BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-29
Company: Block, Inc.
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
On XX/XX/2022 my account was hit by a company named XXXX  a total of 8 times in total for {$350.00}. These were unauthorized transactions. They were as follows XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have tried to contact XXXX and have received only one response from them asking the last 4 of my card number which I gave them with no response. I emailed them again trying to follow up with them with no response. 
I also tried to contact Cashapp while the transactions were still pending and not completed and they told me they could not help me until they were completed. I contacted Cashapp again once the transactions were completed and filed disputes on these transactions and was told that there was no error made and they could not help me. Now Cashapp has canceled my Cash Card 3 different times for some unknown reason making it to where I can not access what money I do have in my account and they can not give me a reason as to why they are doing this. I have contacted support through the app and have called support with no help on this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-23
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is just troublesome! The Credit Bureaus have been ignowing my letters as well as theiur reposibility to comply with the FCRA section 605b! I have been sending multiple letters asking for the Credit Bureaus to remove the dispute accounts and information from my Credit Report for I believe I have been a victim of identity theft. The last letter I sent was dated XX/XX/2022 with complete attachments of my personal information such as my Driver 's license as well as the ID THEFT REPORT I received from the FTC. I have been a vitim of identity theft and that the Items I am disputing were the results of such crime. By th provisions of the FCRA section 605b, I am submitting this CFPB Complaint to request that the Credit Bureaus remove the following fraudulent items completely from my Credit report as soon as possible : XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX ( Original XXXX XXXX XXXXXXXX XXXX ) XXXX Balance {$760.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-08
Company: FIFTH THIRD FINANCIAL CORPORATION
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Fifth Third Bank has continually incorrectly applied an escrow to my account since XX/XX/XXXX. Despite multiple attempts to fix the problem they continue to process my payments as either late or missing. 

In XXXX of XXXX an escrow was placed on my account for hazard insurance I already had on my home. The letter was sent in XXXX, however my current insurance was set to renew at the end of the year ( expiring XX/XX/XXXX ). Once I realized they were still not removing the escrow despite having insurance I called on XX/XX/XXXX, provided my insurance once again and was assured it was taken care of. Later in the month I was then notified my payment was never processed due to it being short due to the escrow for insurance I then called on XX/XX/XXXX and XX/XX/XXXX going through the same process and each time being told it was taken care of. I was then again notified the insurance was never processed and called on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX each time being assured it will be taken care of, to then repeat the same problem the following month. On XXXX I was finally able to get hold of a manager who then did a phone call to obtain my insurance letter. Once again was assured it was taken care off. This issue remains to this day. I have tried several times to resolve this issue with the bank in regards to getting my account marked as up to date and having the negative remarks on my credit report removed. My most recent call to address the problem was on XX/XX/XXXX to once again attempt to resolve the same issue, once again being told it was taken care and still my account is noted as past due. Today, XXXX, I called the office of the president of the bank was told my account was marked as past due, and that they were unsure why and an agent would call me back. Obviously I am not hopeful that anything will change. 

Throughout this entire process I have sent the accurate mortgage amount to the company on the XXXX for the following month. Despite this, they have not processed my payment accurately across the previous 6 months resulting in my credit score dropping over 100 points.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-28
Company: EQUIFAX, INC.
State: MO
Product: Credit reporting or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I've sent letters asking for validation about all the accounts and hard inquiries. My information was was apart of the eqifax data brench. All the information reporting on my cumsumer report is wrong. The equifax data brench has made my cumsumer report score bad.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts. I am never been late on this account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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, the list of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681. 

Account Name : XXXX, Account Number : XXXX, has violated my rights. 
Account Name : XXXX XXXX, Account Number : XXXX, has violated my rights. 
Account Name : XXXX XXXX XXXX, Account XXXX : XXXX, has violated my rights. 
Account Name : XXXX XXXX XXXX, Account Number : 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 an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section states : No consumer reporting agency may make any consumer report containing any of the following items of information, any other adverse items of information, other than records of convictions of crimes which antedates the report by more than 7 years.

15 U.S.C 1681s-2 9A ) ( 10 A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
XXXX, TransUnion, and XXXX are report some or all of these accounts inaccurately. These inaccurate accounts are preventing me from obtaining a XXXX XXXX clearance, purchase a new vehicle so I can travel, credit cards, and the ability to obtain employment. Over XXXX credit disputes have been filed with XXXX, XXXX, and TransUnion in an effort to resolve this situation. 

