BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-07
Company: Self Financial Inc.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Unexpected or other fees

Complaint:
On XX/XX/XXXX I was given the option to extend my credit line to {$1800.00} and then paid {$500.00} towards my bill. The next day on XX/XX/XXXX, I received an email with notice that my accounts ( credit card and credit builder prepay account ) are terminated due to multiple returned payments. Ive had 1 returned payment on XX/XX/XXXX for {$770.00} and made an instant payment the same day for {$1000.00}, paying the balance in full. I have never been late with a payment and had the card over a year, the credit builder account is the second one Ive had and Im only 3 months in. When I contacted the customer service on XX/XX/XXXX via chat I was told the same information, my accounts are terminated, and that my request has been escalated to their fraud team. I contacted customer service after finding their phone number on the internet today, XX/XX/XXXX, waited on hold for 18 minutes and was told the same information by a representative. I explained Ive never been late and thats reflected on my years worth of statements and was told again my request has been escalated. I asked to speak to the fraud team and was told I can speak to a supervisor. I waited another 20 minutes on hold until I was told the supervisor was out today. When I asked why my credit limit would be extended if Ive had multiple returned payments the representative began reading off transactions that, according to my own statements in front of me, did not exist. I said there must be a mistake in their data because I do not have those transactions and I asked to speak to anyone else who could help me- the representative began getting aggressive with me and continued reading off transactions and dates that did not exist. I asked to speak to anyone else and was told to wait on hold ( now totaling 01:09:11 minutes call ) until the call was disconnected at 01:15:54. I called back and had the same representative who gave me the same information as before and told me to wait for an email from their fraud department. I asked how long it would take for a response and she told me she couldnt give me an estimate. I asked for a queue number and she gave me a case number : XXXX. Until then, my accounts have been closed and I have a balance since my credit line was increased the day before closure my payment went into a void and this will severely damage my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 Sent my letter off on XX/XX/2022, I told the credit Bureaus to " investigate every piece of information '' on the accounts I have listed below. Also I have attached the letter I send out and here is the USPS Tracking # XXXX According to the FRCA The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained thought personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. 

They stated my account were verified but how is that possible if they did not a proper investigation according to the law. Also every piece of information on those accounts are still not reporting 100 % Accurate. And According to the FRCA 15 USC 1681 everything has to be 100 % Accurate. I have the credit report showing the inaccuracies. 

Account listed below : Account name : XXXX Account # XXXX Account name : XXXX Account # XXXX Account name : XXXX XXXX Account XXXX XXXX Account name : XXXX Account # XXXX Account name : XXXX XXXX XXXX Account # XXXX Account name : XXXX XXXX Account # XXXX Account name : XXXX XXXX Account # XXXX Account name : XXXX XXXX Account # XXXX Account name : XXXX Account # XXXX Account name : XXXX XXXX Account # XXXX Account name : XXXX 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 non-monetary relief
Consumer complaint received 2023-05-03
Company: Mr. Cooper Group Inc.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Hello! 

I had a homeowner 's insurance expiry on XX/XX/2023. Prior to this date I had found a less expensive provider. I instructed my insurance agent to submit, in writing, notice to the loan servicer that we would be changing companies. 

I also forwarded this notice to the loan servicer as well as having verbal phone contact with them to notify them of this change prior to XX/XX/XXXX. 

The payment was made by the servicer to the new insurer. The servicer, without explanation, also conducted a second duplicate payment to the previous insurer without authorization. 

I submitted a complaint to them regarding this the week after XX/XX/XXXX. I received a letter from the servicer in XXXX stating that they would be conducting an investigation of what had occurred. On XX/XX/XXXX I called the servicer again to request explanation and a conclusion of the investigation. I asked that they provide, at minimum, an expected deadline and conclusion to their investigation. 

