BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-07-21
Company: FIFTH THIRD FINANCIAL CORPORATION
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I would like to file a complaint and add Documentation of promises, guarantees, commitments, contracts and more I feel pertinent to my resolve against Fifth Third Bank. The Bank showed to my credit card account XXXX on XX/XX/XXXX the amount {$12000.00}. The charge was paid to XXXX XXXX   XXXX XXXX for XXXX XXXX Dollars and XXXX XXXX XXXX for XXXX XXXX XXXX XXXX XXXX XXXX Dollars. I would like evidence of their efforts in coming to a resolve to my concern. I would like evidence of how the bank applied Consumer Protection in my behalf. I have other banks which have been successful to satisfy my resolve by back charging the merchant to One Hundred Percent Satisfaction. A question I would like answered is Why Can't Fifth Third Bank Resolve My Concern? The bank can back charge the merchant five hundred forty days which Sundays and Holidays could be additional time if left out. Question : Did the bank try to respond to my concern in back charging the merchant within the allotted time? I made my complaint on XX/XX/XXXX which was in the time allowable to back charge the merchant. The bank may say they only go by bank policy which may be sixty or ninety days. Banks many times don't like to admit there is a merchant back charge opportunity to five hundred forty days but when confronted to fact they often times admit it does exist and they could back charge the merchant. The Bank also advertises They as Fifth Third Bank is sixty six point six times better than any other bank. How is that true? Question is, did they back charge the merchant? How much effort was applied to back charge the merchant? What evidence can the Bank provide me as proof?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-08
Company: EQUIFAX, 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:
I submitted a letter to the 3 Credit Bureaus on XX/XX/2022, to correct this suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. 
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 response to consumer: Closed with explanation
Consumer complaint received 2019-09-11
Company: Experian Information Solutions 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:
XX/XX/2019 I disputed 2 accounts that were on my credit report. 

I asked for method of verification on how they they verified the accounts. All I got back was a letter saying that the accounts had been verified and they were staying on 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 2020-09-20
Company: Stern Recovery Services, 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:
Pulled my credit report and seen an account that does not belong to me. I believe this an act of fraud and will need the fraudulent account removed. This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). 
accounts : XXXX XXXX XXXX # XXXX, STERN RECOVERY SERVICES # XXXX, STERN RECOVERY SERVICES # 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 explanation
Consumer complaint received 2023-05-21
Company: Experian Information Solutions Inc.
State: OH
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:
I HAVE PREVIOUSLY DISPUTED Account XXXX an alleged bankruptcy WITH YOU. AND IN RESPONSE. YOU VERIFIED THE ITEM AS ACCURATE, STATING THAT YOU HAVE VERIFIED THE INFORMATION WITH THE COURT. 
I CONTACTED THE COURT. AND THEIR RESPONSE IS ENCLOSED. 
IT IS CLEAR THEY DO NOT REPORT TO YOU OR ANY CREDIT BUREAU FOR THAT MATTER ; THEREFORE. YOUR INITIAL RESPONSE VERIFYING THE ITEM WITH THE COURT WAS EITHER AN ERROR OR A LIE. 
EITHER WAY. THE REPORTING REQUIREMENTS DO NOT COMPLY WITH FCRA 611 ( 15 U.S.C. 1681I ). AND THE INFORMATION MUST BE DELETED IMMEDIATELY.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-02
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My credit report contains information that is incorrect. It is your responsibility to accurately inform them about the information they require. Please undertake investigations and updates on these accounts and queries, or I will pursue legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-07
Company: ENCORE CAPITAL GROUP INC.
State: TN
Product: Debt collection
Sub-product: Credit card
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Received a notice in a name similar to mine that I owed {$290.00} to XXXX XXXX XXXX XXXX. I have no outstanding or late debts and am not familiar with this debtor. Company that issued the letter has many XXXX complaints and according to internet posts harasses people. I tried to call them and report the error, but they only accepted calls from XXXX other states. I think this is a scam to extort money from XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I submitted a letter to Transunion dated XX/XX/2022, to update this suspicious information. I think you have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT XXXX, and I'm including it again. 

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 2021-07-16
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:
My rights of privacy have been damaged and breached by this bureau which may be a direct violation of federal law. This bureau is additionally in infringement of federal law by detailing inaccurate accounts on their site without my authorization. This bureau is detailing incorrect data on their site and concurring to the federal law, it is the bureau 's GRAVE Duty to guarantee reasonableness, unbiasedness, and a regard for the consumer 's right to privacy. Their carelessness has caused me trouble and I'm seeking litigation.

