BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I sent a letter on XX/XX/2022 to XXXX, XXXX, TransUnion. Here is my tracking number XXXX. However the credit bureaus said they completed the investigation and everything was 100 % accurate. 

According to the law 15 U.S. Code 1681a- Difination ; rules of construction. 

The term " investigate 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 through personal interviews with neighbors, friends, or associates of the consumer reported on or with others whom he is acquainted or who may have knowledge concerning any such items of informations. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer of from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

I would like to know who did they talk to? 
How did they complete this investigation?

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 2023-10-10
Company: EQUIFAX, INC.
State: CA
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:
Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or the customer service representative of the said accounts. XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX were reflected as late payments on my credit report in violation of 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 100 % true, accurate & correct.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-22
Company: ERC
State: TX
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:
This debt does not belong to me. I have no dealings with Enhanced Recovery and have no business with them. I have never been notified regarding this debt. I found out about this unauthorized debt when I checked my credit report. These debt collectors are not following the laws. They are just buying debt to damage a person 's credit report without properly verifying the debt and the accuracy.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-12
Company: Experian Information Solutions Inc.
State: NC
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:
XXXX emailed my bill to me in XXXX and I did not know they were not mailing my bill. When I realized it, it was too late. Im XXXX years old and I have never ever had a negative mark on my credit. Ever! I have completely paid XXXX off and I will never use that card again. I have always been diligent about paying my bills on time and I refuse to accept this ONE negative mark in my credit. Look at my history, I have never been late on anything. If you guys cant work with someone with my excellent credit history, why do people like us bother to try and be perfect with our bills?

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 2022-05-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
Please be advised that as of ( XX/XX/22 ) as listed on my most recently reviewed consumer report, there are unverified accounts listed. As a reference, please see the below accounts in question : XXXX $ XXXX XXXX $ XXXXXXXX XXXX XXXX XXXX XXXXXXXX $ XXXX XXXX $ XXXX XXXX $ XXXX XXXX $ XXXX XXXX $ XXXX XXXX XXXX XXXX $ XXXX AD 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 2020-02-21
Company: Convergent Resources, Inc.
State: UT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Convergent Outsourcing is reporting a debt on my credit file that I do not owe. This debt is past the statute in California, and also it is really old and shouldn't be on my credit.

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 2023-05-27
Company: Experian Information Solutions Inc.
State: MI
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 consuming rights to privacy and confidentially 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. 

15 U.S.C 1681 section 602 A Status 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 convictions of which antedates the 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 2019-10-13
Company: Square Inc
State: TX
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:
I have a cash app card and someone tampered with the account so I had it closed and a new card was issued but the {$70.00} I had in the old account didn't appear on the new account, after 3 days I was able to reach someone thru email but they cut off communications, there is no customer service number to call, they won't respond to the email address that was given I then did a little research and reached out on XXXX   I immediately received a text that they found my account and someone will contact me and that's a lie, I can't get anyone to reach out about my money. This company should be shut down they are stealing money and nothing is being done I've read many stories croon people who have flel prey to cash app and they're the same as mine

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-29
Company: Experian Information Solutions Inc.
State: IL
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 am urging you to take action on these inaccurate and fraudulent accounts on my credit report. It is clear that I have no association with them and they are causing significant harm to my credit score. Please remove them promptly and ensure that they do not reappear.

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 2022-12-08
Company: Experian Information Solutions Inc.
State: FL
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 unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law.I sent multiple letters to the 3 credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be updated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2023-07-05
Company: Block, Inc.
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
I was paid {$300.00} via Cashapp on XX/XX/XXXX by a close family member. I changed numbers, and could no longer access the account which the money was sent to me on, due to my old number being linked to it. I've attempted numerous times to try working with Customer Service, even connecting a sponsored verified linked account with my mother.. I've exhausted all attempts with Cashapp customer service, and they refuse to release my funds. As a new college student, the money was to be used to buy my college schoolbooks. Now I may not be able to purchase books for my first semester of college.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-05
Company: Phoenix Health Care Management Services, Inc.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
HSI Financial called me on today XX/XX/2023. A annoying answering kept calling my phone constant. I never had any dealing or business with this company. So I called back I this company asked for my ssn and dob I refused to give it to them I dont know who they are. When I refused to give them the information they hung up in my face. Very rude and nasty. I want these people to stop calling me. I havent received anything in the mail. I would like to know how this company obtained my personal information because I did not consent to anyone releasing my personal information to anyone. When I find out who released my personal information there will be a lawsuit filed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-27
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
Ive been trying to get these fraudulent accounts off of my credit report for over a year. I have contacted the bureaus and did exactly what they told me to do, but they refuse to remove 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 2022-05-03
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/2022. And now we are in the month of XX/XX/2022, and still nothing from them. That means Experian has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. KINDLY UPDATE OR REMOVE THE FOLLOWING ACCOUNTS FROM MY CREDIT REPORT : Chapter XXXX Bankruptcy XXXX EOS XXXX ( Original Creditor : XXXX XXXX ) XXXX XXXX XXXX ( Original Creditor : 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 2018-04-23
Company: SIERRA PACIFIC MORTGAGE
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My partner and I have a mortgage with Sierra Pacific Mortgage, 1 XXXX XXXX, XXXX XXXX, XXXX XXXX, IL XXXX. Their phone number is XXXX. The monthly payment is {$2300.00}. We routinely split the mortgage and send in two checks and have had our mortgage for 5 years with them. This month, I made a mistake on one check, wrote out the wrong amount, though I did put the correct amount in the numerical portion of the check. I mailed the two checks in on time, they arrived with four days to go. I just found out today that Sierra Pacific would not accept the check that was in error ( but cashed the correct one ) and simply put a late charge of {$85.00} on my next month 's statement which I received on XX/XX/XXXX. I am a senior, living on a tight income, and {$85.00} is a hefty punishment to pay just because I likely had a senior  moment and made a simple mistake. I'm also amazed no one at the company contacted me by phone or email when the mistake was noted, which would have given me time to correct it before the payment was considered late. I called and spoke with a supervisor at Sierra Pacific today - she refused to consider waiving the late fee - I had a one-day late payment last year ( first and only one with them ) and they waived the late fee on that one last year, and she explained to me that their policy is that on a 30 year loan, they are only allowed to offer just one waiver in 30 years. I emphasized that my payment was not late, it was just a stupid error, that could've been quickly corrected if someone had notified me. I feel being stuck with a {$85.00} penalty is a punishment that does not fit the crime. Can CFPB help me with Sierra Pacific to get the penalty fee either waived or at least reduced? I see a major difference in missing a payment and sending one in on time but making a simple mistake. Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-03
Company: SYNCHRONY FINANCIAL
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
SYNCHRONY Bank automatically and without notice reduced the credit limit on the card from {$790.00} to {$380.00} which immediately reduced my credit score significantly immediately after I paid {$300.00} to reduced the balance on the card. Then a week ago SYNCHRONY Bank automatically closed the card advising me via phone conversation that the card was over the credit limit when the card was not over the credit limit/. SYNCHRONY Bank failed to credit a payment of {$100.00} made on the card two weeks prior to the closing of the card. There have been no delinquent or late payments payments due on the card. This is not the first problem I and other customers have had problems with SYNCHRONY Bank and it fraudulent banking practices. ( https : //www.complaintsboard.com/? search=Synchrony+Bank ). 

