BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-12-12
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 sent letters to the credit bureaus because I have inaccurate information on it, accounts that I already paid showing delinquent, accounts that are not delinquent showing like it is, inquiries I didn't authorized on my credit report. I credit score. want to open an investigation and solve my problem because is affecting my Credit Score.

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 2022-01-07
Company: EQUIFAX, INC.
State: IL
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 complaint is to XXXX, XXXX, Equifax. They claim they verified all information with furnisher who is XXXX XXXX. I call about complaint because CFPB said they needed more information. Called XXXX the person on the phone couldn't find any info on complaint as per XXXX,. I gave them this number and they pretended to not know what i was talking about.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-06
Company: ENCORE CAPITAL GROUP INC.
State: IL
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:
XX/XX/2019 amount due is XXXX i have filed an identity theft report at identitytheft.org

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-09
Company: WELLS FARGO & COMPANY
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Paid off both of my Mortgage and HLOC accounts with Wells Fargo on XX/XX/21 and was hit with absorbent fees on the payoff. I refinanced with XXXX XXXX  XXXX at that time. Wells Fargo charged much more on the payoff than was expected which I then had to finance more with XXXX. 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 2023-05-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items : XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-05-09
Company: FIRST INTERSTATE BANCSYSTEM, INC.
State: MT
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 sent many Disputes to XXXX concerning an account with First Interstate Bank, First Interstate Bank has always verified information about this account. I have contacted First Interstate State Bank to request a Payment History and First Interstate Bank was unable to provide a Payment History for this Account, they could not find the account. The account information is taken from an XXXX credit report dated XX/XX/XXXX, XXXX Confirmation number is XXXX. The account number in question is XXXX from FIBANK XXXX XXXX XXXX XXXX  MT XXXX : XXXX. 
According to the report from XXXX the account was opened XX/XX/XXXX. The Terms Duration is left blank with no information ( Error 1 ). Months Revd is 99 This is incorrect ( Error 2 ). Amount Past Due is left blank ( Error 3 ). Actual Payment amount is left Blank - incomplete ( Error 4 ). Scheduled Payment Amount left blank inaccurate ( Error 5 ). Date of last activity was XX/XX/XXXX, Date of Last Payment was XX/XX/XXXX how can you have a payment after what is supposed to be the last activity a month later - incorrect information ( Error 6 ). This account was opened from XX/XX/XXXX with the last payment showing as XX/XX/XXXX. How can an account that was open 4 years and 1 month have a reported Account History with only 2 months - XX/XX/XXXX and XX/XX/XXXX showing ( Error 7 ). By law FCRA, Section 609 and 611, First Interstate Bank and XXXX are required to report information accurately. Information is incorrect, missing, inaccurate from both companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-09
Company: Collection Bureau of the Hudson Valley, 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: Problem with personal statement of dispute

Complaint:
after i filled a cfpd complaint # XXXX Your statement said that the account was closed and removed from my credit report yet it is still appearing on my credit report. please remove all negative remarks from my credit your statemtn said it was removed from my report in year 2021 thats two years ago and yet it still appears on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-09
Company: CL Holdings LLC
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX XXXX I do not have a contract with this company. XXXX is not from original creditor. I have never heard of this company

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
You are in direct violation of the fair credit reporting act XXXX  XXXX XXXX has violated several of my rights.

15 U.S.C 1681 sec 602 A. Clearly states that I have a right to privacy.

15 U.S.C 1681 sec 602 A. Also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1666B. A creditor may not treat a payment on a credit card account under a open-end consumer credit plan as a late for any purpose.

Remove these late payment and update this account immediately as you are in direct violation of several laws under the fair credit reporting act.

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 2023-05-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Problem with personal statement of dispute

Complaint:
i have appealed my credit report to the credit report agencies for numbers of despute. Bi law credit collectors must notify me bi either phone or bi telephone and assumption of notification does not validate contact. yet after providing portfolio recovery with a court document stating that at the time of purchase the letter they mailed to the po box one of the addresses in my credit report i no longer had access to the box as i was in prison arrested on XX/XX/XXXX XXXX as shown on the court disposition i provided. Also to further validate that communacation was not made there is a felony conviction on my credit report that showed i was in prison on XXXX XXXX. Arrested on XX/XX/XXXX sentenced on XX/XX/XXXX no communication was mad to any correctional facility and that is not my responsibility it was the responsibility of the debt collector as they assume all responsibily. this XXXXne reason of violation of consumer rights they also violated consumer rights as i recquested every sigle detail on my debt as payments contract as i never have entered into debt with XXXX XXXX so i am entitled bi law to review for inspection every single detail of that debt includint and not limit to binding contract and payment history and amount the only thing fowarded bi XXXX XXXX was a piece of paper with my name a few dates and a letter stateing they purchased the debt in a time i was incarsarated and the address is not where i lived. these three violation of consumer law must be addressed between them and the credit borreaus as they are illegally reporting on my credit when they have no legal claim and are causing me hardship

