BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-17
Company: Chime Financial Inc
State: AZ
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On XX/XX/XXXX I sent a deposit to a cat breeder for a maine coone cat. I found the group on XXXX, contacted the seller XXXX XXXX, she vetted me and answered all my questions. I sent her half, {$600.00}, of the {$1200.00} that was the agreed upon price of the cat with delivery. 
On the day the cat was to be delivered, XXXX XXXX, she messaged saying her child was in the hospital and that she would be a transport service. She informed me they would reach out soon with tracking information. I received a text message with invoice, tracking, and the website to track the cat. I then get a text message from the company stating I need to pay {$500.00} for a temperature controlled carrier, and that the funds would be refunded upon delivery. I was hesitant at first and contacted the seller, she reassured me that I would get my money back at XXXX when the cat was delivered. So I paid the {$500.00}. A few hours go buy, and then the transport company texts me I need to pay another {$450.00} for insurance. At this point I let them know that I would like to cancel and that I will not be paying any money. They contacted the seller, where she proceeded to call me a liar and say I needed to pay. I did not. Than we came to an arrangement of me paying {$100.00} and her {$350.00}, once I paid, her profile was immediately deleted. The tracking number I was given, was no longer valid. And neither is the website or phone number. 
I have been fighting with my bank to prove this was a scam even after sending them all the screen shots of the conversations. They keep denying it saying I paid friends. When i asked to see the documents they used in their decision, it is not any of the documents I sent them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 confidentiality under 15 USC 1681. 

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, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 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 2022-10-17
Company: EQUIFAX, INC.
State: DE
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 am a natural person, I am a living human being, I have rights under the 15 USC 1681 Equifax is govern by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts listed below be removed According to 15 USC 1681 I have the right to privacy and I did not give Equifax written permission to furnish these accounts. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-07
Company: EQUIFAX, INC.
State: LA
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 sent a letter to Equifax to reinvestigate some items on report and on XX/XX/2023 Equifax sent a letter advising all items on credit report were correct and accurate, but how is this so when I checked my checked my credit report and there were several inaccuracies on these accounts XXXX account number XXXX, XXXXXXXX XXXX XXXX account number XXXX, and XXXX account number XXXX. Below show all the inaccuracies on these accounts I noticed after Equifax completed their investigation. 

XXXX account number XXXX is reporting date last active XXXX with Equifax and XXXX with XXXX. It also says last reported is XXXX with Equifax and with XXXX it is last reported XXXX. It also says date of last payment is XXXX with Equifax and with XXXX is say date of last payment is blank with a line. All of these items of information is found to inaccurate are reporting inaccurate and not 100 % accurate reporting on my credit report. 

XXXXXXXX XXXX XXXX account number XXXX is reporting date opened XXXX with Equifax and with XXXX is reporting date opened XXXX. It is also saying last reported XXXX with Equifax and with XXXX it says last reported XXXX. It also says date last active is XXXX with Equifax and with XXXX is says date last active is XXXX. It also says date of last payment is XXXX with Equifax and with XXXX is says date of last payment is XXXX. All of these items of information is found to be inaccurate between the two bureaus and not 100 % accurate reporting on my credit report. It shows a balance of XXXX. 


XXXX account number XXXX is also inaccurate showing charge off with a balance of {$14000.00} and last active date is XXXX and is showing Last Reporting date XXXX and was charged off before XXXX, which is inaccurate item of information and not reporting 100 % accurate with Equifax . 

I then sent a letter to Equifax on XX/XX/2023 to delete all 3 of these accoun

ts because there were not 100 percent accurate and should be deleted immediately according to Consumer Law 15 US Code 1681s-2 Responsibilities of furnisher of information to consumer reporting agencies Consumer Law 15 US Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information. Equifax then sent me a let
ter updating the inaccurate information, which I didn't ask them to update but to delete and according to the two consumer laws l mentioned above these items should have been deleted not updated. I have attached a copy of the letter sent to Equifax to delete all 3 accounts because they were not 100 percent correct and my correct report should be 100 percent accurate and a photo copy of my report showing the inaccuracies of all three accounts listed above which was pulled after I received the results from equifax advising that their investigation was complete and correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-03
Company: SUNTRUST BANKS, INC.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
I received a debit card and pin number for an account from SunTrust bank that I never requested. I called to report it and they told me I had to visit a local branch to file the complaint. The closest branch is more than 1000 miles away. After much insistence they told me they would report it and I would get a letter in 30 days. To my knowledge no bank should be allowed to open an account without the verification of some sort that the person opening the account actually wanted the account. This is a complete failure of this banking institutions to perform it's due diligence which impacts me the consumer and not the banking institution. This must be stopped. In the mean time they can not tell me anything about how this account got opened, if there was any activity on it. If it has been reported to the credit bureaus or anything because they are not permitted to share with me any of the information they have about 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 2023-03-17
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on 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 2022-10-17
Company: Experian Information Solutions Inc.
State: NY
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 keep sending mail but I am not getting any responses so I decided to file this complaint. My name is XXXX XXXX and I am the one filing this complaint not some company or not any other third party. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

