BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-31
Company: Chime Financial Inc
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I had fraud on this account. I disputed the charges that were over {$1400.00} and was denied my claim. I have tried to close this account before this happened because this happened to me before with chime. Chime refused to close the account. I have talked to the XXXX about this and unfortunately the XXXX  says they can not enforce anything and told me to contact CFPB. Chime will not credit me the funds fraudulently taken, and ask me to prove that the charges are fraudulent. I have sent bank statements from the bank I use to prove that I do not use chime anymore, and I have went to the merchant while on the phone with the claims department. They still tell me that they will not do anything to give my money back. I want my XXXX dollars back and this account closed. I have already had the claim reopened for them to tell me the info I sent was irrelevant.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these accounts as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an immediate update of the following erroneous information on my credit report : 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 non-monetary relief
Consumer complaint received 2023-05-07
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:
There are late payments being reported inaccurately on my 3 consumer reports. They're all reporting something different ( XXXXTUXXXXXXXX  ). I have reached out to all creditors and 3 bureaus and all give me the run around

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 2023-08-14
Company: Bridgecrest Acceptance Corporation
State: IL
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 ask the finance company to not share my personal information, such as my experiences and transactions and they continue to do so without my permission. They lied and said I signed a contract giving them permission to do so. Its no where in my contract and its an invasion of my privacy.

Consumer Law 15 usc 1681 A ( 2 ) a1, also 15 usc 6801, and 6802, 15 usc 1681 B. They have broken and violated my consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
Despite multiple written requests, the unverified account listed below continues to report on my credit report in violation of federal law. I sent a letter to the 3 credit bureaus but I never received a response from them. This account must be validated by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If they do not validate this account, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 
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
Consumer complaint received 2022-07-13
Company: GATEWAY FIRST BANK
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
This complaint is not a duplicate. It is in reference to a previous complaint against Gateway Mortgage ( XXXX ). XXXX XXXX ' letter contained false and misleading statements and the case was closed based off of his letter. I am attaching my written complaint along with physical evidence.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-27
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
My problem is with Equifax not providing me with my credit report. I have filed a dispute with them and they in return provided me with a dispute confirmation number. I am still unable to access my report even with their provided confirmation number. I enter in the confirmation number and all my personal information like SS # name address phone number then they start asking questions about accounts and loans that have nothing to do with me and in the end say they can't confirm my identity. If they have all this info and say they can't confirm my identity, then they are falsely representing who I am and my account activity if they can't verify who I am. So what I'm saying is their information is so erroneous they can't verify who I am then they can't accurately report my credit but because they won't give me access to my report I can't properly dispute the bad information they have in my file. According to FCRA they have to verify all information and remove any incorrect, incomplete or false information.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-26
Company: EQUIFAX, INC.
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:
As of XX/XX/2019 the account in question is reported as a derogatory account. It is also reported as a paid Charge off account. When in fact this account has been paid on time from my bank account directly to the lender for over 2 years. This activity and history are shown in the history of this account. I have a copy of the history of this account and it can be shown that the account was not discharged or dismissed. This account has not been paid from a bankruptcy plan and should not be in that status.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Date of inquiry XX/XX/2023, Company who processed fraudulent inquirie XXXX XXXX XXXXXXXX, Address XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX, IN XXXX Request Originator is fraudulent I have already contacted all 3 credit bureaus and reported this fraudulent activity that was not authorized by me or attached to any open account. 

I am contacting you guys to have this fraudulent inquiry removed.

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 2022-07-13
Company: Synovus Bank
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:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as wilful negligence and non-compliance with federal statutes.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-29
Company: Account Control Technology, Inc.
State: IN
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
As of XX/XX/2019 there is a collections account from your company showing on my XXXX and XXXX reports for {$6000.00} with XX/XX/2019 as the date opened. I am writing to demand that you delete any and all collection accounts associated with this account and remove this account from all credit reporting bureaus, as you have violated my rights under the Fair Debt Collection Practices Act. 
First, I have never owed XXXX any money, and I have received no mail from them requesting money from me. On your companies end, I have received no notice from you regarding the debt this is a violation of FDCP.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-27
Company: Experian Information Solutions 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:
THERE ARE XXXX HARD INQUIRES ON MY REPORT THAT HAS COME FROM IDENTITY FRAUD AND I WANT TO HAVE THEM REMOVED. ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2022-07-13
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: Was not notified of investigation status or results

Complaint:
Dear CFPB I need help regarding this inaccuracies on my credit report. I need to have this account corrected as soon as posible for it is hurting my credit.

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 2019-10-29
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: MD
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX XXXX , XXXX on behalf of XXXX XXXX XXXX ( Hsbc Bank Nevada, N. A.  {$3000.00}. Notice Of Judgement Collection. I contacted an Attorney and Submitting A Letter Of No Responsibility for Debt due to Identity Theft Or Fraud ( HSBC Bank Nevada N.A.  - Acct. # xxxxxxxxxxXXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-03
Company: Experian Information Solutions Inc.
State: RI
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:
I filed XXXX XXXX XXXX XXXX of XXXX  and have worked with a law firm to repair my credit. XXXX is showing a collection status from XXXX  XXXX XXXX XXXX. Due to this item being on my report it is causing me to lose out on career opportunities as well as being denied future credit. Per the U.S.C 1681 section 602A. States I have the right to privacy. 15 U.S.C 1681 Section 2. It also states that you can not furnish an 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 2019-11-02
Company: Experian Information Solutions Inc.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
Good Morning, Today Experian emailed me stating that there was a change on my credit, knowing that I have not touched any part of any credit anything I was extremely alarmed so I called the number Experian provided, the number they told me to call and the number just routes me to an automated service that sends me back to the website, after hours of trying to reach a live person to no avail I have emailed them up to 50 times with no response ... 

