BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-25
Company: Experian Information Solutions Inc.
State: MS
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 account ( s ) below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 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 items 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 the consumer to any consumer reporting agency if the person knows or has reasonable cause to believe 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 2022-01-02
Company: Sequium Asset Solutions, LLC
State: CO
Product: Debt collection
Sub-product: Other debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint:
The law firm a corporation had an account with XXXX. There were billing and service issues. As such a final statement was disputed. XXXX then hired a collection agency XXXX XXXX to collect against my personal self and not the company. I disputed the debt and demanded no further contact. XXXX then hired Sequium Asset Solutions , LLC to collect against my personal self. Again I forward a dispute with a no contact demand and a copy of the prior letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-23
Company: EQUIFAX, INC.
State: NY
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 was looking through my XXXX XXXX and noticed they were fraud activity that I never authorized or signed for. 

The following inquiry 's were never made by me. 

XXXX XXXX XXXX XX/XX/XXXX is fraud XXXX XX/XX/XXXX is fraud XXXX XXXX  XX/XX/XXXX is fraud XXXX XXXX XX/XX/XXXX is fraud

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-14
Company: Block, Inc.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I deposited {$4000.00} into my checking account with XXXX XXXX XXXX XXXX XXXX XXXX via electronic transfer. After a few days, I tried using my money and discovered my account had been frozen. I received an email saying that they were closing my account and that the decision was final. There was no explanation or reason given. They stated they would transfer my funds to the external bank linked to my account within 2 business days. It has now been 30 days and my account is still frozen and my funds have not been released. I called several times and they operator can not give me a reason for the account closure or any additional information. Their only answer is to wait up to 90 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-15
Company: Experian Information Solutions Inc.
State: IL
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:
n accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XXXXXXXX XXXX  XXXX XXXX, XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX, XXXX XXXX XXXX, XXXXXXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX WISCONSIN, XXXX xxxxx XXXX, XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX 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 an account without my written instructions 15 U.S.C 1681c ( f ) 1681B ( C ) 15 USC 1681c-1 : Identity theft prevention ; fraud alerts and XXXX XXXX alerts

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 2021-08-17
Company: ERC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I learned after attempting to apply for a new loan my credit score was being effect by a collections agency for XXXX XXXX for {$51.00}. ERC is the debt collection agency. 
I did not know of this debt at all it's from a disconnect in XXXX and it was sent to collections in XXXX and this is the first I have known about it. I need to clear the matter so they settled it for {$33.00} and I asked for a letter that this is paid in full and that it will be removed/deleted from my credit. They refused only saying they don't do that and that they would send a letter confirming paid in full. I'm disappointed as this hampers my opportunity to get a loan at 2.275 % now my rate will be 2.99 % just because they would not be willing to note in the letter that this would be removed from my credit. 
I am very upset this is the only report on credit. Can you help. I did pay it off today XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights.

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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 2022-01-02
Company: AMA Advisors, LLC.
State: MI
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
On XXXX XXXX. 2020 I submitted a letter to Homebridge Financial for assistance because I got behind in mortgage payments due to getting XXXX. I was not able to work a full schedule because I was too weak. ( Im a XXXX, got XXXX from my patient ) I had to qualify for one of their programs. I finally qualified for one of their programs. I started dealing with XXXX XXXX in the loan modification Dept. I followed all his instruct to the t because I wanted a loan modification for a lower payment. I believe I made 11 or 12 payments between $ 860- $ 900 monthly. In the meantime they sold my loan toXXXX XXXXXXXX and still kept collecting monies from me. XXXX XXXX said that I would be getting a loan modification soon. He also requested that I NOT contact XXXX XXXX because it would be counter productive. These payments to Homebridge were made with a card called XXXX XXXX. I dont have any receipts but I do have some of these cards I. My possession. I eventually called XXXX mortgage because my husband said it sounded like a scam. And he was right. My house is in foreclosureand I owe & XXXX to XXXX mortgage. I only get a recording when I call Homebridge Financial. And XXXX XXXX does not take my calls anymore. I got scammed from this mortgage company. I need all my money back that I gave to XXXX XXXX for a loan modification that never happened. He lied and cheated for Homebridge. And I am currently in foreclosure. Here are the pertinent numbers Loans # at Homebridge XXXX XXXX XXXX XXXX and XXXX Homebridge financial XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-04
Company: Experian Information Solutions Inc.
State: WI
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:
Experian refuses to correct bad and incorrect information on my credit report. XXXX XXXX XXXX  have been paid. They remain on my report as open collections. 
XXXX XXXX  is not my responsibility. This is my ex-wife 's responsibility. This was part of our divorce decree. The fact that she is regularly delinquent is not my legal responsibility. I can not recall ever even having to have spoken with XXXX. This detrimental information should not be on my record.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Per XXXX credit report payments were made on the XXXX XXXX loans in XX/XX/XXXX. 
I need then to provide validity that these payments were made. Provide documentation to support payments were made on these loans. 

