BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-10-25
Company: Experian Information Solutions Inc.
State: DE
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:
Hello my name is XXXX XXXX and XXXX have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past 7 months to no available. I have been disputing this/these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates : XX/XX/2022 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 2023-05-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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 want this late payment remove from my account, and I never been late with this account I working so hard to pay this monthly and this is not acceptable. 
See the documents attached.

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 2019-06-25
Company: Phoenix Financial Services LLC
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I called Phoenix Financial Services LLC the number I dialed was XXXX. I got a notification from them for a debt from a supposed hospital group. Upon calling the individual never announced who he worked for or what he did answered the phone as hey its XXXX gave him information that I received in the mail on XX/XX/2019 and asked about where it could have come from so that I knew where to start and find out more information for myself. He asked if he could look at what I was talking about I said yes he said he couldnt pull anything up it was too old. He gave me a hospital group out of XXXX I told him I did not live any where near there so needed some more specifics he berated me asked me how I couldnt understand how a doctor cant work in other states and then belittled me. Told me to pay for it and that I know what he is talking about and said come on quit playing with me started raising his voice told me to pay or he will take care of it other ways. I do not know what that means but to say it was unprofessional and absolute shock is an understatement. I would hope their phone calls are recorded, it would surprise by my first impression with this man if they werent. Would not give me info acted like a pushy gangster and threaten me over something to this point I know nothing about. He gave me a date from 4 years ago and then proceeded to get mad, loud, pushy, and derogatory towards me. I still have no information and this was so absurd and offensive not to mention he says have a good day cut me off from any question at all and hung up. This individual never gave me an proper intro to this company I had to ask if it was the right number he never asked for an account number or anything just said his name then went negative and demeaning within a minute on the phone.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-28
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:
I was issued a refund by a merchant through cash app. It was a lot of small payments that were accidentally sent. The merchant understood what happened and refunded me all the accidental transactions. On my side of cash app, looking at my history and activity, everything looks like the transactions were refunded correctly. But when cash app sent the transactions through to my bank, instead of refunding me, they sent the refunds through as payments. So instead of getting the money back, it was withdrawn a second time from my account. I contacted my bank and they said there was nothing they could do because cash app sent the transaction through incorrectly. Cash app would have to correct the mistake on their end. So I called cash app. I got through to customer service and was told they couldn't help me then hung up on me. I called again and same result. I called again same result. I finally got a manager to contact me and she said she couldn't help me and told me she was closing my case. I am being ignored and the total missing from my account as of XX/XX/XXXX is {$2500.00}. Cash app has mistakenly withdrawn money instead of refunded it and is refusing to even address the problem. I'm at a loss. That is theft. They will not put the money back they took out and this is causing bigger problems for me daily. If cash app is not going to be held accountable for mistakes they make or be made to pay back money they drew out of someone's account mistakenly, the public needs to know that. I'm not saying I'm missing {$10.00}. They took {$2500.00} from me and are refusing to even communicate with me about it. I am now 20 days in and still nothing from cash app. This started XX/XX/XXXX. As Of today XX/XX/XXXX, I have not been refunded. And they closed my case. I have the documentation from the merchant and of course my bank statement showing the cash app blunder.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-14
Company: OneMain Finance Corporation
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
XXXXXXXX Credit Bureaus is reporting hard inquires that was not authorized or given consent to to pull my credit file. However, I noticed several soft inquires on multiple occasions which could possible be a error which is why have asked for an investigation into this matter, 1. ONEMAIN  INQUIRY HARD PULL XX/XX/2022, ALL OTHER ONEMAIN  CREDIT PULLS soft pull DATES ARE XXXX. I HAVE NEVER AUTHORIZED OR GIVEN CONSENT TO THIS COMPANY TO DO A SOFT OR HARD PULL ON MY CREIT REPORT NOR DID EVER COME IN CONTACT WITH THIS COMPANY.. 

XXXX XXXX I HAVE NEVER AUTHORIZED THIS COMPANY OR CONSENTED TO THIS COMPANY PULLING MY CREDIT AT ANY TIME.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Im begging you plese remove this to the 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 non-monetary relief
Consumer complaint received 2023-05-02
Company: Franklin Collection Service, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
This collection was already resolved previously and a new company decided to try and buy the debt and reopen it, which is illegal and needs to be removed all together. 

