BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-02
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here are the list of items which do not belong to me or were opened without my permission : 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

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: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.

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 2022-09-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.

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 2017-04-10
Company: Blackhawk Network Holdings Inc.
State: TX
Product: Prepaid card
Sub-product: Gift or merchant card
Issue: Fraud or scam

Complaint:
I bought several XXXX value visa cards in XXXX on XX/XX/XXXX. I found that XXXX cards were not able to use on XX/XX/XXXX and contacted the customer service ( XXXX ) XXXX on back of my prepaid cards immediately. They said something went wrong on their side so they would refund me via a check. I sent in all information they need : back and front of the cards, my driver license etc. However, the refund case XXXX has been investigated until now and no resolution has been made. And they could not even provide a time-frame of the refund since customer service said other second level department is investigating and has no response. I feel very dissatisfied that my XXXX refund needs such a long time to be delivered, and even do not know when I can get the check.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-04-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ID
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:
Recently I paid off a credit balance that is listed on my credit report ( I didn't close the account, just paid it off ). This had the effect of lowering my credit utilization which is supposedly a good thing. However, as a result of doing this, both Trans Union and XXXX  report the account is paid, but as a result, they both lowered my credit score. I've tried to contact both agencies with little success. I was able to file an online dispute with XXXX, which they have acknowledged but not responded to as of yet. However, I have been unable to do the same with Trans Union. Their web site for initiating a dispute doesn't work, and if you call them, you just sit on hold forever - so far 6 hours in my case. Hence I would like to file a complaint about Trans Union at least.

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: Experian Information Solutions Inc.
State: UT
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:
Recently I have noticed some incorrect information on my credit report. I have reached out to Experian, XXXX, and XXXX for more information but sadly have not received any response at all. It has been more than 45 days since I originally wrote them.

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 2017-09-08
Company: EQUIFAX, INC.
State: MA
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:
Equifax leaked my sensitive personal information to hackers by utilizing subpar security.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-26
Company: Santander Consumer USA Holdings Inc.
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
Two and a half years ago I took out a car loan with Santander Consumer, where a year ago I was diagnosed with XXXX XXXX XXXX XXXX XXXX XXXX where I was let go from my job of 6 1/2 yr as I was told by employer that we are no longer on the same path. I reached out to Santander with no prevail to allow me to change my payment amount. They refused. I utilized XXXX ( XXXX XXXX XXXX XXXX ) and XXXX XXXX ( XXXX XXXX XXXX ) to help me with bills. Upon going over my financials as needed when you apply for help through organizations it was noticed that although I have been paying Santander over {$340.00} monthly my loan amount is not budging but a fraction, and in addition the late fee 's that were being charged were double the amount of the car payment itself. Shortly after they repossessed my car as they would not work with me. I received outside aid to get my car back and having to pay quite a bit of money. Just last month they showed up in the middle of the night, never reached out to me, they simply repossessed the car again for 2 late payments, as they would not work with me. This time I did not make any attempt to get the vehicle back as I have now learned that this company is worse than a " loan shark '' - they take HIGH payments each month where your loan does not go down, charging more than double the amount of the monthly payment as a late fee, not willing to work with their clients, and in ending, after my car was repossessed they sent immediately to auction, sold it, and are still charging me along with late fee 's for the original amount of the loan and reporting it to Credit Reporting agencies, so they are now wanting to get paid monthly on a vehicle that I no longer have in my possession which has been sold at auction where they pocketed that money. Also note that they have locked my online account so I can not get into it to see what they are charging now or to provide to you my account number. I honestly feel as though this company needs to be investigated. In addition fine the following where I have now found that I am not alone as the following is over 1,095 complaints on the following site as well not counting others XXXX XXXX XXXX XXXX  I have requested an inquiry by my Congressional Representative as well. I can be reached at XXXX, I do plan on taking this to media. Thank you for your prompt attention.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-08-26
Company: Experian Information Solutions Inc.
State: DC
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:
An account listed on my Experian credit report is not mine. I have tried using Experian 's online dispute process, but an error message appears. Furthermore, the toll-free number provided does not allow me to speak with an individual to explain the error. I would like the fraudulent account removed from my credit report immediately. I would also like to see Experian fix their online dispute process so that it is possible to submit a dispute online. Furthermore, it would be great if Experian did not so aggressively try to upsell to paid products. Right now it is difficult to find information about submitting a dispute because it is buried within their website and overshadowed by appeals to pay Experian for extra services. Experian should honor their obligation to the public to regulators by making it easy and free to correct inaccurate information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-29
Company: WELLS FARGO & COMPANY
State: VA
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 balance transfer