I have been VERY diligent about my score because I have been trying to buy a home so as you can see I would be VERY VERY on edge if something were to affect my credit. 

experian reached out with a number that will not allow me to do anything but go online THIS IS UNBELIEVABLE THIS IS HARRASSMENT THIS IS INSANE WHY DID THEY EMAIL ME A PHONE NUMBER THAT TELLS ME TO GO ONLINE AND WHEN I GO ONLINE THEY TELL ME TO CALL!!!!!!!!!!!!! 


I WANT ANSWERS - I WANT AN OFFICIAL COMPLAINT AND OFFICIAL ACCOUNTABLILTY EXPERIAN HAS TOTAL ABSOLUTE CONTROL OVER MY PERSONAL FINANCIAL WELL BEING AND THEY ARE ABSOLUTELY UNPROFESSIONAL, NOT AVAILABLE AND WREAKING HAVOC ON MY PERSONAL WELL BEING THIS WEEKEND BECAUSE WHO COULD RELAX OR HAVE ANY PEACE WHEN THEY SOLICIT YOU TO CALL THEM BECAUSE OF NEW ACTIVITY THAT IS DEROGATORY AND WHEN YOU CALL THEY TELL YOU TO GO ONLINE AND WHEN YOU GO ONLINE THEY TELL YOU TO CALL THEM???????!!!!!!!!!!!!!! 

WHAT THE XXXX XXXX?????? 
THIS IS PSYCHOLOGICAL WARFARE THIS IS CRAZY

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 2023-04-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
On XX/XX/XXXX I contacted XXXX XXXX certified mail to inform them of inaccurate information listed on my credit report. XXXX responded to my letter XX/XX/XXXX to inform me that the account was charged-off XX/XX/XXXX and SOLD to XXXX XXXX XX/XX/XXXX . I will be sending out my dispute letter enforcing my consumer rights to XXXX XXXX directly as well and I will be filing a complaint with the attorney general. My rights as a consumer have been violated by furnishing my information without my consent as well as many other violations that will be stated in my letters. XXXX should be held responsible.

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 2022-05-31
Company: SYNCHRONY FINANCIAL
State: OH
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
I previously logged a complaint with the CFPB regarding the failure of Synchrony Bank to release a claim for a Pay Pal Credit account. I given the name and phone number of a bank representative : XXXX XXXX Senior Specialist, Corporate Consumer Relations Synchrony Bank XXXX : IID XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Telephone Number ( XXXX ) XXXX, extension XXXX XXXX sent a reply to CFPB stating someone tried to reach out to me via phone. I did not receive any messages from Sychrony Bank. In Synchrony 's reply to the complaint I was informed that I needed to fax my memorandum title information to the lien department of Synchrony Bank. I faxed the information multiple times before and after the complaint was filed and Synchrony responded to the complaint. As of this date XX/XX/2022 there has been no release of lien or release of claim submitted to the state of Ohio or directed to me.

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 2020-11-11
Company: EQUIFAX, INC.
State: IN
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:
on XX/XX/2020 I mailed in dispute letters to Equifax, XXXX and XXXX. Regarding inaccurate information and clear violations of the FCRA 1681 AND 1681b I never gave any of the companies listed above WRITTEN CONSENT to furnish any of the accounts or information I'm disputing. I am also a victim of the Equifax data breach.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
RE : XXXX CARD XXXX Never late on this account. Paid as agreed. On time. 

Over thirty days ago, I wrote to Credit Bureau my disputing letter for account above. As of todays date, Credit Bureau has not responded to my dispute and therefore must remove from my credit file all information disputed in my correspondence. 
Under the Fair Credit Reporting Act, your bureau was to have completed its reinvestigation of disputed information within 30 days. This XXXX mark has come and gone without any response from your office. 
I am requesting your assistance in the verification of the removal of the disputed data from my credit report. Please send to my address provided above an updated credit report at no cost to me as proof that these items have been removed. 

Thank you for your attention to this matter. I await response.

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 2023-10-12
Company: EQUIFAX, INC.
State: FL
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 am requesting again in regards to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items are 100 percent true, accurate, correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct and update these items and fix negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-31
Company: Bridgecrest Acceptance Corporation
State: GA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
SEND TO ME EVERY DOCUMENT PERTAINING TO THE ACCOUNTS BELOW THAT YOUR AGENCY USED TO VALIDATE THE DEBT. Provide me a copy of when I sent a written permissible purpose to validate the alleged debt. Please provide a audit trail for the alleged debt. If every piece of documentation can not be provided the account must be removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-29
Company: Experian Information Solutions Inc.
State: SC
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 a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. 

This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX breach 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 non-monetary relief
Consumer complaint received 2023-04-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
i have received my credit reports today and worried to see that so many negative accounts are reporting on my credit report. I tried to contact transUnion, XXXX and XXXX through disputes to investigate my disputed accounts which are wrongly reporting on my credit report but they did not investigated well, neither they send me back investigation results. i am requesting through your portal to please forward my disputes to them as ask them to start their investigation

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