BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
On XX/XX/2023 I called TransUnion and asked what was the update on removing XXXX XXXX XXXXXXXX reference number XXXX for my consumer file. I was told by XXXX that I was being denied the information. 

Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

If the banking system is depended upon fair and accurate credit reporting, what's fair about XXXX from TransUnion telling me that he can not provide the information of the third vendor that has verify this Bankruptcy that is reporting with only TransUnion. I have informed TransUnion numerous times that this Bankruptcy needs to be removed from my consumer file. I have provided numerous documentation and TransUnion has failed me as a consumer in regards to reporting accurate information. 

I then called XXXX and spoke with XXXX. I informed her that I spoke with a TransUnion rep today and he stated that XXXX verify this bankruptcy as accurate. XXXX pulled my filed and stated that its no bankruptcy reporting on their end and that they did a manual dispute with TransUnion on XX/XX/2023 and the result were just mailed out to me on XX/XX/2023 and I should get them and XXXX to XXXX business days. She also stated that she didn't heard anything back from TransUnion. Interesting thing is the TransUnion rep stated that XXXX verify the Bankruptcy. I am being mislead by these two Entities. XXXX and TransUnion are working together to ruin my credit worthiness. I feel I am being bully and lied too and I don't like it. I have been informing them for a year now and nothing has been done. TransUnion nor XXXX does not care about the rights and privacy of consumers. They are misusing their power that was given under regulation. It's not fair to continue to ruin a consumer file when proof has been provided. 

Please Help.

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 2022-10-14
Company: Experian Information Solutions Inc.
State: KS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX XXXX is reporting uniformed information to my consumer report dated XX/XX/2018. Numerous attempts have been made yet the company continues to violate 15 USC 1681. nothing is fair in regard how this company work. They are making my life stressful. I feel as a consumer.

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 2022-11-09
Company: Cedars Business Services, LLC
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
Cedars Business Services , LLC XXXX XXXX XXXX XXXX owed : {$900.00} or {$1200.00}? Not sure what the amount is. It keeps changing. 
Five years for the bill has passed, and XXXX XXXX sold this debt to Cedars Business Collection Service trying to collect profit. The date of the bill is XXXX. The statute of limitation for this collection has passed. 

XX/XX/2022, I requested the following information : Validation of Debt and a signed HIPAA form ( Health Insurance Portability and Accountability Act ). They did not provide a signed HIPAA release form, giving their company permission to not only receive, but to disseminate my information. In doing so, they are in violation of my rights under the HIPAA Law. 

I do not know why Im being charged. 
I have the right to written confirmation of the specific debt as well as the right to dispute it under the federal Fair Debt Collection Practices Act. I have a right to receive that information and request it in writing and review all the charges. 

Cedars Business Services , LLC did not : - Provide a breakdown of fees including all collection costs and medical charges or an itemized bill with a description of every single charge. They did not provide specific services received and the charges assigned to those services. 
-I requested an original invoice and receipt with my signature- They did not provide a copy of my signature with the provider of service to release my medical information. 
-Five years for the bill has passed, and XXXX XXXX XXXX this debt to Cedars Business Collection Service trying to collect profit. The date of the bill is XXXX. The statute of limitation for this collection has passed. 

I am demanding a cease on the collection of the following amount owed. 
1. {$900.00} or {$1200.00} for an unknown service

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-06
Company: MRS BPO, LLC
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
On XX/XX/2019 I received a letter from MRS BPO regarding a debt to XXXX which I do not believe I owe. I responded, in writing, on XX/XX/XXXX to dispute the debt and to request that MRS BPO cease phoning me and communicate with me only in writing. To date I have received no written response or documentation to validate the debt or respond to my dispute but MRS BPO continues to make multiple calls to my cell phone.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-22
Company: JPMORGAN CHASE & CO.
State: MA
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: Problem with personal statement of dispute

Complaint:
I tried to resolved this and many accounts with chase bank several times please see attache documents that you can clearly see i had a judgement against Chase Bank for and incorrect statement. chase had to pay me the consumer. remove the balance on the account to XXXX  back in XXXX, XXXX. By thier own Attorney XXXX XXXX and thier agreement signed. 

