BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-06
Company: Experian Information Solutions 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:
I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
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

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 2023-06-28
Company: EQUIFAX, 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'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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-28
Company: EQUIFAX, INC.
State: NJ
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 XXXX, XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX XX/XX/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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-27
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: Investigation took more than 30 days

Complaint:
THE COMPANY WHICH IS LISTED HAS FAILED TO ASSIST ME WITH MY PROBLEM WHICH HAS CAUSED LIFE VERY STRESSFUL AND HAS CAUSED ME TO LOSE MY JOB AND BEEN LOSING ON ALOT OPPORTUNITY. 

XXXX XXXX  Account number XXXX Date opened XX/XX/2015 Balance {$3800.00} XXXX XXXX XXXX XXXX XXXX, DE 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 2022-09-16
Company: TRUIST FINANCIAL CORPORATION
State: VA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I recently received a late payment notice from Truist Bank for my car loan. The payments are automatically sent from my online bill pay ( also with Truist ). I keep plenty of money in the account and have the payment sent to arrive by the XXXX of the month. The payments are not due until the XXXX of the month. As such, the payment should not have been late. 

I contacted Truist and explained the situation. They looked into it and advised me to stop payment on the check and pay via direct transfer. I did so. Later, they did try to deposit that check and since it had been stopped, they charged me a check return fee. 

The next month, I visited the branch on the XXXX because I was worried about the situation. They told me that the payment hadnt been receive for that month either. I know it had been sent from my bill pay to arrive by the XXXX. 

I talked with the branch manager, and was told that they are three weeks late posting payments when the check is sent from a Truist checking account to the Truist loan department. I believe this is an unfair banking practice as I am being charged late fees as well as stop payment fees. It is my understanding that financial institutions are required to post any deposits or payments within a reasonable period of time. I dont feel like three weeks is a reasonable period of time. 

Im concerned about the late fees and Im also concerned that this may adversely impact 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 2023-03-02
Company: Experian Information Solutions 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: Public record information inaccurate

Complaint:
I SEE THAT THERE ARE PUBLIC RECORD THATS SHOWING ON MY CREDIT FILE I NEVER HAD ANY PR, SO I WOULD LIKE TO SEE THAT THIS MATTER IS UPDATE AND REMOVE ASAP. 

XXXX XXXX XXXX  ACCOUNT # XXXX XXXX XXXX XXXX ACCOUNT # 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 2023-02-26
Company: Affirm Holdings, Inc
State: GA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Getting a line of credit

Complaint:
On XX/XX/2023. I experienced an adverse action from the assigned Creditor ; Affirm Incorporation for exercising my right in good faith for an extension of credit and my right to privacy during this consumer credit transaction. 

DEFINITIONS ( BELOW ) The definition of Creditor Pursuant to 15 USC 1691a ( e ) - means any person who regularly extends, renews, or continues credit ; any person who regularly arranges for the extension, renewal, or continuation of credit ; or any assignee of an original creditor who participates in the DECISION TO EXTEND, renew, or continue credit. 
According to 15 USC 1691 ( e ) any assigned Creditor who fails to comply with any requirement imposed under this subchapter shall be liable to the aggrieved applicant for any actual damages sustained by such applicant acting either in an individual capacity or as a member of a class. 

Affirm discrimination practices violated the Equal Credit Opportunity Act and the Fair Credit Reporting Act. Affirmed mention that my interest in a loan was denied. I did not apply for a Loan, I applied for extension of credit which can not be denied under the Equal Credit Opportunity Act. Pursuant to the FCRA, Affirm should have offered the consumer an opportunity to show other means of a credit report that holds more positive credentials than a negative report unfortunately, Affirm fail to comply with that subchapter who was the assigned creditor when I applied for the extension of credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-20
Company: BlockFi Inc
State: OR
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
Issued withdrawal on BlockFi account on XX/XX/22 at XXXXXXXX XXXX XXXX, prior to BlockFi announcing withdrawals was no longer offering withdrawals until further notice on XX/XX/22 at XXXXXXXX XXXX XXXX. I called on XX/XX/22 to phone support and could not get through. Phone support has ceased. I created XXXX tickets ( XX/XX/22 ; XX/XX/22 ; XX/XX/22 ) and have not heard back from BlockFi. Withdrawal status is " Pending '' as of this writing.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-10
Company: Experian Information Solutions 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:
I received a postcard that stated I was included in a class action lawsuit against XXXX  because since XX/XX/2013, I received a Notice of Our Plan to Sell Property letter after my vehicle was repossessed, which had a vehicle sale date that contained the phrase on or after. 

The settlement was APPROVED by the Court and therefore ; XXXX is required to waive my deficiency balance and request that credit reporting agencies DELETE ALL trade lines associated with my account. 

Neither of these has been done.

