BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-24
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:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts, or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA XXXX and TransUnion are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX  XXXX  XXXX XXXX, TX XXXX XXXX XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX  XXXX  XX/XX/2022 ; If XXXX and TransUnion feel there is a possibility XXXX items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each item is 100 % true, accurate, correct, complete & VERIFIABLE ). If XXXX and TransUnion do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-17
Company: SYNCHRONY FINANCIAL
State: WA
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:
On XX/XX/XXXX I mailed a certified letter to Synchrony bank, they signed for the letter on XX/XX/XXXX. In that letter I requested validation, made pursuant to the Fair Debt Cololection Practices Act and the Fair Credit Reporting Act, that is competent evidence bearing my signature showing that I have ( or ever had ) some contractual obligation to pay them. 
On XX/XX/XXXX they responded with a generic letter that did not contain my signature or any form of a contract with them. 31 days after they signed for the first letter I sent them, they did not mark my account on any Credit Bureau as disputed. 
On XX/XX/XXXX I sent a letter stating that they have violated the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) and/or the Fair Debt Collection Practices Section 807 ( 8 ) by not placing the disclosure within the required 30-day period. 
I have evidence of their violations such as, the original letters that I sent, time stamped credit reports, their responses as well as documentation provided by the USPS showing when they received each letter from me.

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 2015-10-01
Company: The CBE Group, Inc.
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I recieve 2-4 every single day for months and can not get them to stop. A message is never left and I have never received letter or any kind of mail from them. I am certain I do not owe any unpaid debts.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-07
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:
I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2022

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 2023-04-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
15 USC 1681 Section 602 : States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an 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 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 2023-08-10
Company: Experian Information Solutions Inc.
State: CA
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 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, have 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.

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 2021-12-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OR
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
I applied for a credit card that was declined for a prior delinquency that I never knew existed. I sent written communication about my issue, and they just sent the same notification back with no new information, so I filed a complaint. After filing the complaint, I was contacted by a representative who informed me that I had charged off a business credit card account with them. 

It turns out that on the day that I closed my business account in XX/XX/2020, another purchase posted to my account from a XXXX subscription. I could no longer access my online banking at that time because B of A removes it from your login once you close the account, and so I never saw that I had a bill due. I never received a statement in the mail either. So I never knew this charge existed. 

I called the recovery department, who said they could not waive the fees and interest and let me pay off the single charge from XXXX, so I asked ot talk to a specialist. The specialist asked for the business address, and when I gave it to her, she said it was incorrect. So that means B of A had the wrong address on file for the business, which further proves that I could not receive any of these statements. 

On that call after she would not agree I had given the correct address, she goes " one sec ... '' and then transferred me to an international commercial credit rep who had no idea what was going on or how to help me. Basically this woman refused to help me and just sent me down another IVR rabbit hole. HORRIBLE CUSTOMER SERVICE. 

This was a fluke timing issue where they posted a transaction after my account was closed and never told me about it. I just want to pay for that transaction and move on. There is no way I am paying months of interest and fees on a transaction that I never knew about. I have never missed a payment in my entire life on any card from any lender, and you can see that on my credit report that was pulled for my recent card application.

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 2023-06-01
Company: Block, Inc.
State: MI
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
I am writing to notify you regarding a problem I am experiencing with cash app. the recent transactions made on your platform from my account. The deal was presented to me as a chance to invest {$500.00} and receive a return of {$5000.00}, which sounded too good to be true. However, as I proceeded with the investment, I discovered that the entire scheme was a scam. 
The individuals behind the deal constantly requested me to send money to other people, claiming it was a fee or taxes. They also promised that I would receive more money, but there was always another payment required before I could receive my funds. To make matters worse, there were two different girls involved in the scam, which only added to my confusion.As a trusted and reputable financial platform, I expect Cash App to take responsibility for the fraudulent activity that has occurred through your platform and to assist in resolving this matter. I believe that it is imperative for Cash App to implement stronger security measures to prevent similar incidents from happening in the future. 
My attempts to make the payment to receive my money backfired, and I ended up being scammed even further. This situation put me behind financially in a major way, and I have been struggling to recover ever since. 
I have made complaints to Cash App and attempted to ask for refunds from the individuals to whom I was instructed to send money. Unfortunately, all my attempts have been declined, leaving me feeling helpless and at a loss for what to do next. 
I believe that Cash App failed to perform due diligence and anti-money laundering ( AML ) procedures, which allowed fraudsters to steal my funds. As a cryptocurrency exchange operating in the United States, Cash App is subject to various regulations and guidelines aimed at protecting consumers and preventing illicit activity. 
The US government requires cryptocurrency exchanges to comply with the Bank Secrecy Act ( BSA ) and its implementing regulations, including the Anti-Money Laundering ( AML ) program and Customer Identification Program ( CIP ) rules. These regulations require cryptocurrency exchanges to implement strict know-your-customer ( KYC ) procedures, report suspicious activity, and maintain records of all transactions. 
Additionally, the Financial Crimes Enforcement Network ( FinCEN ) has issued guidance stating that cryptocurrency exchanges are considered money services businesses ( MSBs ) and must comply with BSA requirements. FinCEN also requires cryptocurrency exchanges to register as MSBs and implement AML programs to prevent money laundering and terrorist financing.

