BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-07-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I'VE NOTICED THAT MY MOST RECENT CREDIT REPORT CONTAINS LATE PAYMENTS REPORTED ON THE ATTACHED ACCOUNTS. I'VE HAD FINANCIAL HARDSHIPS WHICH AFFECTED ME TO CONTINUE MAKING MY ON-TIME PAYMENTS TO THOSE ACCOUNT. I'VE MADE A MISTAKE IN FALLING BEHIND, BUT SINCE THEN I WAS ABLE TO IMPROVED MY RECORD ON MAKING ON-TIME PAYMENTS. PLEASE CONSIDER MAKING A GOODWILL ADJUSTMENT TO MY ACCOUNTS THAT'S LISTED.

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 2021-04-06
Company: M&T BANK CORPORATION
State: DE
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage

Complaint:
In XXXX, my husband and I had an M & T Bank XXXX XXXX XXXX # XXXX in the amount of {$25000.00} on our property located at XXXX XXXX XXXX XXXX, XXXX, PA XXXX. We satisfied that loan when we combined it with a first mortgage refinancing through the XXXX XXXX XXXX in XXXX. The property at XXXX XXXX XXXX XXXX is under contract to sell. Settlement is scheduled for XX/XX/XXXX. On XX/XX/XXXX, we learned that M & T bank neglected to file the proper documents with the XXXX XXXX XXXX XXXX  to remove the lien on the XXXX XXXX XXXX property. That negligence is costing us {$37000.00} at settlement. The abstract company is holding back 150 % of the original home equity loan. We have been told that M & T is researching our former loan and will try to remediate their error in XXXX or more days. We have spoken to the personnel in the bank and can not get clear answers about their process or timeline. We are very concerned that they may not pursue this issue with diligence since it is an old loan and at present no-one in their offices can find it in their computers. My husband and I acted in good faith by paying off the M & T loan, and now we are being financially disadvantaged because someone in their corporation failed to do the proper paperwork to remove our liability.

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 2022-10-29
Company: WELLS FARGO & COMPANY
State: WI
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
I am making two formal complaints against the Wells Fargo Installment Loans department 1. Inability to process my loan payoff 2. XXXX XXXX XXXX XXXX during the payoff processing Background : I winter in XXXX XXXX. XX/XX/2022 I was scheduled to fly to the XXXX for the winter season. XX/XX/2022, I went to XXXX XXXX XXXX XXXX and obtained a loan to pay my personal debts. XX/XX/2022. XXXX XXXX  cut a check to Wells Fargo for {$3700.00} to payoff and close my installment loan. It is now XX/XX/2022 and Wells Fargo has not been able to process the payoff due to their inability process ACH transactions. 

Note : I have filed a complaint directly with 'Wells Fargo XXXX XX/XX/2022 I have also filed a complaint with ADA .

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 2021-06-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
On the days of XX/XX/2021 XX/XX/2021 and again on XX/XX/2021. I wrote to this company XXXX XXXX XXXX, Transunion and XXXX  Requesting for an investigation into this item being reported unverified and inaccurate. it has been way past 30days and the 45 day grace period. I have not received an response from the following company in question XXXX XXXX XXXX and or Transunion or XXXX. In my previous requests. I have listed my reasons for disputing this item and I have attached the same information again. after reaching out to the company in question XXXX XXXX XXXX my mail was returned due to this companies in accurate 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 2023-10-03
Company: Spring Oaks Capital, LLC
State: MS
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Has an attorney verified the accuracy of this account? If not, I urge you to remove it from my credit report without delay, or else I will pursue legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-04
Company: EQUIFAX, INC.
State: OH
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:
I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time.

If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports.

Please investigate if every piece of information is correct. If not, please remove it from my credit report.

1. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX # XXXX, MI XXXX XXXX. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX 3. The following personal information is incorrect Account Number : EMPLOYER : XXXX 4. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX, MI XXXX 5. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX, AZ XXXX 6. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX, MI XXXX 7. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, IL XXXX 8. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2023 Delete this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-22
Company: HCFS Healthcare Financial Services of TeamHealth
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XX/XX/XXXX I have sent out certified letters disputing the errors on my credit report. 
asking for proof that I owe debt. and to show me the validity of debt.. 
XX/XX/XXXX they sent me letter saying i am aware they represent doctors that they confirm theres an outstanding balance with no further information like i requested. 
except a bill. 
XX/XX/XXXX I send a second letter Stating that is not enough that I have rights and i have given them over 30 days to remedy situation. Since they can not give proper validation to remove from my credit report. 
XX/XX/XXXX they send me same letter in response. That I am aware they represent doctors. and they have confirmed it is valid and i am aware the balance is outstanding. 
I have disbuted with credit bureas the credit bureas are not doing proper investigations I make phone call to the agency regarding this and ask to remove. 

XX/XX/XXXX they send me yet another letter same as the others. I am aware they represent doctors. the debts are outstanding ... ..they are also over 5 years old They were my fathers he passed away. I have also told the statutes of limitations are over please remove. there are many resons to remove from my credit report 1 not mine i have not lived in florida since XX/XX/XXXX 2. they will not send me proper validation or anything which i lsted in attached letters according to facta FDCPA Fair Credit Reporting Act Violation of Fair Debt Collection Practices 3. statutes of limitations are over. 

I tried calling the agency on bill they had no records and would not speak to me due to HIIPA laws

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 2023-10-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
This company has reported me to credit report agencies without the written and/or verbal consent of myself. This is a violation of : 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 in accordance with the Fair Debt Collection Practices Act. 

Debt collectors are not allowed to communicate with me under the 15 USC 1692C

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX Balance : {$10000.00} XXXX XX/XX/2022.

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 2021-06-12
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I have called 5/3 3 times over this issue, and spoken to 2 agents in their live chat and they still refuse to fix this. I closed my credit card which still has over {$7000.00} in debt on it about a month ago. The card ends in XXXX. When they closed it they make COMPLETELY inaccessible. Cant look at it at all on the app, and can only look at some things on the 53.com site. They make it so I literally cant see when theres knew interest charges, or late fees which Im horrified may happen because they make it IMPOSSIBLE to pay the monthly bill on. They tell me I can pay the bill by sending a check. I dont have any checks cause this isnt 1995 and so I wouldnt get the checks in the mail for the next month. They say I can pay at a branch. How archaic. ALL the branches are only open by appointment and I am across the country no where near a branch for a funeral and wont have acces to a branch for AT LEAST ANOTHER MONTH.

This is pathetic. WHY in gods name would you make it so I CAN NOT PAY YOU!

This is to 1 ) make you finally reopen the account apparently so I can give you money. You want money dont you? MAKE IT ACCESSIBLE 2 ) to prevent any late fees due to you inaccessibility and inept why of doing things Ive done credit cards with every major card in XXXX, XXXX, and XXXX XXXX. No one has ever stonewalled me from paying them like this

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-25
Company: Experian Information Solutions Inc.
State: CA
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'm disappointed by your claims & am rejecting on the basis that you lack any material fact to support your claim... Please DISPUTE THESE ACCOUNTS! Or I will be seeking a legal remedy from you. Frustration, distress, annoyance, and outright anger. These emotions stem from the painstakingly slow response and the repeated denial of my identity theft claim by your bureau. Let 's be clear ; this situation is nothing short of a nightmare. I've been grappling with unauthorized accounts and transactions, and the toll it has taken on my financial well-being and peace of mind is immeasurable. The emotional rollercoaster I've endured is beyond distressing. DEPT OF EDUCATIONXXXX XXXX, DEPT OF EDUCATIONXXXX XXXX XXXX DEPT OF EDUCATIONXXXX XXXX XXXX and DEPT OF EDUCATIONXXXX XXXX. Please remove these accounts ASAP.

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 2020-12-30
Company: CCS Financial Services, Inc.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Companies responsible : XXXX GA XXXX XXXX XXXX collection XXXX XXXX XXXX XXXX XXXX I have been told by my insurance that a EOB was sent regarding medical concerns from error in processing. When I originally was contacted I called and they advised to provide EOB as proof and disregard the attempts of debt collector. During this time period I had state insurance at the time and still presently do. I have email correspondence from XX/XX/XXXX, explaining that I have full coverage for my XXXX. However due to lack of proper care I XXXX XXXX  XXXX  in XX/XX/XXXX. 

