BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-04-05
Company: Sterling Infosystems Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
On XXXX, a potential employer asked to do a background check on me. I had nothing to hide so I approved it. It came back and showed information about potential criminal activity in another state that I have never visited or lived in. The company that did the background check was Sterling Talent Solutions. I spoke with them and they couldn't answer any questions for me. I spoke to XXXX and said my account is temporarily suspended and will be closed permanently on XX/XX/XXXX because of this. Now I was never in Arizona. I don't know what this means. And now XXXX is preventing me from getting jobs because of something I DID NOT do. The information they have is INCORRECT! I don't know what to do. I need to clear my name!

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 2022-04-26
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
My wife and I attempted to close our bank account on XX/XX/XXXX. Due to an error, my direct deposit still posted to this bank on XX/XX/XXXX. Instead of rejecting this deposit, the deposit was accepted anyways. After accepting the deposit, the bank paid many different charges instead of showing the account as closed and rejecting the charges ( we were working with these vendors to update payment methods ), resulting in a large loss of funds immediately available funds to us.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-10
Company: ProCollect, Inc.
State: TX
Product: Debt collection
Sub-product: Rental debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I will not pay the {$3800.00} you charged for my apartment 's related fee, with excess costs. Please see my email chain. From the beginning of my lease, I have asked to get out of it due to bug issues. These unfair reason charge has caused undue problems with my credit. The email chain sends all of my emails. I also need a copy of my lease to see my fees because there are also unfair fees. I dispute this, and if I don't hear from you by the close of business within three days of the recipe, I will be forced to examine further options. 
The collector Procollect repeatedly messages or calls during working hours at work. Procollect is harassing me and constantly calling, leaving messages, and using inappropriate language to tell me to pay my bills. I have attempted to dispute, based on an email from the tenant. I have also tried to settle, and Procollect refused.

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 2023-01-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I reviewed my Consumer Reports and noticed that I had late payments on accounts that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report XXXX information to the best of their ability with XXXX XXXX. I have never been late on payments for the accounts : XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$2900.00}

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 2023-06-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 did not initiate these Accounts and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my claim.

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 2023-01-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
RECENTLY, I LOOKED AT MY CONSUMER REPORT, AND IT BROUGHT ON A TREMENDOUS SADNESS. I HAVE BEEN FEELING DOWN AND XXXX  LATELY.THIS IS HARMFUL TO MY HEALTH AND A DEFIMATION OF MY CHARACTER.I FOUND EVIDENCE THAT YOUR ORGANIZATION DIDNT DOUBLE CHECK FOR ACCURACY BEFORE REPORTING IT.IN ACCORDANCE WITH SECTION 1681e ( b ) ACCURACY OF REPORT TO THE UNITED STATES CODE 15 USC WHEN A CONSUMER REPORTING AGENCY SERVICE CREATES A REPORT ON AN INDIVIDUAL, THEY ARE REQUIRED TO TAKE REASONABLE MEASURES TO ENSURE THE DATAIS ACCURATE AS FEASIBLE.

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 2021-01-04
Company: SN SERVICING CORPORATION
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I Would like to formally file a complaint against a my mortgage servicing Company, due to the current events created by COVID-19 There is two individuals name XXXX XXXX office manager in the XXXX office along with an Asset manager name XXXX XXXX, i have been dealing with them via email mostly XXXX XXXX as the manager XXXX XXXX avoids me discriminates against me when I call and always use the word investor and constantly put pressure that they cant help me. 

they forced me to send my money for my medicine and hospital visits to them with pressure tactics never speak to me they say I yell wont talk on the phone. they sent me a letter advising they will raise my mortgage payments effective XX/XX/2021 due to an escrow analysis i advised them i cant pay a XXXX more than i am already. they still don't care to help. 

The payments for XXXX and XXXX have been sent how ever they still don't care that I am doing all i can to pay on time. 

This company doesn't care for anyone effected by this whole pandemic thing. the company name SN SERVICING CORPORATION XXXX XXXX XXXXXXXX XXXX, CA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-18
Company: EQUIFAX, INC.
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: 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. 

Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2021-01-13
Company: Square Inc
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On XX/XX/2020 I was the victim of a gunpoint robbery and was forced to give up my phone. 
My cash app account was then compromised and numerous attempts by the criminal to withdraw funds were made and some some were successful. {$580.00} was fraudulently withdrawn and upon discovery I immediately contacted cash app " support ''. 
They proceeded to blame me for being a victim of crime and decided to deny my refund claim. Cash app continues to make money per transaction ; fraudulent or not so they dont care about the end user or consumer. They need to be investigated immediately. 
In effect all of us who experienced similar issues are inadvertently helping them get unfairly enriched at our and my unfortunate expense. This is far from an isolated issue as cash apps business practices and lack of actual support resolutions makes cash app users a lucrative target for criminals who knowingly understand Cash apps consistent willful blind eye to fraudulent and criminal transactions.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
Due to extreme circumstances beyond my control, I was 32 days late on a payment. I've never been late on any previous payments and I am current with all payments now. This happened due to extraordinary circumstances out of my control. I was affected by COVID-19 and unable to access my account or internet/phone from XX/XX/XXXX - XX/XX/XXXX. I was then a victim of auto theft that lead to Identity Theft and had to change all banking /financial information. As I verified all of my financial accounts and filed police reports/investigations I noticed that XXXX XXXX had a different last name associated on my account. They did not notify me of this incorrect Last name at any time. I was alarmed and believed this was due to the identity theft however I found out that XXXX  was at fault for placing a wrong last name on my account. XXXX  had a copy of my drivers license with my correct name and contract signed with my correct name. They are at fault for not verifying and correcting my contract. 

I called into all my financial institutions to notify them on the XXXX of XXXX. XXXX  has been ( the only institution ) unwilling to remove a 30 day late mark to the credit bureaus. They are unwilling to understand the severity of my situation and take some accountability for an error on my statements/account. I have offered to submit police reports and other documents and they have turned down every attempt I have tried to put forth. From a business relationship, legally and Ethically that this is a violation. 

In summary the 30 day late payment was Due to a combination of the below events/factors : 1. COVID-19 2. Identity Theft ( Compromised financial accounts and online email, etc. ) 3. XXXX  placing an incorrect name on my contract ( please see attached statement with incorrect Name )

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 2023-01-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
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 been trying to solve this problem for some time with your agency and the corporations and debt collectors you allowed to put fraudulent inaccurate items on my credit report without permissible purpose. Matter is you continued to report items as well without my permission and not being 100 % accurate under 15 US Code 1681e ( b ).

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 2021-01-13
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
On XX/XX/XXXX, my son was told he required an immediate XXXX to identify the cause of issues he was having. As he is underinsured, he was unable to pay the {$1400.00} doctor fee. I, as his father, did not have the funds either and was forced to use my Care Credit card to pay for it. I have been making monthly payments on the balance starting in XX/XX/XXXX. Due to COVID, my son was unable to pay the full balance due on XX/XX/XXXX and Care Credit ( Synchrony ) charged a penalty payment of {$420.00} in addition to the {$1000.00} due which I think is criminal ( 26.99 % ). Now the issue is even worse and I do not believe that taking advantage of people during a pandemic is fair or reasonable. My son is still unable to pay and now I will have to pay it which puts a tremendous strain on my finances. Please advise what can be done.

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 2023-01-23
Company: WELLS FARGO & COMPANY
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
In XX/XX/2022 it was an excellent time to open an account with Wells Fargo. I had checking, & savings linked, but on the XXXX of that month. I deposited a check worth {$9700.00} someone bless me with, the only problem my name wasn't spelled right, and XXXX claimed the check was made out of rubber. On XX/XX/XXXX my account was closed due to this issue of matter. I can't do any kind of business would like to sue for everything plus interest. XXXX bad, and good news about this financial industry. I personally wanted to give them a chance because the co-founders started out in California. The state I love and missed so much on an everyday basis. Finally, & this is the thanks yours truly receives back awful!

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 2021-01-04
Company: JPMORGAN CHASE & CO.
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Commencing on or about XX/XX/2020, I fell victim to a multilayered scam operation orchestrated by XXXX XXXX XXXX ( the Company ), with the design, development, manufacture, promoting, marketing, distribution, labeling, and/or sale of illegal and outright fraudulent investment services, all of which aim at contributing to the goal of robbing and defrauding clients, through a predetermined cycle of the clients losses to their gains. 