Complaint:
Hello there! My name is XXXX XXXX and Ive been a Wells Fargo customer since the company acquired my first bank, Wachovia. I was hoping you could help me with an issue regarding a recent balance transfer I initiated towards my Wells Fargo credit card. 

This particular balance transfer was placed on XX/XX/XXXX from my XXXX account ( account # XXXX XXXX XXXX XXXX ) for {$4000.00} towards my Wells Fargo credit card balance ( account # XXXX XXXX XXXX XXXX ). This balance transfer has yet to be applied to my Wells Fargo account balance according to my XXXX and XXXX statements, however the funds are represented on my XXXX statement since early XXXX. 

I contacted XXXX three weeks ago and they ensured me an investigation which they've yet to update me on. Wells Fargo seems to be dragging their feet as well. I have sent personal letters to each bank asking to investigate the issue. 

My social security number is # XXXX. I can be reached by phone at XXXX or by email at 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 2022-03-07
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
On XX/XX/ 2022, I sent the credit reporting agencies letters notifying them that they are in violation of 15 USC code 1681b ( f ) - reporting inquiries without my permission and 15 USC 1666 ( b ) - truth and lending act. I am in distress and this matter has affected me from getting access to different forms of credit which is I personally needed in my everyday living. I will be left no choice but to seek legal remedies shall this issue not be taken care of.

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 2022-03-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
On XX/XX/2022, I sent the credit reporting agencies letters notifying them that they are in violation of 15 USC code 1681b ( f ) - reporting inquiries without my permission and 15 USC 1666 ( b ) - truth and lending act. I am in distress and this matter has affected me from getting access to different forms of credit which is I personally needed in my everyday living. I will be left no choice but to seek legal remedies shall this issue not be taken care of.

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 2018-12-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Capital one credit card company is assuming they can charge me a annual fee. This fee is being charged after I already closed the account. I also have paid the complete balance + interest in full. Capital one states I didnt close the account soon enough. Although while I was in the process of closing this account. While on the phone with Capital one customer service team. It was explained to me at that time, that the annual fee would be dropped. And there would no longer be any type of balance on the account. Furthermore there would be no other payment expected or fees I would be financially responsible for moving forward. Again I made the full payment over the phone of {$43.00}, which was the full balance owed at that time. Again It was explained to me after contacting them on 2 separate occasions. That the annual fee was already removed. And to ignore the statements i had received in the mail. And please not to worry it was all taken care of. Again customer service said I no longer had an outstanding balance on the account. After which still receiving bills in the mail. As well as making several phone calls later explaining this to them. They now refuse to drop these charges and mounting late fees. I do not feel I should be responsible for a service. A service I fully explained to them I no longer wanted. And was closing at that time. And again told over the phone by their customer service agents 2 x. That there was no longer a balance on the account. I was a good standing customer with Capital one credit card for 11 years. I simply asked them - Why if this membership fee was explained to me, and I was aware of the terms as they now claim. Why then would i choose to to wait so long to close the account. Especially if I knew i had to pay the annual membership fee? Why would i have not just left the account open. And furthermore used the services i paid the membership fee for? Their customer service did not direct or provide me with the proper information. Furthermore i was never sent anything in the mail from them explaining such. I refuse to make payment for a service I cancelled on good terms to my understanding. And or pay on late fees for money i did not or do not rightfully owe

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-03-07
Company: Securus J Holdings, LLC
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
Starting XXXX to resolve missing misapplied payments. Failure to produce records and accurate documentation, a scam between XXXX and JPAY preventing completion of a legal obligation no return calls or assistance