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 2023-05-09
Company: EQUIFAX, INC.
State: MT
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 sent many Disputes to Equifax concerning an account with XXXX XXXXXXXX XXXX, XXXX XXXXXXXX XXXX  has always verified information about this account. I have contacted XXXX XXXX XXXX XXXX to request a Payment History and XXXX XXXXXXXX XXXX was unable to provide a Payment History for this Account, they could not find the account. The account information is taken from an Equifax credit report dated XX/XX/XXXX, Equifax Confirmation number is XXXX. The account number in question is XXXX from XXXX XXXX XXXX XXXX XXXX MT XXXX : XXXX. 
According to the report from Equifax the account was opened XX/XX/XXXX. The Terms Duration is left blank with no information ( Error 1 ). Months Revd is 99 This is incorrect ( Error 2 ). Amount Past Due is left blank ( Error XXXX ). Actual Payment amount is left XXXX - incomplete ( Error 4 ). Scheduled Payment Amount left blank inaccurate ( Error 5 ). Date of last activity was XX/XX/XXXX, Date of Last Payment was XX/XX/XXXX how can you have a payment after what is supposed to be the last activity a month later - incorrect information ( Error 6 ). This account was opened from XX/XX/XXXX with the last payment showing as XX/XX/XXXX. How can an account that was open 4 years and 1 month have a reported Account History with only 2 months - XX/XX/XXXX and XX/XX/XXXX showing ( Error 7 ). By law FCRA, Section 609 and 611, XXXX XXXXXXXX XXXX  and Equifax are required to report information accurately. Information is incorrect, missing, inaccurate from both companies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-09
Company: BARCLAYS BANK DELAWARE
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint:
THIS IS THE TEXT OF MY COMPLAINT FILES WITH BARCLAYS 'S BANK regarding my JET BLUE MasterCArd Credit Card This is regarding my complaint # XXXX regarding a Balance Transfer that I did back on XX/XX/ under 0 % BALANCE TRANSFER OFFER. Somehow I am being charged HIGH REGULAR INTEREST for that balance transferred, when the ONLY REASON why I made it was to get the benefit of the 0 % INTEREST RATE to pay over the time. 

There is no logical way that a Customer prefers to pay interest on a Balance Transfer over a 0 % OFFER in any way. NO ONE IS SO XXXX!!!! 

I waited 5-7 business days and called again to be disappointed to hear from XXXX that the case has not even been moved anywhere. I asked to be transferred to a MANAGER and I was told that it would take 48-72 Hours for that to happen. I HOPE IT HAPPENS before my next payment date on XX/XX/. 

The agent who took care of me today XXXX credited me some of the interest or fees but that's not all that has been charged so far. A FINAL RESOLUTION WILL BE THAT THE INTEREST Rate be adjusted to 0 % honoring your offer. and all interest charged to be void
eversed. 

So far, I see that I have been charged interest on the Balance Transfer for the past two ( 2 ) statement periods, in addition to the {$75.00} initial fee. 

Sere below that I paid in full the credit card balance on XXXX just to have the amount under 0 % Balance Transfer to pay over the time. 

INTEREST CHARGE-BALANCE T XXXX XXXX XXXX  {$39.00} XX/XX/2023 {$17.00} Payment Received XXXX XXXX XXXX XXXX {$1400.00} BALANCE TRANSFER FEE XX/XX/2023 {$75.00}

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 monetary relief
Consumer complaint received 2023-05-09
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: Personal information incorrect

Complaint:
These addresses should be blocked and removed from my credit profile.

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 2023-05-09
Company: M. G. Credit, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I really do not know why this is happening... it may be because someone either used my information, or potentially someone with the same name as mine, even by error that the company refuses to admit, but I have reached out to the company multiple times, and I have disputed the information on my credit reports ( XXXX, XXXX, and XXXX ). The problem is that the company is refusing to remove this charge. I was a client there, but these charges are not mine, and as described to me, some of the charges are for FUTURE XXXX XXXX. The medical office policy is that the charges are paid for at the time of service, so it is impossible that there would be any unpaid balance. Whatever the reason, I would like this resolved. I have perfect credit and I always pay my bills on time, and this is a blemish that I do not deserve.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-09
Company: Synerprise Consulting Services, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XX/XX/XXXX Acct # XXXX XXXX XXXX  I received a XXXX  XX/XX/XXXX I received a text stating that I owed {$720.00} with an acct # XXXX from Synerprise Consulting Services. Currently and at the time of service my private insurance company XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-09
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 have reached out to the bureaus in regards to this situation several times and they keep violating my consumer rights. this is my last attempt to resolve this issues in this manner. I will be reaching out to the secretary of state next in regards to their abuse of power and their failure to properly investigate inaccurate information. I am requesting that their response include : 1. I have a simple request. What procedures does your company have in place to investigate accounts?