SYNCHRONY Bank had a habit of closing account for any alleged reason, continuing to bill the customer and in the meantime write off the balance on the card, sell the card to a debt collector and the debt collector attempts to continues to collect the amount owed on the card after SYNCHRONY Bank closed the card and collected funds. I am requesting a thorough investigation of SYNCHRONY Bank and its fraudulent banking practices which has caused harm to thousands of customers and losses to businesses whose finances/store/credit cards are managed by SYNCHRONY Bank.

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 2018-08-15
Company: FIFTH THIRD FINANCIAL CORPORATION
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
Ref complaint ID XXXX XXXX Regarding 5th-3rd bank with my account, my follow up comments are enclosed. 

I read the bank 's closing comments which are false. How convenient for them to use " technology '' as their means to justify their motives to take " customer 's money ''. 

1 ) Ms XXXX 's comments that my checking account was set up for Internet banking vs paper mailing is false. I DID NOT SET THIS UP. I did not authorize this. I would never set up a paperless account. When I was already receiving statements for my savings. 
it does not make any sense to have a paperless statement for checking. All accounts should be consistent mailings. 
Also, In addition, I was not able to access the Internet account. Continuous attempts showed invalid name, invalid password. I was not able to access on-line. 

2 ) My first communication with 5th-3rd was that there was no activity, when in fact, the bank was using their process to " take fees '' out of the account. Even though, I did not initiate this activity, the bank continued to do so. These fees, initiated by 5th-3rd are activity. THIS WAS ACTIVITY. 

I WAS NOT INFORMED OF " AUTOMATIC CHANGES TO MY ACCOUNT. As the bank continued to " bleed my checking account dry '' with their fees, this is another example of " poor '' communication with their customer service. Ms XXXX 's letter does not provide accurate facts on this complaints, only to justify the bank 's purpose. 

I am not contesting the bank 's requirement for their balance on the account. 
Even though, they are excessive.. However, I should have been informed, IMMEDIATELY, on paper by mailing, that {$25.00} fees per month, were being withdrawn. 

I have contacted her office, only to be able to leave a message. She has not returned my phone calls. Therefore, I am requesting another review on this complaint. A refund of {$140.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
In XXXX and XXXX of 2020, I filed a dispute with this credit bureau about the unverified account XXXX XXXX XXXX- Account number XXXX XXXX XXXX Account number XXXX. In those 2 months I have asked numerous times for a response or to be shown that the account is even under investigation and I have not received anything in response from this bureau in over 60 days. So now I'm contacting the CFPB to step in and help me get this issue resolved because I have not received a response from this company about these 2 unverified accounts as of today. Thank you

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 2021-09-02
Company: Phoenix Financial Services LLC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617/// THIS COMPANY IS REPORTING AN ACCOUNT ON MY CREDIT THAT IS NOT MINE/INACCURATE.FRAUD. I DID NOT GIVE NY PERMISSION TO REPORT THIS ACCOUNT AND I WAS NOT NOTIFIED THAT THIS ACCOUNT WAS OR WILL BE REPORTED TO MY CREDIT REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-05
Company: CBC Companies, Inc.
State: TX
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:
Tried contacting all credit bureaus to have unauthorized inquiries. They were not willing to help me removed them until I receive a document from the FTC

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-03
Company: AMERICAN EXPRESS COMPANY
State: IA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I opened a business charge account with American Express. However, when I closed the business, AmEx converted the debt to personal debt and hammered my credit report.

Company response to consumer: Closed with explanation