BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
In accordance with the Fair Credit Reporting act Not my Address or phone numbers or employer XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX All Inquires need to be removed and this 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 item of information, other then records of convictions of crimes which antedates the report by more then 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 explanation
Consumer complaint received 2022-12-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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 was in the process of applying for Insurance and it was brought to my attention that there is some inaccurate, incomplete and unverifiable information reporting on my credit report. 
I received a copy of my credit report and to my surprise I saw all these inaccurate items that I have previously asked you to block. 
I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority.

Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft.

I have provided documents that can prove it. By the way I hope that this does not hinder my ability to obtain Insurance due to this inaccurate information reporting.

I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( i ) can be considered an adverse action. 
Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time.If you can not complete this request, please delete the accounts immediately. 
I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate every piece of information and remove these items below from my credit report. 
Accounts XXXX. The following personal information is incorrect Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The following personal information is incorrect Account Number : XXXX  : XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX. The inquiry was not authorized PEOPLE FACTS Date of inquiry : XX/XX/2020 XXXX. XXXX Account XXXX : XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX  XXXX XXXX, LA XXXX XXXX there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Please remove it from my credit report. 
XXXX. The following personal information is incorrect Account Number : CURRENT ADDRESS : XXXX XXXX XXXX XXXX, LA 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 2023-08-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
The issue is causing me significant distress and XXXX, to the point where I'm having trouble sleeping. I implore you to rectify this as soon as possible. I have never missed a payment on this account, and I find it extremely unfair that I am now being penalized for something that is not my fault.

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 2023-04-27
Company: Experian Information Solutions Inc.
State: TX
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 am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. These accounts has been reporting inaccurately. I wanted to dispute these because of this and it was affecting my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
On XX/XX/2021, I was notified by text that my Bank of America credit card was used for purchases and I immediately notified Bank of America via text that I did not make those charges. On that same day, I called the bank that I never received my card ; therefore, those credit card charges were fraudulent. The Bank of America representative filed a fraud claim, issued a temporary credit for {$1300.00} while Bank of America 's fraud team investigates my claim, and I received a replacement card which I activated in late XX/XX/2021. 

On XX/XX/2021, Bank of America denied my claim and reversed the temporary credit. When I called a Bank of America representative, I was told that the Bank of America fraud team never documented that my card was stolen ; therefore, Bank of America made it seem like I made those charges in XX/XX/2021. My case was reopened on Wednesday, XX/XX/2021 and denied a second time on Wednesday, XX/XX/2021. While calling the bank again, I was told that the fraud team ignored that my card was stolen/never received. Through my various conversations with Bank representatives and two appointments at the Bank 's XXXX office, the bank 's fraud team acted accusatory and has treated me poorly. 

To make matters worse, I was told by a Bank of America representative ( " XXXX '' ) during my second in-person appointment on Tuesday, XX/XX/2021 that the last four digits of the phone number used to activate my stolen credit card does not match the last four digits of my phone number that Bank of America has on file. 

I filed a police report on Saturday, XX/XX/2021 and I was able to obtain the police report on Tuesday, XX/XX/2021 that ascertains the facts I have presented to Bank of America.

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 2019-07-19
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:
Hello There the items below do not belong to me, and they are stopping me from buying a home. 

XXXX XXXX XXXX  account # XXXX Amount {$1200.00} XXXX XXXX XXXX ACCOUNT # XXXX {$1100.00} XXXX  XXXX ACCOUNT # XXXX {$720.00} XXXX XXXX, XXXX ACCOUNT # XXXX {$480.00} XXXX XXXX  # XXXX AMOUNT {$85.00} XXXX XXXX # XXXX AMOUNT {$80.00} XXXX XXXX  # XXXX AMOUNT {$0.00} XXXX XXXX XXXX  ACCOUNT # XXXX AMOUNT {$0.00} XXXX # XXXX AMOUNT {$0.00} XXXX XXXX XXXX  # XXXX AMOUNT {$0.00}