They told me they mailed it out due to the stress and XXXX I requested another to assist with a resolution. I notice things on my credit report and tried to address it. When I requested it again due to Covid I was unable to obtain a copy for credit agencies. Now I have collection debt for being XXXX and having government insurance. I feel as though not only am I being harassed for a processing error. I am being humiliated for it, I XXXX XXXX XXXX and now my future is subject to this constant reminder. I just don't see why know one is responding nearly two years later going into XXXX and I am still forced to deal with this. Please take this seriously it was enough for me to go through it, to have this looming reminder is torture.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-08
Company: AMERICAN HONDA FINANCE CORP
State: PA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
I purchased a new Honda through honda financial services XXXX Account # XXXX XXXX and I set up recurring payments on their website for the XXXX  of every month. That was one of the earliest dates that was available. I checked my statement and I have two late fees because my payment was set up for the XXXX by Honda finance. The system did not provide any indication that my recurring payment would cause me to go late on my payments. I have a fico over XXXX and I have paid 2 payments above the minimum. I dont understand why they would allow me to set up recurring payments before my payment is due and not notify me that I would then be considered delinquent. This seems like unfair or deceptive behavior where consumers are harmed by not being properly informed when making payments.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2020-12-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
The accounts listed below are reporting inaccurately on my credit report and it is in violation of The Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. After further investigation, the account was paid in full and the charge off listing is reporting inaccurately. You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified or reported inaccurately. The law is noticeably clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately : XXXX XXXX XXXX XXXX XXXX  XXXX  XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX As you know, the Fair Credit Reporting Act requires you to follow reasonable procedures to assure maximum possible accuracy of the information on my credit report. Therefore, I am requesting you verify the items I am disputing at a higher standard than a computer generated inquiry, or third party database search. Please also notify the source who reported the item within 5 days after receiving this dispute, and obtain an affidavit sworn under penalty of perjury of verification directly from a person at that source

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 2023-10-02
Company: Block, Inc.
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
On XX/XX/XXXX  I sent {$570.00} through CashApp to a user $ XXXX who was posing as a car part dealer. After sending the money the person acted like he was at the shipping company and needed an additional {$200.00} for shipping. As soon as this happened, I realized the guy 's store front was a sham and that he was a scammer. I immediately asked him for my {$570.00} back " because I couldn't afford an additional {$200.00} for shipping '', ( but in reality, it was because I caught on to what was happening ). The person refused so I went on CashApp and reported the profile as a scam profile. In doing so the CashApp system automatically sends a refund request to the user I reported. 

This is where my problem with CashApp starts, after four times of contacting support they refused to look into the fraud issue basically stating that it was my fault for not sending money to a known or trusted individual. They just kept repeating that there is nothing they can do since the transaction has been completed and that I could try to request a refund from the individual. Thats right, on four separate occasions I got the very obviously scripted response of " ask the user for a refund '', three times after explaining that I had already requested it and the user who scammed me basically told me " good luck on getting your refund '', and once after waiting until the scammer actually refused my refund. 

They are trying to operate under a loophole that says if you knowingly sent money to someone then it's not an unauthorized transaction and refuse to investigate, oh unless you are a law-enforcement agency. 

Here 's my take on their current policies. 

1. If you are acting as a financial institution, you must offer some sort of consumer protections, otherwise you shouldn't have the right to handle my money.

2. You shouldn't require wasting already strained local law-enforcement resources to investigate a fraud committed on your platform that you enable by doing nothing about.

3. Being lied to, manipulated, or coerced, IS an unauthorized transaction, period, full stop, they both end in the same result, money stolen.

4. Like stated earlier, by willfully refusing to investigate fraud, scams, unauthorized transactions, or any other crime, you are enabling ; you are offering a platform for these criminals to engage in financial fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-08
Company: Experian Information Solutions Inc.
State: TX
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 only have one address XXXX XXXX XXXX XXXX XXXX Tx XXXX. 

All other addresses should be removed they do not belong to me and are causing issues with my credit, I am a victim of Identity theft. 
Please remove all incorrect information from my 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 explanation
Consumer complaint received 2023-09-25
Company: Experian Information Solutions Inc.
State: GA
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 accounts 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 : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXXXXXX ; XXXX **** Balance Owed : {$0.00} ; XXXX XX/XX/XXXX ; XXXX 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