I have not heard from them since the XXXX letter in regards to this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 reviewed my Consumer Reports and noticed that I had eleven late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX : Account Number XXXX dates erroneously reported - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. Thanks,

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 2023-11-01
Company: EQUIFAX, INC.
State: IL
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:
Reference Number : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX for your prompt response to my concerns. I appreciate your willingness to address the matter and your request for additional information. In my complaint I have provided all necessary and lawful information required to dispute this account. Given the nature of data furnishing, it is your fiduciary responsibility to ensure the completeness and accuracy of the reported information. This obligation is also in accordance with the Fair Credit Reporting Act. Considering the inability to verify the information in question per your response stating I am unable to confirm your information at this time, it would be in violation of the law to continue reporting this data. The Fair Credit Reporting Act specifically addresses the verification and reporting of data, and in light of your acknowledgment of this issue, I urge you to promptly remove this information from all credit reporting agencies, including credit bureaus and any data reporters. '' As previously stated, the Fair Credit Reporting Act ( FCRA ) clearly outlines the necessity for accuracy and fairness in credit reporting. It is imperative that the information provided to the credit reporting agencies complies as indicated in 15 USC 1681b ( a ) ( 2 ). 



The accounts mentioned in my previous correspondence, specifically the XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX, were included on my credit report without my written authorization, and per your admission, is unable to be validated constituting a violation of the FCRA. Given this information, I urge you to take immediate action to rectify this error and remove these inaccuracies from all credit reporting agencies and bureaus. 



I trust that your office will handle this matter with the necessary diligence and compliance with the laws outlined in the Fair Credit Reporting Act. Please provide me with written confirmation once the necessary steps have been taken to rectify this situation. 



I look forward to your prompt resolution of this matter. 



Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-03
Company: Block, Inc.
State: WI
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
XX/XX/XXXX I reached out to cash app to get a problem resolved with an account I don't have access to. Today is XX/XX/2023 and I have yet to receive reimbursement, let alone help accessing my previous cash app account to receive the {$65.00}. I've called cash app 7 times in 2days and reached out through the app to recieve help as well and No one has answers nor problem solving techniques when it comes to this issue.They all tell me the same thing It's nothing that they can do even though I have money in my account and my social security number is connected to it. They won't even refund the money to the people who transferred the money. They were told to have me reach out to get help with accessing the account but no one is willing to help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-03
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: Their investigation did not fix an error on your report

Complaint:
By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the listed account which I believe appears to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX XXXX : {$310.00}.

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 2023-02-03
Company: EQUIFAX, INC.
State: IL
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:
XXXX XXXX are intentionally and irresponsibly reporting wrong information to my consumer report. Which is a clear violation of the law. The law states that I am entitled to an accurate report, in which XXXX XXXX is in violation of 15 USC 1681e ( b ). 

I reached out to XXXX XXXX on or around XX/XX/XXXX, to ask why they were reporting late payments after my insurance company and I, had made them aware that the vehicle was declared a total loss on or around XX/XX/XXXX. I express to them that they were intentionally trying to harm my name with the consumer reporting agencies and requested that the late payments be removed. XXXX XXXX removed the late payments and payment history from my consumer report and charged the account off on or around XX/XX/XXXX. 

Also, XXXX XXXX received a {$44.00}, XXXX payment on XX/XX/XXXX from my insurance company. However, on XX/XX/XXXX XXXX XXXX charged my account off as bad debt in the amount of {$61000.00} as reported to the consumer reporting agencies. Vehicle was declared a total lost on or around XX/XX/XXXX. 

I am demanding that XXXX XXXX update the Account Status, Payment History, Past due amount and Balance of this account as follows : Account Status : Paying as agreed. 
Payment History : On Time from XX/XX/XXXX to Present Past Due Amount : {$0.00} Balance : {$17000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-12
Company: REGIONS FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Delay in processing application

Complaint:
I opened a Regions checking account with the inducement of a {$500.00} bonus. I have met all of the conditions of receiving that bonus and have yet to receive it. 

At the time the account was opened, I was sold a " pre-approved '' credit card by Regions. However, I was not told on that day or for most of the following week how much I was " pre-approved '' or approved for. 

Ultimately, I was approved for a small fraction of the amount that other lenders have approved me for. Had I known this ; I would never have allowed a hard credit inquiry on my report nor would I have accepted Regions " pre-approved '' credit card offer. 

On top of that, it took over four weeks to finally receive the credit card. 

Shortly after that, I spotted numerous unauthorized transactions on the account. I contacted the merchant and was advised to contact Regions. After wasting an hour on a chat with a Regions representative, largely because she could not verify my address due to her lack of understanding the XXXX XXXX XXXX in Regions system is an abbreviation for the word XXXX XXXX, '' a dispute was finally entered. 

However, I was not asked for any of the written communication sent to and received from the merchant. Nor was I provided with any written communication from Regions. 

