BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-09-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
XXXX  and Transunion should not be reporting that I am ( 120 ) days late on the XXXX partial account numbers XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; and XXXX. First, all of these accounts report a {$0.00} balance and {$0.00} past due. Second, these accounts are currently being coded as an I5. These accounts should be coded as an I1. I have contacted the bureaus and have spoken to multiple representatives who have verbally stated to me they can not change the coding on these infractions. This is not true. I have spoken to my loan officer, as well as my lender, and it was confirmed that the coding on these items can be changed by the bureaus to report accurate information. I am not disputing any prior late payments however, these accounts are being reported as if I am past due in present day. Keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due. It is a violation of the Fair Credit Reporting Act to not report accurate coding. This false reporting of lates is seriously harming my credit score and all of these line items need to be removed from my credit report. I have contacted the bureau to remove these however, I have not been successful.

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 2022-12-29
Company: Block, Inc.
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
On XX/XX/XXXX a friend loaned me {$800.00} Since XXXX of XXXX  I have been banking with XXXX XXXX  and transferring funds to my debit card ending in XXXX On the XXXX I attempted to transfer the funds to the debit card that I have been using and they sent the funds to a debit card ending id XXXX Which is a card that was issued by the now defunct bank XXXX XXXX Square has refused to own up to their mistake and instucted me to go to XXXX and retreive the funds myself Now because of my persistence to resolve this issue they have blocked me from being able to communicate with them XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-21
Company: Home Point Financial Corporation
State: VA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I was financially impacted by COVID-19 and had trouble making mortgage payments. My mortgage servicer, Homepoint Financial, offered a forebearance and a subsequent HUD backed Partial Claim which deferred missed payments to the maturity of my mortgage.

Homepoint sent me the partial claim documents to get sign and get notarized. The first set of documents were inaccurate and included a former lien holder. The second set of documents were signed and notarized and sent back Homepoint. Homepoint rejected the documents because the notary seal was on the left side of the page instead of the right. Homepoint sent me a third set of documents and I returned those as well. Homepoint rejected these documents and stated the state of Indiana was crossed out without initialing by notary. As an attorney, I requested the notary to initial and he did. Homepoint will not provide customers copies of the mortgage documents they provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-29
Company: EQUIFAX, INC.
State: NY
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:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS, I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTAGATION RESULTS. ITS HAS NOW BEEN OVER 30DAYS, I FILED A METHOD OF VERIFICATION TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE NOT YET TO RECEIVE ANY REPONSE. 

INTIAL DISPUTE XX/XX/2020

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-29
Company: Regional Management Corporation
State: SC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I disputed the debt online with XXXX  XX/XX/2019. 

I checked my credit today and reported it again through XXXX. I have no acknowledgment of this debt. Ive never received any information about it. Ive never opened an account through this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
Creditor : XXXX XXXX XXXX  XXXX, Account : XXXX Reason : Delete this unverified and inaccurate account Creditor : XXXX XXXX XXXX XXXX, Account : XXXX Reason : Delete this unverified and inaccurate account Creditor : XXXX, Account : XXXX Reason : Delete this unverified and inaccurate account Creditor : XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ), Account : XXXX Reason : Delete this unverified and inaccurate 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 non-monetary relief
Consumer complaint received 2022-10-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
See attached. 
According to the FCRA website, Willful FCRA violations : Legally speaking, a willful FCRA violation must have been committed knowingly and recklessly. Plaintiffs in these cases may receive actual or statutory damages ranging from {$100.00} to {$1000.00} per violation, in addition to punitive damages determined by the courts. According to 15 U.S. Code section 1681c-2, Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of aconsumer that theconsumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency ofappropriate proof of the identity of the consumer ; a copy of an identity theft report ; the identification of such information by the consumer ; and a statement by the consumer that the information is not information relating to any transaction by the consumer.

I have provided all four necessary documents over four business days ago and still these reporting agencies have failed to uphold my rights as a consumer by deleting these accounts. These consumer reporting agencies are violating my rights every day over the 4 business days they are given by the law to resolve this alleged identity theft. As of today they are violating my rights for 4 business days.

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 2023-01-25
Company: Genesis FS Card Services, Inc.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I previously had a credit care with CB Indigo. This account was closed and paid in full XX/XX/2022. I received notice today the account is reopened with a balance. I have attempted to contact the company without resolve. This is fraudulent activity I would like removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-10
Company: Upstart Holdings, Inc.
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
I requested for a hardship modification with upstart almost 3 weeks almost month ago I have not heard anything back from them and they keep saying they're going to get back to me and that's not happening this may cause negative credit reporting. 

I previously submitted for a hardship program same information nothing 's changed it was done rather quickly

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-17
Company: Paypal Holdings, Inc
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem with additional add-on products or services

Complaint:
I open a paypal account to make a donation. I closed the account? I keep getting statements from pay pal showing the account is open and active .I follow the steps to close the account. Now after closing the account the web site keep telling me they have a problem on their end and I can't close the account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-05
Company: Google Compare Credit Cards Inc.
State: WA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
On XX/XX/2023 at XXXX XXXX  I made a purchase of XXXX in XXXX XXXX. 

