BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 XXXX XXXX  XXXX account # XXXX, XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX  account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX  account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX XXXX account XXXX XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.

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 2023-08-18
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This is my complaint about the negligence of the 3 Credit Bureaus and I alleged that they have violated the Fair Credit Reporting Act by inaccurately reporting information on my credit report with the late status of accounts resulting in significant harm to my financial standing and reputation. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, documents, and give definite and accurate responses, within the given statutory time. I demand that they rectify this violations and provide me with accurate and updated credit report immediately. These are the inaccurate accounts that I want them to correct : XXXX XXXX XXXX Balance : {$2800.00} ; XXXX XXXX XXXXXXXX Balance : {$550.00} ; XXXX XXXX XXXX Balance : {$1600.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-26
Company: Block, Inc.
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I had 3 unauthorized transactions on my account from an ATM. I informed CashApp the second I found out about them. One was for {$460.00} on XX/XX/XXXX, XXXX the other was for {$300.00} on XX/XX/XXXX, at XXXX and the other was for {$180.00} on XX/XX/XXXX, at XXXX. I did not authorize these transactions, my debit card was canceled as a result and the location said they had video evidence that it was not me performing the transactions but they would only provide that information or video I should say to whoever was investigating it. I told this to CashApp. They refused to investigate and just denied my disputes. I informed them of regulation E sec 205.11 and how it related to unauthorized transactions. They have denied these 5 times. They ignored me and then told me to call the police. But they were the ones accusing me of lying or committing fraud. As I would have to be in order for them to deny these. I have reached out to the over 200 times just be hung up on, ignored and be caught in their passive aggressive refusal to accept responsibility for their actions or lack their of. This company needs to be thoroughly investigated for rights violations and banking fraud. They need to be put out of business for good.they are a prime example of what is wrong with financial institutions today in the United States. Cash app also installed malware on my XXXX which I have proof from XXXX I had to reset my XXXX as a result and it cost me pictures of my XXXX XXXX XXXX that I will never get back. Attached is proof. Look up the doimains they installed the I called them all day. They took over my XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-19
Company: FIFTH THIRD FINANCIAL CORPORATION
State: KS
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
This started back in XXXX of 2021. We tried to make 3 house payments that month, in order to catch us back up. The first one was made on XX/XX/2021. This was the XXXX payment. ( {$960.00} ) The second payment was made on XX/XX/2021. This was the XXXX house payment. ( {$960.00} ) Late fees were included in the first 2 payments. The third payment made was supposed to be for XXXX. It was paid on XX/XX/2021 ( {$930.00} ) The third payment was applied to our principal instead of being used a house payment. I made several phone calls and finally after 6 months it was resolved and applied to the mortgage. This mortgage lender does not take partial payments. Prior to this fiasco in XXXX, we tried to pay what we could. They are an all or none financial institution. This caused great stress to us, as we were trying our best. I was unemployed for 6 weeks. Their policy is to mail back the amount they received in the form of a check, if it is not the full amount due. It is sent back via the US Postal Service. Therefore, on several occasions, by the time we received the check, cashed it and tried again, we were falling further behind. Our major concern now is that the bank has reported that we had seven late house payments. This is simply not true. I have my online banking statements to back up this reporting. We recently have tried to apply for a mortgage that would involve selling our current home and moving. We were denied due to what Fifth Third Bank reported to the credit bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-24
Company: BlueChip Financial
State: CO
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
I have been receiving harassing phone calls from the following phone numbers : XXXX and XXXX. The person calling says, Im XXXX XXXX and we have received a complaint in your name and social security number with our department. This person does not disclose the name of the company he works for but I did manage to find out who they are collecting for Spot Loan. I have used Spot Loan and Im all paid up with them. I do have a new loan out with them currently which I am current with as we speak. I have been scammed out of a lot of money in the past! Is there anything else I can be doing besides sending in complaints? I have blocked the 2 phone numbers mentioned above?