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 2023-08-04
Company: Chime Financial Inc
State: NJ
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:
I ordered groceries for delivery from XXXX on Sunday 4 days ago using my chime credit builder account XXXX processed the payment at XXXX and then wasn't able to deliver my groceries due to being short staffed so at XXXX the same day they notified chime that the purchase was canceled and authorized them to lift the hold on my funds. Chimes policy is a refund can take up to 7 - 10 days depending on the merchant but once the merchant processes it from their end it only takes 1-3 days for the money to go back into your account. XXXX processed it on Sunday it's now been 4 days and still no refund. Chime is telling me that they can see XXXX advised them on Sunday that the order was canceled but because it is still processing on their end they must wait for the transaction to be settled before they even begin their refund process. My issue is that XXXX didn't actually submit for a " refund '' XXXX says they submitted information that the order was canceled and authorized chime to LIFT THE HOLD on my money. Everyone I spoke to at chime agrees they can see what XXXX submitted and have confirmed it was recieved on Sunday but they still have to wait for the transaction to settle to begin the refund process ... XXXX gave them permission to lift the hold once chime recievrd that information the " transaction process '' should have been stopped it should no longer be a pending transaction so they could begin the refund process now they are telling me that it won't settle for 7 business days so that will be Tuesday then it could take another 7 days for me to get my money. Not to mention this is a credit builder account that works like a secured credit card I have to load or transfer enough money to cover my purchase and then chime transfers those funds into a secured account until the billing date at which time they use my money to pay off the balance for that month so XXXX essentially was paid as " credit '' and chime has my money sitting in a secured account and can see XXXX come firms I do not owe them this money I don't feel I should have to wait all this time to get my grocery money back and be able to buy food for my house

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX ( Original Creditor : 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
Consumer complaint received 2023-06-25
Company: Nelnet, Inc.
State: NE
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I have a very " old '' student loan that I have been paying on forever. I am co-signed on this private student loan and have made ALL of the payments. Several years ago this was sold by XXXX XXXX to Nelnet ( doing business as Firstmark Services ). At the current terms I won't have it paid off until approx. XXXX - when I will be XXXX XXXX XXXX. 

The payoff as off today is $ XXXX.I have offered to pay approx XXXX XXXX down in one cash payment now and then request that the balance remaining be " re-financed '' as a 3-4 year loan. I was told this was not an option/not possible. I simply can not pay another 12 years of additional interest.

I need help with this. 

Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-29
Company: MERCANTILE ADJUSTMENT BUREAU, LLC
State: WA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
These phone calls have been going on for weeks. We lost count of how many calls we received, because it sounds like the calls we got from the " I.R.S. '' last year. We have not received a written validation notice telling us how much money we owe within five days after they first contacted us. The message is the same automated message from Mercantile Adjustment LLC, XXXX. A robotic name " XXXX XXXX??? '' is provided, but is hard to understand. They want us to use reference number that is provided in the message, XXXX. The automated message is the SAME everytime, and is sent at about XXXX each day. The message does not ask for anyone by name ; therefore we do not know to whom the debt pertains. We are unaware of any outstanding debt that we may owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-30
Company: JPMORGAN CHASE & CO.
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XXXX XXXX XXXX XXXX  made a mobile deposit of a check {$300.00}. This check was deposited and available in my account balance yet chase had restricted my account on the basis they needed an phone number to be listed on the check that was verified by them. I called several times to give them several phone numbers and they rejected all of them on the basis they were not registered in their system. The check cleared was valid and did not get flagged it was verified it self as genuine yet chase wanted a number that did not exist. From this point I did not know what to do and waited. On XX/XX/XXXX chase closed my account and the statement said " DEBIT DDA - CHECK CHARGE '' I have read online from reliable sources that this means they confiscated my money and closed my account because the information they asked for was impossible to provide.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-04
Company: DISCOVER BANK
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
There are XXXX disputes open Where this company states theyll give a temporary credit while theyre researching and when it comes right down to it they dont credit you or they do and take it back and say they are still researching it. 

