm building against all parties who are damaging my credit. 

XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance XXXX XXXXXXXXLate/Open Late Date 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 2017-12-17
Company: LoanCare, LLC
State: OR
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
XXXX XXXX XXXX is charging an additional {$10.00} to make a mortgage payment online and if you pay by phone they also charge {$10.00} to make a payment. There is no longer a way to pay your bill without being charged additional funds to pay your mortgage. 

There website also often does n't work making it difficult to pay your bill in general

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-25
Company: I.C. System, Inc.
State: MA
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 contacted the creditor/company many times, but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.

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 2017-01-13
Company: Convergent Resources, Inc.
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
my purse was stolen and i made a police report. since then there has been a couple of cell phone accounts made in my name. collection company after collection continue to buy this old debt and try to collect from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-29
Company: EQUIFAX, INC.
State: AR
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:
All three major credit bureaus have illegally hoarded my person information without this my expressed written consent. Pursuant to the 1974 Privacy Act all 3 credit bureaus violated all privacy rights and allowed my personal information to be leaked due to their and false misleading ways. According to the Fair Debt Collection Practices Act all three credit bureaus maliciously and collectively shared my personal information to make trillions of dollars by selling it to various debt collectors, employers, financial institutions, and a host of others. All relations with these 3 credit bureaus are now in question for reporting fraudulent information to disgrace me. I would also like thank the CFPB for protecting her/his Personal, Family, and Household.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-05
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
This XXXX  XXXX closed account ( last four XXXX ) is showing 10 years and 3 months old and should have been removed from credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-23
Company: ID Analytics, Inc.
State: IN
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 applied for a XXXX XXXX credit card through XXXX XXXX XXXX   and I was denied from SageStream LLC saying my credit score was 300 points lower than the actual score. They said they have their own system and its always 200-400 off. This is a scam for them to get my personal information and I'm extremely upset! I do not have a low credit score and they should be shut down for falsifying my information. This is wrong!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-25
Company: Experian Information Solutions 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:
The accounts listed are fraudulent accounts that are listed on my credit reports, I have no knowledge of the said accounts and nobody contacted me in regards to the said accounts prior to listing them on my credit reports. Someone assumed my identity and that is how these accounts were listed on my credit reports. These accounts are in direct violation of the Fair Debt Practices Act meant to protect the consumer per section 605B, all of the listed accounts and inquiries should be blocked and or removed from my credit reports within 4 business days of receiving this documentation. I sincerely appreciate your swift response to this very important matter as I attempt to put my financial life back together. 
EXPERIAN : XXXX XXXX XXXX XXXX # XXXX {$510.00} XXXX XXXX XXXX XXXX # XXXX {$12000.00} XXXX  # XXXX {$1400.00} XXXX/DEPT OF ED # XXXX {$1000.00} XXXX  # XXXX {$4200.00} XXXX XXXX  # XXXX {$9400.00} XXXX/XXXX # XXXX {$6900.00} US DEPT OF EDXXXX # XXXX {$1000.00} XXXX XXXX # XXXX {$500.00} XXXX XXXX XXXX # XXXX {$700.00} XXXX  : XXXX XXXX XXXX  XXXX # XXXX {$510.00} XXXX XXXX XXXX XXXX # XXXX {$12000.00} XXXX XXXX XXXX # XXXX {$1400.00} XXXX/DEPT OF ED # XXXX {$1000.00} XXXX XXXX XXXX # XXXX {$4200.00} XXXX CARD # XXXX {$9400.00} XXXX/XXXX  # XXXX {$6900.00} US DEPT OF EDUCATIO # XXXX {$1000.00} US DEPT OF ECUATIO # XXXX {$1000.00} XXXX XXXX # XXXX {$500.00} XXXX XXXX XXXX # XXXX {$700.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-01
Company: R & B Corporation of Virginia
State: VA
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:
XXXX XXXX agrees there should be no balance on my account. I have contacted them three times as of today to have this removed with Credit Control Corporation ( XXXX XXXX VA ) collections agency. They " elevated '' this matter with a XXXX request #. I had earlier disputed this matter with Credit Control Corporation who is reporting this as seriously delinquent and said it is correct collections account on their response to the credit agencies. I called and spoke with XXXX at Credit Control Corporation today who refused to take my information -- thus, they will still reporting my account as " seriously '' delinquent - when in reality according to XXXX at XXXX this should have been removed some time ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-10
Company: Experian Information Solutions Inc.
State: AP
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:
Hello, I am an active duty military member who currently serve overseas. I would like to know if someone could please assist me with this matter. Thank you. 

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX Account # XXXX has violated my rights. 

15 U.S.C 1681 Section 602 A. States I have a right to privacy.

15 U.S.C 1681 Section 602 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

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 2022-09-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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 bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX account # starting with XXXX, XXXX XXXX XXXX Account # starting with XXXX, Has violated my rights. 

15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A. Section 2 : it also States a consumer Reporting agency can not furnish an account without my written consent or instructions.

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