XXXX XXXX XXXX Account Number : XXXX information being reported by XXXX does not match the information being reported by TransUnion and XXXX. No late payments are listed by XXXX or TransUnion. XXXX shows multiple late payments. The account was closed because XXXX XXXX purchased XXXX XXXX XXXX. We have not been late on mortgage 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 2023-12-06
Company: Mercury Technologies, Inc.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I received notice of Mercury Account Closure on XX/XX/XXXX at XXXX XXXX  PST. An email was received from XXXX with very limited information as to why. I went to log into my account online, and only found a splash screen stating my account status was " Pending ''. When I responded to the email at XXXX XXXX  PST requesting new information, I waited more than 12 hours and responded back again XX/XX/XXXX at XXXX XXXX PST asking to speak with someone about this situation. 

I received the same canned response back at XXXX XXXX  PST with language stating that they may not respond back if I chose to continue to reach out. I responded back at XXXX XXXX PST XX/XX/XXXX offering any assistance from our end in resolving this matter with no response. 

Mercury does not list a contact phone number on their site, and their FAQ actually lists their contact number only available upon login ( which I've been locked out of the account to even obtain that information ). 

Learning Mercury is backed by XXXX XXXX XXXX XXXX I gave them a call after the lack of support form the email exchange, and was provided a direct number to Mercury support.

I called Mercury and spoke with the first agent for nearly 30 minutes who'd mentioned she notated the ticket on the account and that the compliance team would review. She refused to provide any further information, or a human contact in the compliance department stating " all communication is via email with that team and they don't have a phone number ''. She mentioned I may call back in a couple hours to check on things, but they may not have any updates until end of day. 

I called back nearly XXXX hours later to find they had blocked my number, and I was only able to get through via blocking my number. Upon verifying my account, the agent mentioned that they would not longer be able to assist me over the phone and abruptly ended the call. 

I've kept ~ {$21000.00} in the account for the past several months with very limited activity only to pay contractors from this account. This amount comes from the original deposit of nearly {$35000.00} when the account was opened several months back, and cleared long ago. 

I've had XXXX separate accounts within Mercury, and this account has never been in question. I need these funds to pay contractors that are now overdue, and this has put my business in a very dire situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NM
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Order of Events XX/XX/2023 : 1st Notice I endorsed the bill and sent along with a Letter of Instructions - Re : Claim of Credit, which was sent to the billing department located at : Capital One, XXXX XXXX XXXX, XXXX XXXX XXXX, CA XXXX. USPS Certified Tracking # XXXX ( delivered on XX/XX/2023 ) A copy of the endorsed bill was also sent to XXXX XXXX XXXX CFO located at : XXXX XXXX XXXX  XXXX, XXXX, VA XXXX, along with a Letter of Instructions - Re : Claim of Credit, a notarized Power of Attorney, and a copy of the Federal Reserve Act Sec. 16, Part 1 & 2. 

USPS Certified Tracking # XXXX ( delivered on XX/XX/2023 ) XX/XX/2023 : 2nd Notice I resent the copy of the endorsed bill to XXXX XXXX XXXX CFO located at : XXXX XXXX  XXXX  XXXX, XXXX, VA XXXX, along with a Letter of Instructions - Re : Opportunity to Cure, a copy of the Federal Reserve Act Sec. 16 and Sec. 29, and included a copy of the delivery confirmation from USPS of the 1st Notice. 

USPS Certified Tracking # XXXX ( delivered on XX/XX/2023 ) XX/XX/2023 : 3rd Notice I resent the copy of the endorsed bill to XXXX XXXX XXXX CFO located at : XXXX XXXX  XXXX  XXXX, XXXX, VA XXXX, along with a Letter of Instructions - Re : Default of Notice, a copy of the Federal Reserve Act Sec. 29, and included a copy of the delivery confirmation from USPS of the 2nd Notice. 

USPS Registered Mail Tracking # XXXX ( delivered on XX/XX/2023 )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-24
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX XXXX XXXX  still has not provided the items required and requested by myself and an attorney. Attached is a letter sent to them. They provided limited information. The information they did provide showed that there were no calls or activity on any phone line after XX/XX/2021. I have provided them and all three of my credit bureaus including the copb proof that I had all three phone numbers on another cell phone carrier. How can I have two cell phone carriers? That's impossible per the FTC. The collection company has failed to realize that XXXX continued to charge me for one of the phone numbers on the account for several months. This has been made very clear to the cfpb all three credit bureaus and this collection company in black and white with bills. They have failed to provide me all the information on the validation letter which I will also attach to this. The cfpb and the credit bureaus need to do their job and read the documentation that I have sent certified mail to everyone. The only amount owed is {$68.00} for a phone. That is it. There is also an issue with XXXX not even having the right information on the credit report. They were also sent letters that showed the item has to be very clear and listed in dispute on my credit report. They were all sent certified letters. XXXX for example doesn't even have an amount listed. I have provided information for that as well. The cfpb needs to read these complaints and documentation