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I went out in XXXX XXXX ( XXXX XXXX ), California on the night of Saturday, XX/XX/XXXX beginning around XXXX PDT and stayed out until approximately XXXX PDT when the area closed ( please note this means my night technically ended on Sunday, XX/XX/XXXX ). The last charge I made that night was at XX/XX/XXXX at XX/XX/XXXX for {$44.00} - but after leaving the bar I noticed my phone and wallet were missing from my pockets. My best guess is as the venue was crowded with many people close to each other that I was pick-pocketed. I walked home ( I live nearby ) and immediately messaged my friends. First thing the following morning ( still Sunday, XX/XX/XXXX ) I went to XXXX XXXX XXXX when they opened. I called my dad from the store phone to ask him to block my stolen cards, then I spoke with a customer representative to buy a new phone because I had received an alert that XXXX XXXX XXXX had been disabled ( screenshot attached ) - so I knew it was taken as they blocked me from finding it. Once I had my new phone I immediately called Bank of America to report everything and let them know of the fraudulent activity. We went through each transaction and I noted when the fraudulent transactions began - first with a {$500.00} cash withdrawal in XXXX XXXX and then another {$300.00} cash withdrawal in the same area. There were also internal transfers made - specifically the majority of my savings account was moved to my checking account. There was then a fraudulent charge made at XXXX 's for {$1000.00}. The customer rep at BOA noted this and opened two claims. Within a few days I was granted a temporary credit for one of the claims and {$1000.00} was stored into my account. ***Please note I also made a report with the XXXX XXXX Sheriff 's department and provided this information to BOA*** Today, Saturday, XX/XX/XXXX I  received an email from BOA that they will NOT be reimbursing me for my losses and they concluded the fraudulent charges " were not made in error '' as stated in the attached letters. Also stated is the temporary credit of {$1000.00} will be reversed from my account on Monday, XX/XX/XXXX. I immediately called to challenge this decision but I was informed the department is not open until Monday. 
Please let me know if there is any more information I can provide and I will gladly do so. Thank you for your help.

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 monetary relief
Consumer complaint received 2022-09-02
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I am submitting this CFPB complaint today to follow up the previous CFPB Complaint I previously submitted on XX/XX/XXXX. Under the Fair Credit Reporting Act section 605b, The Credit reporting agencies are required to remove any accounts and information that resulted due to identity theft. I have been sending dispute letters addressed to the Credit Bureaus but the Credit Bureaus have failed to respond to my letters let alone remove the disputed fraudulent items from my Credit Report. The most recent letter I sent was dated XX/XX/XXXX and I am still waiting for the Credit Bureaus to respond to my letters. By the provisions of the FCRA section 605b, I am requesting that the Credit Bureaus remove the disputed items completely from my Credit Report as soon as possible ; 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 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 XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-08-26
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: Their investigation did not fix an error on your report

Complaint:
In accordance with the NCAP ( National Consumer Assistance Plan ) which was implemented to comply with CFPB ( Consumer Financial Protection Bureau ) consent order ( In the Matter of : Equifax Inc. and XXXX XXXX XXXX XXXX ADMINISTRATIVE PROCEEDING File No. XXXX ) ; the minimum reporting requirements stipulate that data furnishers ( i.e., XXXX ) must report the following identifying information : Full name ( First Name, Middle Name or Middle Initial ( if available ), Last Name and Generation Code/ Suffix ), Address, Full Social Security Number, and Date of Birth ( mmddyyyy ) in association with a tax lien. If any of the above identifying information is missing in association with said tax lien it must be excluded from the consumers credit file. Equifax shall adhere to the new reporting standards outlined in the NCAP ( National Consumer Assistance Plan ) and remove tax lien case number XXXX from the consumers credit file effective immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-08-26
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: VA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I disputed with Credit Bureau for verification of Debt from Portfolio Recovery Associates and The recovery Associate Fail to validated the debt.
The Portfolio Recovery Associate  produced Documentation that were invalid and not sufficient to proof the debt belong to me.
I requsted the Portfolio Recovery Associate to immediately removed the collection from my credit report.

Company response to consumer: Closed with explanation