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX Data breach and may have got into the hands of the wrong person.

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 2022-09-19
Company: EQUIFAX, INC.
State: OH
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 am making a final goodwill attempt to clear up this matter. The accounts sent back verified are entirely inaccurate, incomplete, and represent a grave error in reporting. Also, this is my second time contacting about this matter in writing. No need for me to go into detail and tell you the law. Your company knows that you are required under the FCRA to have correctly verified the accuracy of an account listed on my credit report with physical documents. All in all, you have ignored my request to provide me with the documents that you have in your files that you used to verify the disputed accounts which means that you have NOT verified or you can not verify any of these accounts and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly delete all information which can not be verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 Accounts below violated my rights. 15. U.S.C. 1681 Section 602 A states that I have the right to privacy. 15. U.S.C 1681 Section 604 A section 2- Consumer Report Agency can not furnish an account without my written instructions. I have sent several request to remove inaccurate information and these account. Letters and documentation such as FTC was sent on XXXX, XXXX, XXXX, XXXX, XXXX,. Accounts below : 1. XXXX XXXX - Account # XXXX, and Account # XXXX 2. XXXX XXXX XXXX ( original creditor : XXXX ) - Account # XXXX 3. XXXX XXXX - Account # XXXX 4. XXXX - Account # XXXX 5. XXXX XXXX XXXX - Account # XXXX XXXX. XXXX XXXX  - Account # XXXX 7. XXXX XXXX XXXX XXXX Account # XXXX 8. XXXX XXXX Account # XXXX 9. XXXX XXXX XXXX - Account # XXXX, Account # 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 2022-09-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IN
Product: Debt collection
Sub-product: Mortgage debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
We were advised by Bank of America, XXXX XXXX Resolution Specialist, Regulatory Complaints, that when he was provided a signed third party authorization from the borrower XXXX XXXX ( seXXXX attached ), we would be provided a payoff. We provided same yet Shellpoint, Bank of America, or its lawyers XXXX XXXX XXXX XXXX XXXX XXXX XXXX or XXXX XXXX XXXX Managing Member, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Attorneys at Law XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX, Illinois XXXX provided a payoff letter all in violation of the FDCPA and federal statute.

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 2022-07-27
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:
These accounts were unknown to me. I came across this law today and according to the FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any accounts or information not later than 4 business days after the letter was sent. Ive already included this in my previous Complaint and I am including it again. 
XXXX XXXX Balance : {$3600.00} Date Opened : XX/XX/XXXXXXXX XXXX XXXX Balance : {$0.00} Date Opened:XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$340.00}

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 non-monetary relief
Consumer complaint received 2022-06-24
Company: TRUIST FINANCIAL CORPORATION
State: MI
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 Fair Credit Reporting Act XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C. 1681 Section 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. 1666B : A creditor may not treat a payment on a credit card account under an open plan as late for any 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 2019-02-16
Company: Experian Information Solutions Inc.
State: NC
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:
XXXX XXXX and XXXX is claiming ownership of a student loan debt that they are reluctant to prove that they own the debt and that I owe the debt. 

I have requested from XXXX XXXX " current owner '' stated on monthly statements original documents from the original creditor that were executed and authorized by me. XXXX " the servicer '' has failed to furnish me the original documents that they are required to have on file under the FCRA and FDCPA. In addition, I requested a copy of the contract agreement that gave authorization for XXXX XXXX to be the current owner without proof. 

I demand to know who legally owns this debt.

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 2022-09-19
Company: McCarthy, Burgess & Wolff, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I contracted for internet service with XXXX in XX/XX/XXXX. 

My 2 year commitment on the contract was completed in XX/XX/XXXX. 

I closed my account and verified that my credit card had been removed from my account on XX/XX/XXXX. As discussed with the XXXX representative, I no longer live at the service address and only had the modem to return. As well, the XXXX representative was notified that my husband and I did not own a ladder nor had the ability to scale a ladder to the roof. We moved from the location XX/XX/XXXX. The modem was verified that it was returned and received by XXXX. 