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX XXXX, XXXX still has not provided the items required and requested by myself and an attorney. Attached is a letter sent to them. They provided limited information. The information they did provide showed that there were no calls or activity on any phone line after XX/XX/2021. I have provided them and all three of my credit bureaus including the copb proof that I had all three phone numbers on another cell phone carrier. How can I have two cell phone carriers? That's impossible per the FTC. The collection company has failed to realize that XXXX continued to charge me for one of the phone numbers on the account for several months. This has been made very clear to the cfpb all three credit bureaus and this collection company in black and white with bills. They have failed to provide me all the information on the validation letter which I will also attach to this. The cfpb and the credit bureaus need to do their job and read the documentation that I have sent certified mail to everyone. The only amount owed is {$68.00} for a phone. That is it. There is also an issue with XXXX not even having the right information on the credit report. They were also sent letters that showed the item has to be very clear and listed in dispute on my credit report. They were all sent certified letters. XXXX for example doesn't even have an amount listed. I have provided information for that as well. The cfpb needs to read these complaints and documentation

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 2022-07-04
Company: Bread Financial Holdings, Inc.
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Ive made monthly payments on my card until the balance was paid. They then sent another invoice claiming a $ XXXX {$4.00} balance then applied a late fee due to their website being inaccurate on the final amount due for pay off. 

I called and spoke to them regarding the error and was told they could not remove the late fee because the account was closed. I then paid again the pay off amount. 

I get another bill in the mail for {$2.00}. I go online yesterday to pay it. There is a notice online that they are experiencing problems with their system. ( No doubt! ) I manage to get in my account and try to pay the {$2.00}. It requires me to add my bank account, I try adding my bank however the system says that my bank account is already listed. It is not! And I was not able to select any previous banking information to make a payment. System error again! 

I notice while I was trying to make my payment that my account indicated I had {$900.00} ( something credit ) which I thought was strange for a closed account. 

I try again today to log in to pay {$2.00}, and my account says closed cant make a payment please call customer service! 

I have had quite enough with this company! I want the {$2.00} fee removed and my account back open! I dont plan on spending, but I want my line of credit back and I want them to stop hounding me about {$2.00}!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-09-24
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX XXXX XXXXXXXX still has not provided the items required and requested by myself and an attorney. Attached is a letter sent to them. They provided limited information. The information they did provide showed that there were no calls or activity on any phone line after XX/XX/2021. I have provided them and all three of my credit bureaus including the copb proof that I had all three phone numbers on another cell phone carrier. How can I have two cell phone carriers? That's impossible per the FTC. The collection company has failed to realize that XXXX continued to charge me for one of the phone numbers on the account for several months. This has been made very clear to the cfpb all three credit bureaus and this collection company in black and white with bills. They have failed to provide me all the information on the validation letter which I will also attach to this. The cfpb and the credit bureaus need to do their job and read the documentation that I have sent certified mail to everyone. The only amount owed is {$68.00} for a phone. That is it. There is also an issue with Experian not even having the right information on the credit report. They were also sent letters that showed the item has to be very clear and listed in dispute on my credit report. They were all sent certified letters. Experian for example doesn't even have an amount listed. I have provided information for that as well. The cfpb needs to read these complaints and documentation

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 2023-08-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX This Consumer Note is my official call for you to discontinue reporting of the items above-displayed and aforementioned contested allegation in its reportability and challenged for its evident certified compliance of reporting only true, accurate, complete, timely, and or else wise physically verified and validated claims. Due to at least these few compliance-issues in your current reporting I demand you prove beyond doubt your claims ( s ). 
This COFF item is deficient as reported, as above-displayed in evidence of uncertified *HRCF12 questionable even poor reporting. Per Federal reporting regulations all claims MUST be to a maximum possible accuracy and maximum possible completeness, and even the reporting mandates related to the standard of certifiably compliant reporting is that there be no swaying from the METRO @ FORMAT compliance since, per CDIA, DNP 3-4 Any deviation from these standards jeopardizes the integrity of the data so remove or rectify your current not confirmed nor certified claim of adequate compliance, as is mandated! 
I wanted to inform all parties that in the last thirty ( 30 ) days that I have contacted the Federal Trade Commission. I explained in my letter to that, you, as a Federal Reporting Agency have not complied with any of the Laws under the FRCA Laws 605b Identity and 609A1 E2 Validation and Disclosure, 623 A1 Responsibilities of the furnisher of information. 
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