XXXX XXXX reported the accounts delinquent for 60/90 days since no payments were made after XX/XX/XXXX. 

This is a depictive practice, Then they report it as delinquent or charge off. 

They dd not provide verification of a cancelled check, electronic transfer of who made the payment.

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 2023-01-10
Company: National Credit Systems,Inc.
State: MI
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:
UNDER 15 USC 1681i ( 7 ) Method of verification this account is in viloation it was reported without valid evidence Under 15 US CODE 1681a ( 2 ) ( B ) Exclusions from a consumer report this account is in violation any credit transactions supposed to be excluded from a consumer credit report if a social security card was used in transaction XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-22
Company: World Acceptance Corporation
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
World Finance will not update my chapter XXXX on my acct i called spoke with Supervisors and managers they stated they will not update it on my report but i included my Creditors list with them on it and they have acknowledge the Chapter XXXX but want update it on my Credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-30
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Yourrecords show that account number XXXX has a balance of {$14000.00}, this account is fraudulent and I am requesting you to remove this from my credit file, the signature attached is not my signature I did not authorize this account to be furnished on my credit file. I need an investigation by your fraud department and get this account removed from reporting on my credit file

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XX/XX/2023 XXXX XXXX XXXX XXXXXX/XX/2023.

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 2023-06-05
Company: SYNCHRONY FINANCIAL
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
I would like to file a complaint regarding a recent experience with Synchrony Bank and XXXX regarding two failed XXXX transactions and the subsequent inability to retrieve the funds. Here is a summary of the events : On XX/XX/XXXX, my wife and I set up XXXX joint CD accounts with Synchrony Bank under my wife 's profile. We linked my XXXX savings account as the external account and initiated two ACH transactions, one for {$20000.00} and the other for {$30000.00}, to fund the CD accounts. 

However, on XX/XX/XXXX, we received emails from Synchrony Bank stating that both transactions had failed. We expected the funds to be returned to my XXXX savings account, but after several days, the funds had not been credited back. 

Upon contacting Synchrony Bank, we were informed that due to the CD accounts being under my wife 's profile, only she was authorized to make deposits into them. Therefore, my funds were rejected for deposit. Synchrony Bank attempted to return the funds, but their policy prevented them from doing so because I, as the sender, did not match the intended receivers ( my wife and me ). They advised me to contact XXXX to request an ACH return. 

I contacted XXXX and initiated a dispute. However, after their investigation, they found that the ACH transactions were successful and stated that they had no reason to request an ACH return. I relayed this information to Synchrony Bank, but they maintained that the only solution was for XXXX to request the ACH return. 

Despite multiple attempts to resolve the issue with both XXXX and Synchrony Bank, neither party has been able to provide a satisfactory resolution. This has left me in a frustrating situation where my funds are stuck between the two institutions, with neither taking responsibility or providing a viable solution. 

I am seeking assistance from the Consumer Financial Protection Bureau ( CFPB ) to help facilitate a resolution to this matter and ensure the return of my funds. Thank you for your attention to this complaint.