I tired to get a gredit card in XXXX of XXXX with XXXX rewards, and chase refused, so I could not be apart of the rewards of XXXX. because chase hold that card. 

I tried save myself XXXX on an order, with XXXX and Chase holds that card. so I could not get that card either. the credit application was returned in 3 seconds flat and the name Chase was returned on the scree. it was very clear to me this is not due to my credit is because chase bank is hold a grudge against me for the judgment in XX/XX/XXXX,  if they paid the insurance policy thsi would not have been a problem please see attached documents. all trade lines were to be removed in XXXX, XXXX againts all socials attached credit card. according chase XXXX in the executive office they are on my reports and derrotory statemens from XXXX not to do with an auto loan, or any other loan. auto loan was paid in 11 months. Chase is discrimination when I apply for any card they have, the consumer has no idea who holds the card until it returned and then they state to many cards applied. chase is destroying me this way too! I want chase bank to remove all the credit card applications applied remove for my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-23
Company: SYNCHRONY FINANCIAL
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
( SYNCB/BP  DC ) XX/XX/2019 XXXX, FL XXXX I arrived to a BP gas station in XXXX NY where I saw a advertisement on the pump saying " Receive 25 cents off per gallon. '' I went inside the store and asked the cashier for details on the card. All the representative said was " sign up '' handing me a pamphlet. I followed the details provided in it. A month later I received a hard Inquiry. I wanted the rewards. I was unaware that this was based off approval. 

I would truly appreciate help on this concerning matter as I am a lifetime customer at the gas station. 

Its my favorite gas.

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 2023-06-02
Company: Alliance CAS, LLC
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I have tried to pay my HOA fees and have been denied on numerous occasions and blocked from the website the community uses I have asked for a meeting with the board and never recieved a response. I have made numerous offers to pay down my fees to bring them current and I'm constantly denied but paperwork is being processed and I have yet to be summons to court for a hearing. I have also been in contact with XXXX XXXX i reached out a month ago with making a payment offer that he is going to see if the board will accept my offer to pay once again I'm waiting on a response but as of today XX/XX/23 I received a foreclosure letter out of no where when I've been waiting on response from the board with acceptance offer made a month a no one is giving me the fair chance to make payments snd actually explain what's going on or have I been able to be in a hearing to explain my hardship. All I would like to do is bring my assessments current and be caught up. The Hoa is using illegal practices against its home owners and using an attorney that doesn't identify himself as a debt collector.

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 2022-11-09
Company: CITIBANK, N.A.
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:
This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX and XXXX credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. As required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX and XXXX credit bureau shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in a my file at XXXX and XXXX are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the XXXX and XXXX shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX XXXX, XXXX, CA, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, CA, XXXX, XXXX, XXXX. XXXX Open Date XX/XX/2018 XXXX : {$0.00}

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 explanation
Consumer complaint received 2023-02-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX, XXXXXXXX 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 and 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 2023-02-17
Company: EQUIFAX, INC.
State: GA
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 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 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 response to consumer: Closed with explanation
Consumer complaint received 2023-06-02
Company: Aqua Finance, Inc.
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
My loan payments are due the XXXX of every month and for convenience I chose automatic payments. I finally read XXXX of my statements and realized the balance wasn't going down. Around XX/XX/XXXX I spoke to XXXX from Aqua Finance resolution department to discuss interest fees 13.99 %. I found out that out of the {$650.00} I pay every month only {$100.00} is being applied to the principal balance of {$47000.00}. I've had the loan since we started building our pool in XXXX. I spoke to XXXX about refinancing the loan and she said that it wasn't an option and that interest had accrued since before the pool build was completed. So it seems like I'm just paying back interest and the loan will never be paid back if only {$100.00} is being applied each month to the balance. I asked her if I could pay half {$320.00} twice a month and she sent me the link for Pay Near Me so I am able to do that. However, my husband began getting calls that we were behind on payments and they started charging a {$10.00} late fee. They said if they don't received full payment within 15 days they automatically charge the late fee, I was still making the total {$650.00} payment by the end of each month.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-09
Company: Paypal Holdings, Inc
State: IL
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 had previously filed a complaint for this matter under OMPLAINT ID XXXX. After several weeks, the company contacted me and informed me that the problems had been resolved and that I could now use my account without reservation or any restriction. However, when I attempted to use my account and utilize the funds in my account that had been frozen since XXXX, 2022, I was informed that my account is restricted. 