I had a Google Play balance from a gift card of XXXX. 

When you have insufficient GP balance it shows the GP balance and the card you have chosen. ( If you click through to the payment menu it will show the box is check marked. If this box is unchecked the GP balance will no longer show on the payment confirmation screen. ) Exceptions with this are when the card transaction will be under a certain dollar amount ( I believe it's {$1.00} but could be {$5.00}. Definitely is not as high as nearly XXXX as was needed to complete this transaction. ) I completed the transaction believing everything was fine. Upon reviewing my accounts later I discovered they had charged the full amount to my card. 

When I complained ( at about XXXX the following day ) they asked me if I checked the box. And while I noted that it acted as it always did when the box was check, i did not double check the box was checked. ( Which is part of the CONFIRMATION screen, and XXXX tap purchase. Its not exactly one tap if you have to double check the payments selected are actually selected ) had I not had the box checked, the dollar amount would not show on the confirmation screen. Which I confirmed that it still works this way with screen shots to the tech. 

Tech then said there was nothing they could do since it's not their error but organize a refund with the App and that they'd help negotiate it but that it was up to the app. Well. This app DOES NOT do refunds. They certainly would not do a refund for their PAYMENT PROCESSORS error.

Google refused to do anything stating to click the box is the future. A : there is no way to click the box any harder B : there has never been an issue with this type of payment split in the past. 

The tech implying it was my fault is an egregious breach of trust. Especially with the context that I HAVE made this error in the past which is why I KNOW it was not mine now. While I don't double check the second screen, I know how their payment feature works. I have made much smaller charges in the past in the same manner. This is the first time I made a big one. 
To list something as if they're going to charge and then not charge it because I didn't click through ( on a 1 tap buy screen ) just to double check seems to be an extremely shady, if not edging on illegal, practice. ( Pretty sure charging an amount one did not agree to and then refusing to fix it is theft but I could be wrong as I have not dug in to those particulars. ) I am attaching the screenshots I provided to Google with payment types blacked out. As noted I have successfully split payments before, and to be specific, I have done so with this particular merchant. 

I do have the chat log but it would take too long to sanitize at the moment and I'd prefer to sanitize before I share.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-14
Company: JPMORGAN CHASE & CO.
State: AZ
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:
I have 12 hard inquiries according to XXXX XXXX by CHASE CARD ( XXXX, DE ) spanning the last two years. I've never had an account, credit card or any affiliation with Chase whatsoever. I called their customer service line and they have zero record of my name and/or social. The hard inquiries are from the following dates. XX/XX/XXXX, XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX,XX/XX/XXXX. I need these off my credit report, please help. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-21
Company: Aldous & Associates, PLLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Up until a week ago, I was informed of a {$240.00} balance under XXXX XXXX which has turned into a debt collection. I was never emailed, called, or spoken to directly by XXXX XXXX. I have not attended XXXX XXXX within the past three years nor did I sign up for a contract, it was a month-to-month cancel-free subscription which I canceled in 2019.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-10
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: Their investigation did not fix an error on your report

Complaint:
Credit bureau is reporting a bankruptcy on my credit report. I disputed with Credit bureau only to get a generic response that they investigated and the company reporting the information verified that the information was correct. I contacted the company which was the bankruptcy court that the credit bureau provided. I receivable Lester from them stating they dont deal with the credit bureaus or report any information to them. I sent this letter disputing the information again only to get the same generic letter back stating theY investigated and the company ( bankruptcy court ) verified to them the information was accurate which is false. This company is reporting g false information and I want it removed from my credit report because it is hindering me from a job promotion. My next step will be legal council unless this credit bureau company provides me with the names of whom they spoke with to verify this information so that I may pursue it further.

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 2023-02-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
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:
You Bank OF America have pulled my credit report on XX/XX/23 and have denied me credit which is a violation according to FCRA.

You are in violation of : 12 CFR 1002 : equal credit opportunity act 15 US Code 1642 : issuance of credit cards 15 US Code 1681m : requirements on users of consumer reports.

Thats a {$1000.00} for each violation. I am requesting your company to please reconsider my application for approval. 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 2018-08-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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 XXXX XXXX XXXX original debt XXXX. I was never notified of this debt. This debt occurred on an emergency room visit regarding my son. The insurance holder for him is my ex wife through her new husbands policy. They never notified me of this debt and my ex wife was able to get this put under my social because she knows it by heart. I have settled this debt for XXXX and it was supposed to be removed from my report due to the false circumstances and lack of notification on behalf of the original creditor and my ex wife. For some reason it still appears on my report with an open balance of 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 explanation
Consumer complaint received 2020-11-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 status incorrect

Complaint:
XXXX - showing late 7 times - i was late twice due to loan mod target - fraud charges - won class action - wont take it off XXXX XXXX - wont up date as paying only owe XXXX XXXX shows not paid - i paid in full

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 2020-09-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
XXXX  ; XXXX  and Transunion should not be reporting that I am ( 90 ) days late on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a XXXX dollar balance. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. This false reporting of late is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.

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 2023-05-23
Company: Experian Information Solutions 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. 

XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX  RXXXX XXXX XXXX XXXX XXXXXXXX, 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 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