BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-04
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

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 2021-07-09
Company: Square Inc
State: TX
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Problem with a lender or other company charging your account
Sub-issue: Can't stop withdrawals from your account

Complaint:
XX/XX/21 XX/XX/21 money has been stolen from my cash app card, cash app support has sent me one or two responses and then stopped, I need my money back ASAP, I worked hard for that and now my account is left on XXXX for the second time not by my doing, one purchase for {$76.00} one for {$15.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act, XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2022-11-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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 recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-02
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
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: Old information reappears or never goes away

Complaint:
I am unaware of the above listed accounts. Please validate this information with the creditors and provide me with copies of any documentation associated with these accounts, bearing my signature. In the absence of any suchdocumentation bearing my signature, I formally request that this information be immediately deletedfrom the credit file you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Actsection 623 ( a ) ( 3 ), and I am keeping careful record of your actions. Failure to respond satisfactorily within 30 days of receipt of this certified letter will result in a smallclaims action against your company. I will be seeking {$5000.00} in damages for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Credit Reporting Act You will be required to appear in a court venue local to me, in order to formally defend yourself.

P.S. Please be aware that dependent upon your response, I may be detailing any potential issues withyour company via an online public press release, including documentation of any potential small claimsaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-08
Company: EQUIFAX, INC.
State: LA
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 recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting 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 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 non-monetary relief
Consumer complaint received 2023-10-16
Company: CITIBANK, N.A.
State: NC
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
On XX/XX/XXXX I made an ACH payment in the amount of {$17000.00} from my bank ( XXXX ) to the credit card company ( Citibank ). Citi shows this credit amount to my account on the same day, XX/XX/XXXX. However, they did not make the amount paid available under my credit limit and when I called to ask about this they said it was XXXX XXXX  policy to hold payments. I was then informed that my available credit limit would not reflect the XX/XX/XXXX payment until XX/XX/XXXX, more than XXXX business days following the payment. Meanwhile, my bank account reflects the reduction of funds immediately, since its an ACH payment I know that Citi has the funds, yet I lose all benefit of that {$17000.00} in my bank account ( no interest earning ability ), yet receive no benefit via available credit with Citi. Why should Citi get to hold my money for free for all of those days when they can clearly verify the payments was received? This seems very unfair to consumers. If I dont pay my balance in full they charge me interest so why shouldnt they owe me something when they hold my funds like 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 2022-11-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
I have information reported on my credit file and Inquiries that I did not authorize. I had filed complaints to the TransUnion on XX/XX/2022. The bureau received the complaints but has not taken off the Unverified information from my report. The Bureaus have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section611 ( 5 ) ( A ) of the FCRA you are required to delete all information that can not be verified.

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 2023-09-04
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my report : 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 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 2020-03-16
Company: General Motors Financial Company, Inc.
State: NJ
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Termination fees or other problem when ending the lease early

Complaint:
I had my secretary XXXX speak to GM Motor in regards to a late that had come on my report in error on XX/XX/2019 she spoke to XXXX from GM # XXXX was his ID. He said he was going to be sending in the correction to the bureaus immediately. Yet this is still reporting 6 months later and is really hurting me. Not only is it reporting late it is only showing a 60 day late which isn't possible since the prior month it was on time.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-02
Company: Velocity Portfolio Group
State: MD
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've been disputing fraud accounts on my credit report since XX/XX/2021. I keep sending multiple sets of letters to the bureaus and the creditors so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 100 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well.

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 2020-03-16
Company: AES/PHEAA
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: Account status incorrect

Complaint:
Hello My name is XXXX XXXX XXXX And all 3 credit bureaus is showing student loans by XXXX that are currently on deferment and that at some point in the past I was not aware that the loans had become due. No letter was forwarded to me till I notice on my report it shows late payments for 120 days. Currently my loans had been in deferment since XXXX and they still showing a negative mark that the 3 credit reports refused to fix. I also have a debt from accounts that had been satisfied by Pheaa and still showing negative. I also had a loan by regional acceptance which has been satisfied since XXXX and still showing on my credit report as negative. A collection from XXXX incorrect amount and incorrect information because I was not aware of the insurance debt with the general insurance. All this items should not be in my credit report. Falsely damaging my credit and servicer as well as the 3 reporting bureau refused to remove it. I need your help. 