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 2023-09-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I've been asking the bureaus for information for quite some time and they haven't answered me. It happens that some accounts are wrong in my report, some I don't even know where they come from, I'm really lost. I would like their collaboration so that they respond 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 non-monetary relief
Consumer complaint received 2015-05-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
I have an account with TransUnion that allows me to view mt credit report and credit score. The score that Transunion publishes is called a XXXX ( TM ). They listed my score as XXXX. I contacted a mortgage company for a Refinance, and they told me that based on their model, my score is XXXX. Even though I understand that there are different criteria and methods for calculating a score, one would not understand there could be such a large discrepancy. I was mislead by the high score calculated by Transunion criteria. Now I am at a great disadvantage having made plans to refinance at this time.What recourse do I have, since I am dissatisfied with the service I have paid for with TransUnion for XXXX years at {$17.00} per month? By the way- the lender called the scores entered by the credit bureau services " FAKE-O '' scores instead of FICOH scores. It seems very unfair, how can consumers play this game if we are not on a level playing field.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-06-03
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act, XXXX  Account # XXXX, XXXX  Account # XXXX and 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 an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-17
Company: Bread Financial Holdings, Inc.
State: TN
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
COMENITY BANK/NY & CO stated that they would remove this negative account/information once paid in full. This account was paid in full in 2015. This debt is CURRENTLY being listed as CHARGED-OFF debt, when in fact it should state " PAID OFF '' debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I notified on XX/XX/XXXX that my Federal Student Loans were forgiven as of XX/XX/XXXX. I received a letter from XXXX that the Biden- Harris Administration forgave my loans, contacted the credit bureaus before the end of XXXX XXXX. 

I reached out to XXXX and TransUnion. XXXX was corrected. TransUnion has corrected, XXXX is still working on it. I sent letter yesterday with all documentation that should arrive on Friday XX/XX/XXXX. Just got my updated 3 bureau scores and my Student loan is still affecting my credit scores. Even though it was forgiven as of XX/XX/XXXX. 

I inquired to credit bureaus as to how my credit scores were higher with a balance of {$350000.00} on XX/XX/XXXX. My present scores are lower and my debt is now only {$5800.00}. 

My credit report reads : Excellent on all aspects. Except - The remaining balance on your mortgage or non-mortgage installment loans is relatively high. 51 % listed by XXXX. 

The Biden-Harris Administration gave credit to the loan and forgiveness date was 18 months ago on XX/XX/XXXX. 

Credit Bureaus tell consumers we are using to much credit or not using enough. I use my cards and pay them off in full when the bill is due. Why is it held against me? 

Why if my loan is forgiven, is it still showing payments on my credit report up to and including XX/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 explanation
Consumer complaint received 2022-02-01
Company: WELLS FARGO & COMPANY
State: TX
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 reported a credit card charge of merchandise I did not receive to Wells Fargo, the issuer of a Wells Fargo Active Cash credit card, on XX/XX/XXXX. I informed the company that I bought the item online on XX/XX/XXXX and had not received the item as of XX/XX/XXXX, and the merchant was refusing to issue a refund. Wells Fargo assigned the dispute a number of XXXX. The disputed amount is {$130.00}, which posted to my credit card on XX/XX/XXXX. As of XX/XX/XXXX, more than 90 days after I reported the charge, Wells Fargo has not resolved the dispute. I've inquired about the dispute several times for an update and was told that Wells Fargo was waiting for information from the merchant. Wells Fargo has only issued me a temporary credit and every few days, I receive an automated email stating the company is still working to resolve it. Two billing cycles has passed, and it has been 90 days since the company was notified of the dispute. I've also contacted the complaint department at Wells Fargo to submit a complaint and received an overnight letter from their mortgage department. I don't even have a mortgage with Wells Fargo. I am getting nowhere.

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 monetary relief
Consumer complaint received 2023-03-17
Company: Experian Information Solutions Inc.
State: MD
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:
Experian deliberately re-aged a PAID XXXX XXXX  XXXX Charge-Off account. 

The account was completely paid off in XX/XX/2021, but Experian placed a new " Charge Off '' mark on my account the same month. ( I have attached documentation to prove this. ) This is a clear violation of the FCRA.

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 2017-12-13
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Chase chose to shutdown my Chase XXXX XXXX on XXXX XXXX, 2017. They sent a letter in the mail with the shutdown and did not provide a reason. I have attached a copy of the letter that was sent me. 

The main text describes : " After careful consideration, we closed your credit card account on XXXX XXXX, 2017, because our affiliate is ending its banking relationship with you. '' There was no more details about the shutdown In my XXXX years as a customer all payments were made to the card, the account was delinquent in any way. 

I would to speak to a representative from the XXXX XXXX to see if I can provide any information to adjust or change this situation. I was a proud and happy customer using the Chase XXXX for my everyday business needs.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-17
Company: Experian Information Solutions Inc.
State: FL
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:
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 XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Amount XXXX XXXX XXXX XXXX XX/XX/XXXX Car Insurance Amount XXXX I got sick with XXXX which i had no control over i could not work once i was able to go back to work i paid vehicle off they told me once i pay auto loan off they will remove the account off my credit they never did Please consider having this removed off my credit my life was turned upside down due to XXXX I am trying to rebuild but this is a stumbling block I disputed this several times no action was taken it is included on all three credit reports Experian, XXXX and XXXX thank you for taking the time to hear me out. Sincerly, XXXX XXXX 15 USC 1681 Section 602 A States I have a right to my Privacy 15 USC 1681 Section 604 A section 2 15 USC 1681 C. ( A x 5 ) 15 USC 1681 S-2 ( A x ) 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 2022-12-01
Company: Experian Information Solutions Inc.
State: MO
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 confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 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 2023-01-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ND
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 name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

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