I would appreciate a prompt resolution of this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
XXXX XXXX and myself have sent the credit bureaus a letter on XX/XX/2018 stating that this should not have been reported as a Charge Off but as a closed fully paid account, XXXX XXXX has followed up with me that they did send a copy of said letter to the credit bureaus. I however have not been able to get this removed from my credit report. I had stellar credit with 100 % on time payments, a substantial credit line available, and no derogatory remarks on my report. This error, has brought my credit from an A status to a current C status. I need this Charge OFF removed from my credit report since the credit bureaus are not acting accordingly with The Fair Credit Reporting Act, which entitles me to a reasonable investigation whenever a consumer disputes information on their credit report. XXXX XXXX asked the credit bureaus to remove the previously reported charge off status by them and report that my account was paid in full. I have not been successful in getting this removed from my credit report.

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 2021-12-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I HAVE FRAUDULENT ACCOUNTS LISTED ON MY CONSUMER CREDIT REPORT AND I HAVE NEVER OPENED THESE ACCOUNTS NOR SIGNED FOR THEM. MY INFORMATION WAS USED IN A DATA BREACH BECAUSE I HAVE NO BUSINESS WITH THESE COMPANIES. 

PLEASE HAVE THESE ITEMS REMOVED FROM MY FILE.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-15
Company: Rocket Mortgage, LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I am XXXX XXXX XXXX and a XXXX survivor ( XXXX ). Based on my prognosis, I decided to take my life 's savings to make a down payment on a condo with me as the applicant and my son the co-applicant. We used Quicken Loans. On XX/XX/XXXX via email I informed the salesman, aka " Executive Purchase Banker '' XXXX XXXX that his colleague told me I did not have to have my home owner 's insurance ( or property tax ) escrowed with Quicken, and I did not want to do this. XXXX called me up. I was tired, and he told me he would have to charge me more money at closing if I did not do this. The issues here are lack of full disclosure and coercion. 
On XX/XX/XXXX Quicken Loans sent me an email saying they had paid my property taxes : {$1500.00}. This was too low, so I called Quicken Loans and the agent told me they were right and I was wrong, and unless I got something in writing from the Tax Collector, Quicken Loans would not do anything. ( If I had taken her word for it, our home would have gone into foreclosure. ) I contacted the XXXX XXXX Tax Collectors office via email and they responded that my taxes were {$1900.00}, and had not been paid. I faxed a copy of the email along with a copy from the page from XXXX to Quicken Loans. Evidently they had sent the money to pay someone's else 's taxes. A XXXX XXXX said they were in the process of getting my money back from XXXX XXXX County, and supposedly also sent the {$1900.00} from my account. ( So here is now no money left in my escrow account. ) I looked on the XXXX   site and my taxes still were not paid and the {$1500.00} is still missing. Another customer service rep named XXXX told me they were " still working '' on getting my money back. She also said Quicken Loans does not pay my taxes, they have another company do it and that company mails a check to the tax collector, which may not cash the check for several weeks. I told XXXX XXXX, I do not want to escrow either insurance or taxes with Quicken Loans anymore, and she told me that I had to for 12 months, but this is not what paragraph 3 of my mortgage contract says. It says the Lender can release me from this obligation anytime. This is fraud. I asked XXXX XXXX the name of their attorney. XXXX XXXX responded that she is busy " researching '' and will get back to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-09
Company: EQUIFAX, 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 sent a letter on XX/XX/22 to Equifax and XXXX to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) Equifax and XXXX are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX and XXXX & I am including it again., XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXXXXXX, PA XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX, PA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-09
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CO
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
In review of my major CRA credit reports, I discovered XXXX XXXX XXXX ) collection accounts claimed by Portfolio Recovery Associates for delinquent credit card debt that should have been expunged from CRA reports no later than last year due to the " 7-1/2 year '' rule. In each instance, the collection agency " re-aged '' the debt to establish a new Date of Delinquency, obviously coinciding with the actual assumption date.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-15
Company: Bread Financial Holdings, Inc.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
XXXX XXXX keeps calling me repeatedly and also from unknown numbers to try to contact a person who does not live here. It is my sister-in-law who lives in another state. I have asked repeatedly to stop calling me and they will not. They call multiple times a day. It started the week of XX/XX/2018 and they have called today, XX/XX/2018, 5 times and 3 of the times were within 1 hour of each other. I have called and spoke to XXXX directly and 1 live person who actually called asking for my number to be removed as I am not that person and that person does not live here, never has, never will. They said okay and after called yet again, XX/XX/2018 at XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-02
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting 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:
XXXX XXXXXXXX XXXX ( I NEVER HAD LATE PAYMENTS ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( I NEVER HAD LATE PAYMENTS ) XXXXXXXX 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 explanation
Consumer complaint received 2022-10-24
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:
This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Please produce the contract used to verify these accounts because I have none with them and the information you have is inaccurate. Additionally, I called the furnishers and they don't have any proof the accounts belong to me. They realized they reported the wrong information to my file and agreed to remove it. Please remove them instantly! 

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 2023-08-07
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: Information belongs to someone else

Complaint:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX, FLXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/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