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 2023-05-29
Company: Mr. Cooper Group Inc.
State: OK
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Please see the attached complaint. Nationstar refuses to remove unearned fee charges, inaccurate payment allocation toward late fees, and refuses to fully credit the loan 's partially allocated interest payment. Leaving me with false charges of completed foreclosure by unperformed services, false charges for overlapping force-placed insurance after wiring XXXX  a full year of active homeowners insurance 4 months earlier in full violation of 1024.37g and XXXX2 USC 2607- Nationstar 's current counsel has presented a false narrative and background for 7 years and 7 mos. trying to shield Mr. Cooper from liability, and has never discussed these matters or explained why they knew of mandatory charge removal over 8 years and have not done so. I asked for proof of services on XX/XX/XXXX and XX/XX/XXXX from Mr. Cooper and they ignored the request. I asked again for proof of services from the law firm representing Mr. Cooper in XXXX on XX/XX/XXXX by faxed request and the counsel there refused to produce even a single document claiming there were no documents because the home sold and was not foreclosed, knowing she was being recorded on this phone call. There is a XX/XX/XXXX hearing date to determine whether I can seek damages for leaving inaccurate damaging information in my mortgage file without performing the mandated removal of false charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
Please refer to complaint # XXXX-XXXX. It was corrected all of 10 ten days ago and they have XXXX  IT UP AGAIN!!! TransUnion is the only one of the three agencies that I continuously have this problem with. There has to be repercussions that are imposed on them or they will continue to XXXX with peoples lives.

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 2023-05-21
Company: Experian Information Solutions Inc.
State: LA
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 Account XXXX XXXX XXXX XXXX XXXX, Account XXXX XXXX XXXX XXXX XXXX, Account XXXX XXXX XXXX XXXX, Account XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have a few accounts on my credit reports that belong to a company and not me personally as an employee. Seems the reporting Agency is reporting them to my personal credit report as a charge off. These loans never showed up on my credit before but now a charge off is there after years. 

I seem to also have a XXXX account and a couple XXXX  XXXX credit cards that I never opened or knew about. I think they were opened by my dad who I havent seen since 1983 when he left me at XXXX years old to never see him again. He has the same name as I do. 

Lastly I have a XXXX utility bill That was in my Exs name. Even though I didnt live at the home with her while the costs were ran up The utility says since she listed me as there it means I am responseable for it

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 2020-10-20
Company: SYNCHRONY FINANCIAL
State: TN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
On XX/XX/XXXX, I attempted to purchase a new cell phone on line. The transaction was denied and my credit card was blocked. I spoke to Synchrony Bank, who issued the credit card, at least 2 times, on the XXXX and the XXXX. First, they could not tell me why they blocked the transaction, only that it " appeared fraudulent ''. Second, i had purchased two items in XX/XX/XXXX, both of which were substantially more money than the phone, and neither of those transactions were denied, nor was my account blocked. I suspect that this transaction was denied and my credit card blocked BECAUSE the transaction was for a cell phone, and not because there was anything suspicious about the transaction. I have monthly automatic payments going to this credit card, including some medical, which are now in jeopardy. Synchrony told me I had two options -- 1. To reply to a text message
where I would have to send ( over an unsecured cell phone ) a front facing video of my face, a photo of the front and back of my driver 's license, and a moving video of my face ( there were 4 steps to this text message ). OR 2. wait 7 - 10 days for a letter to be mailed to me that I could reply to. When you use step 1., you give
Synchrony automatic approval to collect biometric identifiers about yourself. This is also not acceptable to me.

I do not want a photo of myself or my driver 's license on the internet. That would seem to encourage identity theft, not discourage it.

A manager spoke to me and asked me for my email account. I gave it to her, and she said that account was listed in someone else 's name. Well, that is strange, because when I pay my credit card bill, I get emails from Synchrony to the email address that I gave the manager. The manager also told me that she could not get into my credit card account because it was blocked. Why is that? If Synchrony blocked the account, why couldn't a Synchrony manager get into the account. I asked that she transfer me to someone at a higher rank than she was, but she would not do so. She kept saying that I would have to use one of the 2 options above. I did try responding to the text message though. But my cell phone
was so old, it would not respond to the 4th step requesting the moving video of my face, etc. So I could not comply with this. I had the Synchrony manager on the phone with me when I tried to respond to the text message.