Thank you XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-16
Company: General Motors Financial Company, 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: Credit inquiries on your report that you don't recognize

Complaint:
I applied for a loan at at XXXX dealership, that sent me to partner dealership for inventory. Between XX/XX/2019 and XX/XX/2019 the 2 dealerships gave me 4 hard inquires.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-25
Company: Winklevoss Exchange LLC
State: SD
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
My account is froze and they will not get back to me to resolve. This happened XX/XX/XXXX th and someone gained access to my email and i had to freeze my account. I got it back open and it happened again on XX/XX/XXXX, this time i was able to freeze account and someone sold XXXX without me knowing. Ive tried to get them to unfreeze my account but they have not responded all week. These are my claim reports Subject : We have received your request! - how long will it be frozen, Ticket ID : XXXX We have received your inquiry and one of our support agents will respond to your request as soon as possible. 


In the meantime, our help center is a great resource to find the answers to most questions about Gemini! https : //support.gemini.com/. If you were able to find a solution to your issue we would greatly appreciate it if you let us know by responding to this email. 


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Onward & Upward! 

Gemini Customer Support XXXX ( Gemini ) XX/XX/XXXX, XXXX PM XXXX Hi XXXX, Thank you for reaching out. 

I have taken a look at your account and it looks like the account was frozen on the users side today, on XX/XX/XXXX. We are reviewing your account activity with our Security team and will be in touch shortly. 

I would be happy to assist you with unfreezing your account. In order to do so, we kindly ask that you submit a photo that contains the following : 1. A view of your full face 2. Your ID that was used to register with Gemini. This was either a passport or driver 's license 3. A hand-written note that states the current date and says " [ XXXX ] '' underneath Once you've taken a selfie that contains all of the above, please upload it via our secure Gemini XXXX : https : XXXX Please keep in mind that this must be one photo that contains all of the above, not 3 separate photos and reply to this thread once this is complete as I will escalate your case for expedited service. 

Additionally, it would be helpful if you could respond to this email as soon as possible and provide the following : - Why have you frozen your account? 
- What is your phone number? 
- What are the circumstances of which your account has been compromised ( or potentially compromised )? 
- Any additional information you can provide that will help us resolve your issue. 

Please do not hesitate to send us any additional and relevant information, and as always, reach out if you have further questions for us. 

Onward and Upward, XXXX i submitted photo and nothing, ive changed my password 3 times and they still keep it locked.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-25
Company: United Shore Financial Services, LLC
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
UWM transferred my loan to a new servicer. UWM owes my new servicer a check for {$770.00}. The check should have been processed months ago and they refuse to respond and have not sent a check. My account is showing an incorrect balance due to this issue. 
I am unable to correctly pay my loan due to this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I contacted both XXXX and TRANSUNION to verified this account. Both companies XXXX/Transunion came back an stated that account had been VERIFIED but won't send me the information requeted by me. I asked to please provide me Name and Addresses of Medical providers, dates and type of services, to whom the service was provided, Oriiginal contract with my signature, and if information is collect i woulded off like the name of the person providing the data and the manner in which it was provided. I contacted TU and they said they don't provide such information. I also contacted XXXX to please provide me with verification of the account and also i didn't get anything from them

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 2022-03-25
Company: SLM CORPORATION
State: NY
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I looked up the address to make a payment to my salliemae loan. 

This link popped up https : XXXX/ I sent my check of XXXX XXXX, XXXX dollar to this address below. {$1800.00} Payment address : Sallie Mae XXXX XXXX  XXXX XXXX, PA XXXX Now they are saying they can't find my check for my student loan and the payment won't be applied in time because of these XXXX. These XXXX gave me a late payment before on my credit for there mistake and now these XXXX have an address that is no longer active up on the site for payments!!! If they payment is not reported on time then I will be at fault because of the XXXX  and there unprofessional antics

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-07
Company: EQUIFAX, INC.
State: AR
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 sent me a email that it looked like my personal data may had been compromised. I opened it up and reviewed everything and there was several unknown inquiries and accounts that certainly did not belong to me. I pulled my credit to make sure, and these accounts I am reporting are definitely not mine. Please remove these items from my report. 

BANKRUPTCY CHAPTER XXXX-DISMISSED XXXX {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-02
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: 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 confidentiality under 15 USC 1681.

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 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 item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.

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 2022-11-08
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:
I've reached out to this company several times via phone mail and fax advising them they are breaking the law by reporting my private personal information to the public without my consent or knowledge. According to 15 U.S. Code 1681b they have no right to report my information without permissable purpose. I never gave any written consent to report this information.

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