I contacted their customer service and was again informed that my account is restricted. They are now demanding access to my bank accounts to verify my identity even though I had previously sent them my state ID on multiple occasions. This company has now refused and failed to allow me access to my money since XX/XX/2022. This is truly unacceptable and should be investigated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-23
Company: ENCORE CAPITAL GROUP 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:
XXXX and XXXX in XXXX XXXX does not show I recently made settlement payment {$290.00} on XX/XX/19. On my XXXX XXXX account with MCM. The MCM   acct # XXXX making payment remarks of charged off/ bad debt were made. There is no payment status date last reported XXXX. 
Contact info on this is XXXX/ XXXX XXXX XXXX XXXX XXXX XXXX. / XXXX Im trying very hard to fix my credit please remove if at all possible. Please update to current

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-13
Company: Experian Information Solutions 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:
This is not my account. Please provide method of verification and original instrument of indebtedness. The binding agreement for the 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 2023-10-27
Company: Source Receivables Management LLC
State: FL
Product: Debt collection
Sub-product: Telecommunications debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Ive noticed a collection that doesnt belong to me on my report and already disputed with company who failed to correct the inaccuracies.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-06
Company: EQUIFAX, 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:
This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely corrected : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-14
Company: KEYCORP
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Bounced checks or returned payments

Complaint:
I recently deposited checks from my niece and nephew that didnt go thru because of something on the other banks end they started a thing where the person had to verify the checks first. We didnt know that and thought it was an issue with the balance so they wrote me smaller checks which subsequently bounced as well due to the new process that we werent aware of at the time. The fraud department got the case and decided to do an investigation feeling the checks were fraudulent because they say the signatures were the same. Meanwhile my niece and nephew both went to the bank with statements stating they wrote the checks. The fraud department now is stating the signatures on the letters dont match, but they say they signed them, end of story I have had this account for over 20 years all my money and bills are tied to this account deposits are coming in I cant access, my subscriptions are being canceled because the account is on hold. Now they want a notorized letter stating Im am the executor of my sister estate which is no problem, but why? That had nothing to do with the checks. If they chose they can verify funds if they decide to write another. But why do I have to bring this document when my deceased sisters name is no where on the checks? Who are they to tell a person they didnt sign when they said they did????? They have what they needed from them, they both went with ID and attested to signing the checks. WHAT MORE NEEDS TO SAID. This now starting to feel like discrimination because XXXX XXXX and I guess fraud is what we do but thats not the case here. Me, my niece, nephew are prepared to get legal representation to defend us from the prejudice, and refund of fees and losses that have resulted in my account being blocked this long. Multiple bills didnt get paid I racked up over {$1000.00} in late fees along with cancellation of accounts such as XXXX XXXX credit card late fees, etc. I would like to continue to do business with XXXX but it seems that XXXX XXXX XXXX  people are not welcome. I did nothing wrong. This whole process has felt discriminatory and XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-06-27
Company: Chime Financial Inc
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
Multiple disputes filed with my financial institution Chime for transactions that weren't authorized. Multiple times I have called to dispute unauthorized transactions on my account to only be told that the transactions were authorized a d I had lost the disputes. No information is provided how they determine the transactions were authorized. I can promise you they were not and I never recoup my funds.

Company response to consumer: Closed with explanation