Worse, yet, Regions has refused to provide provisional credits for the unauthorized amounts charged and in today 's chat I asked a different Regions representative if I was expected to pay for these unauthorized charges and her response was " Correct. Of course, this is wholly unacceptable. 

Outside of meeting with a charming teller at Regions when I opened my checking account, dealing with Regions has been a nightmare. 

Not only do I have no faith in receiving a replacement card in a timely manner as the original card took a month to arrive, I have no faith that my credit card will be credited for the unauthorized transactions or that my checking bonus will be credited to my account in a timely fashion.

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 2022-10-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
UNAUTHORIZED CREDIT INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2023-05-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
I am writing this letter in response to claim number XXXX associated with credit card # XXXX. 

Upon receiving the decision letter on XXXX XXXX, XXXX, along with the information, the merchant provided claim # XXXX. I am providing you with some information to prove that the total amount of {$7200.00} is unauthorized and associated with identity theft. 

My wallet was stolen on XX/XX/XXXX. I first noticed it when I returned to work from lunch in XXXX XXXX and received text messages from BOA indicating two transactions from XXXX ( {$3600.00} each ). And I wanted to call BOA 's number on the back of the credit card, but I then found out my wallet had been stolen. Both unauthorized transactions were made at the same time. I called BOA immediately to report the loss. There is one drivers license, one BOA credit card, {$50.00} cash, and a couple of business cards in the wallet. 

I've opened the claim with BOA twice. The second claim, I even provide solid evidences to prove the information merchant provided is associate to the identity theft activity by the thief, including 1. IP address is not mind, 2. the email address is associated to old account that was expose to ID theft and already been discontinued. 3. I do not recognize the foreign language the merchant provided. 4. The merchant proclaimed that the transactions is for a XXXX game. I have never been to XXXX, and all XXXX games need to be downloaded when a user physically in XXXX. Therefore, it is impossible for me to make the transactions. 5. The thief signed a handwriting form with my driver 's license and credit card in a photo. It is easy to do so with anyone who stole my wallet. However, the signature and handwriting are not match myself. BOA should had my signature on file, but lack of the responsibility to verify it but asking my to be responsible to the transactions the thief made. 6. Not to mention the thief signed as XXXX, which I never used this name. 

I have provided all documents ( including ID theft report, police report, statements against the merchant 's evident in details with image attached ) and faxed them over to XXXX, but BOA seems never looking into what customers provided rather than urging themselves to get the money. This is the third time I attempted to make the complaint peacefully, and I would choose let my attorney speaks for me next time if BOA continues neglecting to verify the true information but being inclined to the merchants even the evidences from the customers are soiled.

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 2023-05-03
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
XX/XX/XXXX at XXXX XXXX After viewing my Equifax Credit Report I found information that was inaccurate and incorrect. 
Equifax Confirmation # XXXX Here is 5 years later and after viewing my Equifax Credit Report XXXX # XXXX XX/XX/XXXX the same inaccuracies still are reporting incorrectly.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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 requested for items to be investigated via mail and they have refused to perform the investigation. 
Please delete the items on the attached letter from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-28
Company: Experian Information Solutions Inc.
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:
The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : # 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 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 2022-10-30
Company: CL Holdings LLC
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
They added collection to my credit reports without my knowledge! I checked & can't verify their registration in Michigan BOTH are FDCPA violations! 

Jefferson Capital put collection on my credit reports without my knowledge and in doing so, this violated the FDCPA Collection Practice by placing a collection account on my credit report without sending a letter to me. Plus there is NO verification from the MI Secretary of State that they are registered in Louisiana which is also against the FDCPA! 

I request that Jefferson Capitol verify the following information. 
1. Full original Account Number 2. Date original Account was opened 3. Any written agreements between myself and the original creditor stating this debt is owed 4. Full account summary and itemized calculation of alleged debt 5. Date of the first delinquency 6. Dates and times of any phone calls made and to what number in attempt to contact me concerning the alleged debt before it was reported to an agency, and so proving that these calls were made in the times governed by FDCPA law. 

If Jefferson Capital Systems is unable to provide the above identifying account information, this account must be deleted from all CRAs. 

Jefferson Capital Systems also failed to follow FDCPA by not sending a letter giving the consumer time to dispute or validate the alleged debt within the allowed 30-day time frame that is allowed by law.

Company response to consumer: Closed with non-monetary relief