2. I am requesting you send me a copy of your policy and procedures?

3. Are your procedures congruent with Title 15 Subchapter III in reference to credit reporting agencies?

4. What data are you basing your verification off?

5. Provide me with the names and business address of the persons with whom you contacted/verified these items, so that I may contact them myself.

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 2023-05-09
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: Personal information incorrect

Complaint:
Please remove these address reports from my credit profile.

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 2023-05-09
Company: Block, Inc.
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
Ive tried disputing scams and unauthorized transactions multiple times and cashapp support provides a lack of customer service or support period. They dont fully investigate like they are supposed to and Im out of {$1600.00} due to a scam that I need reversed in my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
Despite several written requests, the following accounts are still reported as 90 days late in XXXX  and are in violation of Federal Law. I'd like to point out that XXXX and Transunion stated in writing that they verified that these items are being reported correctly? Who verified these accounts? I have attached Case ID XXXX, a detailed report from XXXX showing that the following accounts are not past due and were never 90 days past due : Creditor - XXXX, Last four digits of account numbers- # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, and # XXXX. Please update all of my Student Loan Accounts and remove the late payments.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-10
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
back in XX/XX/XXXX, I contacted all three bureaus to verify some accounts were inaccurate. XXXX removed the account but XXXX refuses to remove the items that were investigated and deleted. Under the FCRA all bureaus must be accurate, complete and verifiable. If any of the Bureaus find information to not be accurate, they must share this information with the other major bureaus. I have attached a copy of the investigation results. in accordance with the Fair Credit Reporting Act, XXXX and Equifax have violated my consumer rights under 15 U.S.C B 1681a sec 603 15 U.S.C 1681 SEC 602a 15 U.S.C 1681 SEC 604a Sec 2 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 2023-05-09
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 fraud alerts or security freezes

Complaint:
DELETE FRAUD ALERTS AND EXTENDED FRAUD ALERTS TransUnion : # XXXX XXXX XXXXXXXX EXTENDED FRAUD ALERT : ACTION MAY BE REQUIRED UNDER FCRA BEFORE OPENING OR MODIFYING AN ACC OUNT. CONTACT CONSUMER AT ( XXXX ) XXXX XXXX : XXXX & XXXX XXXX ID FRAUD VICTIM ALERT FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY XXXX OR EVENING XXXX. THIS VICTIM ALERT WILL BE MAINTAINED FOR SEVEN YEARS BEGINNING 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 2023-05-09
Company: Specialized Loan Servicing Holdings LLC
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
We have been dealing with XXXX XXXX for nearly 24 months regarding loan modification, loan forbearance, etc. They have given us the run around for over 24months and THEY HAVE NOT RESPONDED TO OUR INQUIRIES on a timely basis. We have applied for Federal Assistance with the IHAF and entered our application with the government agency on XXXX/XXXX/XXXX. When XXXX XXXX sold my mortgage to SLS on or about XX/XX/2023, it screwed up the entire XXXX application process as IHAF was still reaching out to XXXX XXXX who failed to respond because they no longer held the loan. We went back in to the IHAF application and notified them that we were notified that the mortgage provider had now changed to SLS. As of today, XX/XX/2023, IHAF has said that they have reached out to SLS numberous times to obtain some verification called an " i record ''. Even though I have uploaded the most recent default letter received from SLS to IHAF, containing proof of mortgage, loan number, deliquency amount, etc., they still apparently need verficiation from SLS. Today, we called SLS 3 times and following automated verification of my loan information, recieved a voicemail asking to call back during normal business hours. The 3 calls we made to SLS TODAY were made between XXXX and XXXX, CST, which is within their normal business hours. They apparently do not have anyone answering their calls today. We called 2 different numbers : ( XXXX ) XXXX and ( XXXX ) XXXX. 

In addition to not answering our calls today during standard business hours, they insist they haven't received a request for an irecord from IHAF however, when speaking to supervisor XXXX today, at IHAF, she indicated it has been sent and we would have to wait up to 7days for them to respond. We are out of time and have done all we know how to do at this point.

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