On the first amount of XXXX the item was returned to the original sender and they have the tracking that proves it. Yet they still are supposedly giving the company time to respond? When I have an issue with XXXX XXXX and they SEE that something was delivered back to the original sender they give a permanent credit XXXX they know I just showed them it was delivered and was returned to the sender. 

The one with XXXX is ridiculous. They know they do a XXXX day trial I ended the XXXX day trial the day I got the app so if XXXX looks into my XXXX ID which they would know they would see it was cancelled the same day the trial started - Ill attach what that app shows ( that Amount was XXXX for a year The last dispute I didnt get the dash cam in the box I got a second suction cup no dash cam and was told it was human error and yet have I seen a dash cam yet discover hasnt done anything on these. Ill just start using my other cards as I can see this particular company you can show them all the proof in the world and they dont care.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-03
Company: Experian Information Solutions Inc.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-27
Company: Social Finance, Inc.
State: WA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I have a SoFi Money account. Your security team restricted my account and I am unable to access my funds that I need to make a payment on Monday. You support was supposed to reach out to me to help me but hasn't responded till now. I was supposed to be contacted on Monday or Tuesday but no one has contacted me even after 5 days of freezing my account and there is no explanation. Your front line customer service has no idea ( in their own admission ) of what is going on and your security team is unreachable ( who has placed a freeze on my account ). In the midst of this, you are holding my life savings of {$76000.00} hostage with no way for me to make any payments or giving any information what happened to my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-30
Company: Block, Inc.
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
I have a cashapp account with the cashtag XXXX XXXX Ive been trying to transfer my funds from the account since XXXX which is XXXXXXXX XXXX i dont have access to the phone number connected on the account. I have contacted support several times to help me transfer my funds to current cashapp account. I been told due to security issues the attempts has all been unsuccessful this has been causing me to Miss bill payments for years now. Its very frustrating and this is my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-30
Company: Chime Financial Inc
State: NV
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
Chime Bank prepaid account XXXX XXXX prepaid debit account Dated XXXX XXXX XXXX Amount {$1300.00} XXXX  XXXX XXXX XXXX The actions were taken by account owner to contact bank for a replacement debit card for both accounts my data, phone calls, emails and messages have been redirected XXXX XXXX is a witnesses consider to be responsible party to the victim record show a switch that has been downloaded and is punishable by the law and is considered to injustice

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-04
Company: SIMM Associates, Inc.
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
This submission is NOT from a third party. I, XXXX XXXX XXXX XXXX the natural person, consumer, & agent is currently being suppressed by not being able to exercise my rights as a federally protected consumer. On XXXX I sent out a Debt Validation letter along with a cease & desist with requested information via certified mail to SIMM ASSOCIATES INC. for debt validation purposes. Im not asking for verification of an alleged debt, Im requesting information to validate the alleged debt. I gave them 30 days upon receipt to investigate information & send requested information. They received my request on XXXX. They are now 30+ Days late. They have repeatedly harassed me with communication in the past without proper validation. All references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately. Can I get some assistance with this issue? Thanks. I will attach attachments

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-30
Company: EdFinancial Services
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I received a letter from the XXXX XXXX XXXX XXXX on XX/XX/23 that my loans were all forgiven. I also received a letter from ed financial on XX/XX/23 stating that this was inaccurate information because it was not covered by my borrow defense claim ( Application # XXXX ). This claim is in regards to DeVry Universitys Sweet v. Cardona case and all my loans should be forgiven.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-30
Company: Block, Inc.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I made a purchase online to a site that happen to look like a XXXX site I was charged for the XXXX but I never got any word from this transaction after I paid {$79.00} for what was supposed to be a electric scooter that I never got or saw my money back from since XX/XX/2023 I sent them emails and I tried requesting my refunds for the purchase I was never given I even contacted my bank and they haven't done a thing but have me waiting and they built up a case on this and its been 7 days with no solution

Company response to consumer: Closed with explanation