XX/XX/XXXX I received a " We couldn't process your payment '' email notice in the amount of {$160.00}. The notice stated that XXXX was unable to process my monthly XXXX internet service. As I had removed my card from the account and closed it out, I knew the communication was incorrect as I didnt owe a monthly payment. I received no communication between XX/XX/XXXX and XX/XX/XXXX from XXXX. 

XX/XX/XXXX My account was turned over to a Debt Collection firm. ( Confirmed with Debt Collection agency representative on XX/XX/XXXX. ) XX/XX/XXXX I received a second communication from XXXX stating that they had not received my equipment and payment of up to {$300.00} was due on XX/XX/XXXX. There was no specified amount and there was no linkage of the unreturned equipment fee to the first communication for monthly payment. 

XX/XX/XXXX The debt collection payment company mailed a notification on XX/XX/XXXX for the amount of {$160.00}. 

XX/XX/XXXX I received the debt collection notification sent on XX/XX/XXXX for the amount of {$160.00} from the US Postal Service. 

XX/XX/XXXX I called the number that was on the XXXX unreturned equipment notice XXXX to inquire as to the payment. There was no option at this number for talking with Customer Service or a way to get to Customer service. 

XX/XX/XXXX I looked up the customer service number and through a phone call confirmed with the XXXX representative that the amount that was reported initially as a monthly payment was really the unreturned equipment fee. 

XX/XX/XXXX The XXXX representative filed a complaint on how the communication and timeline was handled. 

XX/XX/XXXX I paid the {$160.00} with the debt collection agency. I requested a letter of confirmation and will receive a letter within 14 business days.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-24
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: Was not notified of investigation status or results

Complaint:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate it lists the XXXX XXXX XXXX  as the furnisher thats forgery and misleading when the courts dont report this type of account. 
XXXX XXXX XXXX  Account Number : XXXX As a consumer by law this must be deleted immediately 2. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate it lists the XXXX XXXX court as the furnisher thats forgery and misleading when the courts dont report this type of account. 
XXXX XXXXXXXX XXXX  XXXX Account Number : XXXX As a consumer by law this must be deleted immediately 3. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate it lists the XXXX XXXX XXXX  as the furnisher thats forgery and misleading when the courts dont report this type of account. 
XXXX XXXX XXXX XXXXXXXX XXXX Account Number : XXXX As a consumer by law this must be deleted immediately 4. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate it lists the XXXX XXXX court as the furnisher thats forgery and misleading when the courts dont report this type of account. 
XXXX XXXX XXXXXXXX XXXX Account Number : XXXX As a consumer by law this 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 2022-06-06
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: Personal information incorrect

Complaint:
On all three of my credit reports, it shows incorrect name, address, and phone. I have tried to correct the information with each of the credit reporting agencies, and they refuse to make the correction. My credit has been severely damaged by information that does not belong to me or has my correct name. I have also been denied new credit and turned away from a job because of this false information. I am at the end of my rope and thought the best thing to do is to come to your agency for help. I am asking for assistance in forcing the agencies, XXXX, Trans Union, and XXXX to immediately correct this information so that my credit score can be greatly improved.

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 2022-06-24
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX Account # 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 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 2023-12-03
Company: WELLS FARGO & COMPANY
State: NY
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I made a payment of {$20000.00} from my XXXX checking account to my Wells Fargo credit card on XX/XX/2023. The money left my XXXX account on XX/XX/, 2023. I called Wells Fargo on XX/XX/ 2023 at XXXX Eastern Time inquiring why the available credit limit and balance hasn't been updated, and they claimed even though the money is with Wells Fargo they have placed a 15 day verification hold on the account. They were unable to get on a 3-way call with XXXX to verify the payment nor were they willing to provide details on the verification hold. My money is sitting with Wells Fargo for 15 days without interest, and I am unable to use my credit card.

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