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 2019-03-26
Company: NEW YORK COMMUNITY BANK
State: NY
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
The New York Community Bank office in XXXX XXXX [ XXXX XXXX ] ran a background check on my Social Security number thru XXXX  XXXX after I had opened a CD and checking account on XX/XX/XXXX and determined that I had to bring my SS card to the office for identification purposes. I went to the bank to ask why I was asked to bring the SS card since I was an existing customer of NYCB for several years. They claimed that someone else had been heavily using my social security for several years. I immediately initiated the investigation by contacting the credit bureaus, Social Security Administration and XXXX XXXX to obtain the reports. Every report came up clean. The only name associated with my SSN was mine. I went back to the bank in XX/XX/XXXX and spoke to Management regarding the results of my investigation. They told me to contact XXXX XXXX again and ask them run the report by using my SSN only. I contacted XXXX XXXX several times to review the info linked to my SSN and no errors were found. Since the bank is the only institution seeing the other individual linked to my SSN, I asked them several times to provide me with a general letter indicating the issue without disclosure of the other individuals identity so I could initiate a proper investigation. Management has denied my request multiple times in the most unprofessional manner. On my last visit to the bank [ XX/XX/XXXX ] I was informed that the individual linked to my SSN had died in XX/XX/XXXX. Where is the bank getting this info from? Why none of the agencies I contacted has this info? They told me to ignore the whole issue with my SSN, to let it go. They further said that they did a background check on my SSN because everyday people open bogus, suspicious accounts. Were my accounts bogus and suspicious? That comment alone was extremely offensive. My parents, loyal customers of NYCB for over 20 years, are taking their business elsewhere. 

The rude, dismissive, impolite, unprofessional behavior and negative comments made during my recent interactions with management are a clear indication that the bank is discriminating against me. Providing me with a letter I have requested so I can initiate an investigation to ensure that I am not a victim of identity theft is the least the bank should do besides the apology for their discriminatory behavior.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
My credit report is showing late payments to XXXX XXXX XXXX. 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 XXXX XXXX 's customer service representative.

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 2023-01-27
Company: ENCORE CAPITAL GROUP INC.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Midland Credit is reporting a collection account on my reports. I have contacted them regarding this account as I am not familiar with this account but they have not responded to my dispute. Here is the tracking to prove they have received my request of validation XXXX XXXX XXXX XXXX XXXX via USPS. They have not responded or tried to contact me back in any way and this is a violation of my rights as a consumer to dispute this inaccurate account. This account should be deleted from my reports!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-04
Company: Experian Information Solutions Inc.
State: PR
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:
This is NOT a duplicate complaint. This is a new complaint against the credit reporting agencies. XXXX XXXX corrected my credit report and now is ( 0,0,0 ), but my credit file with XXXX, Xperian and XXXX still appear as delinquent for 30 days. 

The facts are the followings : XXXX gave payment extensions to all clients who needed such relief, after Hurricane Mara hit the island last XXXX. The extensions were for the payments due on XXXX, XXXX and XX/XX/XXXX, and were applied to all accounts in which no payments were made on those specific months. Claimant made the XXXX installment payment, on XX/XX/XXXX ; so he was only entitled to extend payment for the installments due on XXXX and XX/XX/XXXX. Nonetheless, he didn't make the payment for the installment due on XX/XX/XXXX ; until XX/XX/XXXX. 

DESCRIPTION OF NON-MONETARY RELIEF As claimant states that he believed the three installment extension offered by our company covered those due on XXXX, XXXX and XXXX, since he had made the XXXX installment payment before the hurricane hit, we have proceeded to extend his XXXX installment ; thus making his account current and his credit history 0/0/0.

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 2019-03-26
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 fraud alerts or security freezes

Complaint:
Experian put a fraud alert on my file without my permission. Then they sent the alert to other credit bureaus. 

I tried to get them to take it off but they didn't have a contact number other than the one I used to what they claimed to call to take a freeze off or fraud. 

When you call the number you don't get a person only a machine asking you questions to verify or the machine hangs up on you. 

I answered the questions waiting to make a freeze selection that never happened and once it collects your information it tells you it just completed a fraud alert and that it would share that information with all the other credit bureaus. 
I called XXXX to find out if there was a freeze alert or fraud alert and could not get a straight answer from them. 

I called XXXX and they have my file in some special handling department that I didn't authorize and when I found out about it in XX/XX/XXXX or XX/XX/XXXX When they could not tell me why. 

I told them to take my file out of that department after speaking to several managers and supervisors. They assured me my file was removed but I've contacted them several times and each time since XX/XX/XXXX to now my file is still in that specisl department.

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