Neither of these options is acceptable to me. I pay my account in full every month and expect better service than this.

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 2022-01-06
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: Was not notified of investigation status or results

Complaint:
On XX/XX/XXXX I sent a letter stating inaccurate and unknown things on my credit report to this day over 60 days later. I have not received a response yet. I feel like I'm being ignored of my disputes nothing is happening. XXXX XXXX credit can't even provide me with an explanation of why they reported anything late. they can't even find the file they said it was too old and erased from their system. I never missed a payment at all. It states in Section 611 ( a ), in clear sight that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 60 days and still no word so by law they should be deleted as soon as possible. I demand these accounts to be deleted immediately if not I will file a litigation due to the stress that's have been caused. I believe my info was impacted by the XXXX data breach and could've gotten into the wrong hands. 

The date opened is different from the other bureaus, the high credit limit is inaccurate, the last reported date is inaccurate and the last active date is XX/XX/XXXX on XXXX which is obviously 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 2018-05-16
Company: COAST PROFESSIONAL INC
State: ID
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I RECEIVED A LETTER FROM COAST PROFESSIONAL INC STATING THAT THEY ARE GOING TO GARNISH MY WAGES FOR MY STUDENT LOAN DEBT. I HAVE NOT RECEIVED ANYTHING FROM THIS COMPANY BEFORE AND THEY ARE NOT WILLING TO TAKE A PAYMENT PLAN FROM ME. AND NOW I HAVE 2 WEEKS BEFORE THEY GARNISH ME.

IF THIS HAPPENS THAT WOULD PUT ME OUT IN THE STREET I WOULD LOSE MY HOSE BUT THEY DONT SEEM TO CARE.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-21
Company: Experian Information Solutions 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:
This letter serves as a formal complaint that you are reporting inaccurate and incomplete formation on my credit report. The notation of the following late payment is inaccurate. Please investigate and verify that all data for this account is reporting accurately including every notation date and balance whether reported or not. 

XXXXXXXX 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 explanation
Consumer complaint received 2021-07-06
Company: Mercedes Benz Financial Services
State: CT
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 these inquiries that does bot belong to me and i want them to be remove from my credit report. 

XXXX 1. Identity Theft XXXX  Account Number : XX/XX/XXXX This is not mine. 

2. Identity Theft MB FIN SVCS Account Number : XX/XX/XXXX This is not mine. 

3. Identity Theft XXXX  Account Number : XX/XX/XXXX This is not mine. 

XXXX 1. Identity Theft XXXX XXXX Bank Account Number : XX/XX/XXXX This is not mine. 

2. Identity Theft XXXX XXXX XXXX Account Number : XX/XX/XXXX This is not mine. 

3. Identity Theft XXXX XXXX. 
Account Number : XX/XX/XXXX This is not mine. 

4. Identity Theft XXXX XXXX XXXX Account Number : XX/XX/XXXX This is not mine. 

5. Identity Theft XXXX XXXX Account Number : XX/XX/XXXX This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-18
Company: EQUIFAX, INC.
State: VA
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 did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-21
Company: Experian Information Solutions Inc.
State: ND
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
There is incorrect personal information on my credit reports specifically an address that I have never lived at nor have any knowledge of. There is also accounts affecting my credit that do not belong to me, the address attached to a few credit cards with outstanding balances that are not mine nor have any knowledge of. I was incarcerated from XX/XX/XXXX to XX/XX/XXXX so there is no way these accounts belong to me. 
XXXX XXXX  act # XXXX Balance amount {$2300.00} Date opened XX/XX/XXXX XXXX XXXX act # XXXX Balance amount {$920.00} Date opened XX/XX/XXXX XXXX  XXXX XXXX  act # XXXX Balance amount {$1000.00} Date opened XX/XX/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 2015-08-13
Company: Shellpoint Partners, LLC
State: AZ
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Credit decision / Underwriting

Complaint:
filed s previous complaint # XXXX Shellpoint Mortgage Serviving. 
Shellpoint responded explaining what they could do and how shellpoint sent me an authorization to sign then they responded laying out what they would do. 
They did nothing the credit agencies reported for XXXX day and removedany thing to do with Shellpoint. Shellpoint is messing with our lives ourcredit reports this is causing a rollercoaster with our creditscores.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-18
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

Company response to consumer: Closed with non-monetary relief