Money was transferred from my account and through an intermediary named XXXX in the total amount of XXXX USD utilizing your services.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-28
Company: Experian Information Solutions Inc.
State: TX
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:
**** Human manual review only, No automated system please. Be compassionate **** Please see the issue where you all reporting that the details of the XXXX XXXX, XXXX show that there is no first date of delinquency or late payment however when I click on payment history you all are reporting late payments. XXXX has it as 60 days late in XX/XX/2022, XXXX  90 days, XXXX 120 days, then XXXX 90 days. Any reasonable person can see that this cant be correct! Then Experian and XXXX has it completely different. They are not even consistent with what they report to you all. They can not be trusted to be fair and accurate as FCRA requires. Please see the attachments. If there is no date of first delinquency because I have never been late. The manager at XXXX XXXX has some personal issue against me and keeps violating FDCPA laws to keep false reporting back to you all confusing details of a late payment that never happened. I have paid off the balance on this account and this record needs to be deleted because its clear that this creditor is not committed to following the consumer protection laws regarding their reporting. You keep following what they say instead of deleting this as the law requires. You all keep saying things are verified then I dispute showing incorrect information then you all update things. You all need to delete this record. There system is clearly wrong since it cant even report a delinquency date and cant even report the same to all credit reporting companies. There should be no red for any month indicating any late payments! There should only be green check marks to show that there were no missed payments. You all keep making inaccuracies on it. They are not supposed to even report any late payments to to federal laws that were passed for that time. Credit reporting companies are required to comply with the law, by deleting these late payments or removing the accounts if the creditor keeps ignoring the law and fail to comply with reporting restriction. Asking them to keep this verify and automatic reporting loop going is just wrong and illegal. I am suffering because your personnel or the systems they use are constantly presenting false and inconsistent information to the public. You all will be held accountable for violating my rights! Just delete this account.

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 2023-01-23
Company: Radius Global Solutions LLC
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Radius Global Solutions, is carrying a debt from XXXX XXXX that should have been paid by my insurance company. Radius Global Solutions LLC has NOT provided an address of the original creditor nor have they responded to my return letter disputing the debt. LLC 's are not recognized by Federal Law, and I am wondering why this company is attempting to act on debt collection in accordance with federal Law. I need them to relinquish the debt as it was not theirs in the first place.

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 2023-01-23
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reporting on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and remove off of my consumer report immediately as its violating several laws. Remove these account and information immediately!

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 2021-01-13
Company: WELLS FARGO & COMPANY
State: NJ
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
I am trying to communicate with wells fargo. all my home equity payments have been made. I did not agree to any deferment, nor did i answer any of my mail, due to problems with the mail, i didnt even get any of their letters. 

They keep trying to charge me with a deferment, and therefore affect my credit, and my creditworthiness. 

they promised me a detailed letter and proof that they said i called in asking for a deferment. I never called in, i call quite often to go over my account. that is it. 

they promised to send a detailed letter, and instead they sent a pretyped letter with no signture, which i cant understand. T This seriously damages my credit, and they are treating me disrespecful, denying my rights as a disabled person, to understand their literature, refusing to go over my account with me, and sending ambigous literature. i asked for a detailed accouting of all my payments, and they did not send that either. 

i wish to file a grievence, i am on hold fo rlong wait times, they sometimes have a tape on that they are not open,

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 2019-04-23
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have a student loan with XXXX XXXX XXXX. I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called XXXX XXXX XXXX and they said their system automatically put me on paperless billing, which I did not request. I was awaiting letter in the mail all this time just to find out their system had an error. As you can see, I have always had a stellar payment record with this company. I tried contacting Equifax and XXXX XXXX XXXX with no successful resolution. Equifax only reporting me 30, 60 and 90 days late. There was an error on their part. I was never 90 days late.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-05
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I only recently discovered that CapitalOne effectively sunset my formerly high yield savings account, and opened a different high yield savings product, and didnt automatically convert my account, or even notify me that I was no longer earning high interest so that I could switch. As described here : XXXX XXXX XXXX

Company response to consumer: Closed with explanation