This is for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX had no connection with the dish, and wait time for a phone call was XXXX minutes with no answer. I then called XX/XX/XXXX to pay the debt despite not having any service which XXXX knew well I was having major issues with my dish but was not going to allow anyone inside my unit due to covid. So I did not schedule a technical call as they said they would have to enter the premise, I told them to please cancel as I had no access to the product and services. I kept getting billed for 4 months after. Mind you I signed a contract in XX/XX/XXXX for 24 months, so they were billing me after the contract was no longer. The equipment has been disconnected for months and waiting return. I was informed me they then sent return item in XXXX, which it never arrived, so more lies on the companies part. Now they want {$400.00} plus missed item fees that can be more than {$150.00}. I should be responsible for nothing for a service that had " no signal codes '' since XXXX and a contract that expired at the end of XXXX. They need to stop collection activities for an account that one should have been closed, a service that number 2 couldn't be accessed due to technical problems and because of Covid unrepairable without putting my health at risk. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-08
Company: Franklin Collection Service, Inc.
State: AL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Was sent to Franklin Collections in XXXX of XXXX for a medical bill of {$830.00} from XXXX XXXX XXXX XXXX. This bill was paid off by XXXX XXXX XXXX XXXX of Michigan medical insurance also in XXXX of XXXX.When I called the company to address this issue they stated my account balance had XXXX  out yet the collection was sent again in XXXX of XXXX. I sent Explanation of Benefits to the credit bureau that is clearly showing that I myself owed XXXX and the medical insurance company had paid off the balance of {$830.00}. Still after this nothing was done to fix my credit report report of this unlawful accusation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
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:
INFORMATION ON MY BANK : Bank of America XXXX XXXX XXXX Florida XXXX Via Facsimile : XXXX Re : Bank of America Auto Loan Account Request for Correction of Credit Report Time Period Ending : XX/XX/2017 Reason for Correction : Missed payment was due to a Bank of America Auto-pay glitch that I had no control over. This one missed 30-day payment history is destroying my credit rating. 

PEOPLE I HAVE CONTACTED : Bank of America chat representative via XXXX, called the XXXX number given to me for auto loans and they told me to write a letter to the address stated above. Filed numerous disputes with credit agencies, and filed a complaint with the Office of the Comptroller of Currency who directed me to CFPB.

BANKS LACK OF RESPONSE : The bank has not responded to me. All of the complaints I have filed with the credit agencies never change my account and there isnt a reason. I got to pick from a multiple-choice list and that serves as my statement on the credit report. The closest description I found was delinquency due to disputed billing procedures. 

I want this mark removed from my credit report. I have a big event coming soon that I will need to apply for credit for and this one little 30-day missed payment, a payment that was missed due to the bank 's autopsy glitch, is destroying my credit rating. If they won't remove it, I want an explanation as to why. I'm not asking for a good-faith removal, something that Bank of America does NOT do, I'm asking because it shouldn't be there to begin with, this is Bank of America 's mistake, not mine. It's hard to believe what one small missed payment can do to one 's credit rating. I want it fixed. I have been trying for years to get this fixed and now it needs to be removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-14
Company: PNC Bank N.A.
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX I submitted a request to my mortgage company ( PNC Bank ) to close the escrow account. After many calls and follow-ups, I finally received a letter on XX/XX/XXXX indicating my escrow account can be closed but I have to pay a fee of {$1100.00} for " closure fees '' and submit a consent form. I signed the form and sent it back to the bank via mail as requested. On the night of XX/XX/XXXX at XXXX EST, I called and spoke to XXXX XXXX PNC requesting information regarding the fee they disclosed and where in our document was this acceptable. The lady on the phone, after several minutes of review, indicated she couldn't find the clause in the documents that allowed them to charge me this fee. I requested her to have someone call me and drive me through the document as to where those fees were agreed upon in our document. So far, I have not heard back from the bank and I don't want to delay more the closing process. I just want indication as to what we agreed upon is correct and that I'm to pay those fees. If that was not the case, I shouldn't be charged for that.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-17
Company: EQUIFAX, INC.
State: TX
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:
Equifax. I have submitted numerous disputes. Ones concerning my name, address etc have been resolved. Ones regarding revolving accounts and installment accounts don't get addressed. It's been 4 months for some of the disputes. I have a revolving account, XXXX, that is missing multiple months of history. I have another revolving that hasn't been updated since XXXX. I upgraded from a single bureau report to a 3 bureau report and the history of all my active accounts disappeared. Not from the XXXX or XXXX part of the Equifax report but the EQUIFAX part of the report. For 3 weeks. Finally I downgraded. I asked multiple times for a refund. They said no. I tried MANY times to talk to someone. I just kept getting the brushoff. There is more but that's the majority of it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-14
Company: JPMORGAN CHASE & CO.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX sent my credit to a bunch of banks that I didn't want and resulted in unwanted inquiries. 

XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Was told there were pre qualifications and my credit wouldn't be affected. 

XXXX XXXX XXXXXXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Was told there were pre qualifications and my credit wouldn't be affected. 

XXXX XXXX NA 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 Was told there were pre qualifications and my credit wouldn't be affected. 

XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Was told there were pre qualifications and my credit wouldn't be affected. 

XXXX XXXX : XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Was told there were pre qualifications and my credit wouldn't be affected. 

XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Was told there were pre qualifications and my credit wouldn't be affected. 

JPMCB CARD HAD MULTIPLE INQUIRES FOR XXXX APPLICATION. Others were said to be pre qualifications but weren't. 

XXXX XXXX XXXX XXXX : Car dealer gave me multiple inquiries for XXXX application. 

XXXX XXXX XXXX : Car dealer gave me multiple inquiries for XXXX application. 

XXXX XXXX XXXX XXXX dealer gave me multiple inquiries for XXXX application. 

XXXX XXXX : XXXX dealer gave me multiple inquiries for XXXX application. 

XXXX XXXX XXXX Car dealer gave me multiple inquiries for XXXX application.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX were # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-14
Company: GOLDMAN SACHS BANK USA
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I have the AppleCard with Goldman Sachs and had my XXXX XXXX XXXX account listed as method of payment since XXXX. 

Beginning in XX/XX/XXXX my balance payments were withdrawn from another XXXX member 's account due to ( I'm told ) a one-digit error in the first XXXX numbers of the listed account. XXXX accused me of entering the account number incorrectly. 

I learned of this issue via a XX/XX/XXXX phone call from XXXX with no electronic notification/heads up -- in this day/age most anyone will notify the enduser to prompt them to contact the institution for info/PII security. During the XX/XX/XXXX conversation with XXXX I was told the issue was from XX/XX/XXXX and then that this had been an issue since XX/XX/XXXX. You can XXXX my account security concerns. 

CFPB Complaint XXXX already filed for XXXX as well. 

XXXX points the finger at Goldman Sachs as they are the party issuing the transaction requests on my behalf also because they post to the Fed. XXXX says ; not our problem. 

After several disputed payments and regardless of settling this sum in XXXX payment Goldman Sachs I've lost " grace '' since the payments had been returned. 

I'm told it will take XXXX days for anyone at Goldman Sachs to look into the case and/or get in touch with me. 

My concerns are probably obvious ; credit reputation/score along with risk of future occurrence.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-12
Company: Rent Recovery Solutions
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whether it's a charge off? The balance is in fact wrong, please make sure to reverse it to zero or remove the item fully. Please also produce documentation to verify all the charges and credits in this supposed account that caused to the extremely high credit figure you might have displaying on my account. My demand to present this records is a standard information demand in accordance with my rights honored within the fair credit billing act. If you fail to give these details per my civil rights petition, please make sure you quickly remove this specific wrong posting.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-13
Company: AMERICAN EXPRESS COMPANY
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 would like to remove the inquiries that are were maid with out my written consent. Along with accounts that been falsly opened for year 's under my account.

Company response to consumer: Closed with non-monetary relief