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 2023-06-07
Company: Experian Information Solutions Inc.
State: GA
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 a account named XXXX  under account number XXXX being reported by both Experian and XXXX. Both accounts have been disputed by me to espirian and XXXX and said disputes were denied and all information in credit report was deemed correct and verified by both agencies.Both reports are being said to be tru and correct. Contrary, both reports differ in _______ different ways but yet both are considered verified and updated. Each report has different information reporting. Since this is the case, both reports can't be correct and verified as accurate. The errors showing on both reports are : One ( 1 ) - Experian report shows high balance as XXXX and XXXX shows high balance as XXXX. Two ( 2 ) - Espirian report shows date of last activity as XXXX and XXXX shows date of last activity as XXXX. Three ( 3 ) - Espirian report shows date of last payment as XXXX and XXXX report shows date of last payment as XXXX. Four ( 4 ) - Experian report shows last payment made was on XXXX. Contrary, in or on same Espirian report, in the 2 year pay history calendar, it shows last payment made was XXXX. Both can't be correct. Five ( 5 ) - XXXX report shows last payment made was on XXXX. Contrary, in or on same XXXX report in XXXX history calendar, it shows account was 60 days late in XXXX. Both can't be correct either! Six ( 6 ) - Espirian report says XXXX was paid/ o.k.. XXXX report says XX/XX/22 was 30 days late. Both can't be correct. Seven ( 7 ) - Espirian  report shows XX/XX/22 as 30 days late and XXXX report shows XX/XX/22 as 60 days late. Both can't be correct also! Both reports show 7 errors that can't be verified by Espirian or XXXX as true or correct when both reports differ greatly and have such a high amount of errors for dispute.

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 2019-04-02
Company: ALLY FINANCIAL INC.
State: AZ
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:
XX/XX/2018 XXXX XXXX in XXXX Arizona tried running my credit when I did not authorize them to. I was attempting to purchase a car from them. But the payment was to high I left and this hard inquiry has remained.

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 2020-08-28
Company: Oklahoma Student Loan Authority
State: NM
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I was attending XXXX University and taking online classes and before I completed my degree I ran out of financial aid. I am certain, when I read how much financial aid I had it said life time.. anyway they wanted me to start paying them out of pocket.. If I could do that I would not be on financial aid..I was almost done when this happened ..They had sent me an email that My next payment was XXXX dollars.. I was so close on finishing.. but because I couldnt pay I just quit being that I was so discouraged. How was I suppose to come up with that amount..I need to get access to my history on all my classes that were payed, at times I saw that I was being charged twice or three times for a class. This University was put on probation during the time I attended.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-02
Company: Chime Financial Inc
State: WY
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
My friend talked me into to switching to Chime from XXXX XXXX  about 2 months ago. I made the switch, withdrew money from and closed my XXXX account. Then, I deposited all of my cash ( over {$5000.00} ) into Chime and redirected my XXXX benefits to direct deposit into Chime. After several weeks of using the account without issue I made a {$700.00} cash deposit into the account and they suspended it 20 minutes later claiming suspicious activity on the account. They asked for a slew of documents and pictures of me with my ID, BC, SSC, etc. All of which I submitted within an hour. They then held my funds in limbo for over a week before telling me my account was closed and I was not eligible for a refund. They literally stole all of my money from me, everything I have! They are refusing to refund my money and continue to redirect me to their Account Agreement, Section 9 which specifically states that I am entitled to a refund. They also refuse to elaborate on how I violated their terms of use policy. This is not an isolated incident, they have thousands of complaints such as this all over the internet. 

My balance at the time my account closed should have been XXXX I also had a XXXX XXXX account that should have had nearly {$300.00} on deposit. 

I can not get exact balances as they have refused to give me any information regarding the account/ The suspension was placed on XXXX and the account was closed on XXXX with an e-mail telling me I am not going to be refunded. 

I reached out to them and they told me to send an e-mail to XXXX which only generates scripted responses that are not helpful in any way.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-16
Company: CITIBANK, N.A.
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
XX/XX/XXXX - Dispute was filed XX/XX/XXXX - Merchant responded with incomplete data ( missing proof ) XX/XX/XXXX - I responded wth a seven page response showing : What was expected and what was received. Also included correspondence with the merchant. 
XX/XX/XXXX - City investigators responded and asked for proof the merchant said he would refund me XX/XX/XXXX - Citi re-opened the investigation and told me to call back in a week XX/XX/XXXX - Called back to citi. There is no update on the investigation. Told to withhold payment until investigation could be resolved. 
XXXX - Called back to citi. Dispute representative acknowledged that the merchant did not provide the service. She said there is nothing she can do and that there were no supervisors available. 
XXXX - Called back 15 minutes later. Spoke to supervisor -- a work request is issued and a {$100.00} courtesy credit is given. 
XX/XX/XXXX - Called back to citi. Still no word about the work request. Supervisor acknowledges that the dealing given by Regulation Z is in 3 days and that they will miss it. 


The dispute has been going on for over 2 months and more than two billing cycles. Resolution does not seem like it is approaching. A legal demand has been issued to Citi to deliver the investigative information and refund the charges.

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 2023-06-15
Company: SYNCHRONY FINANCIAL
State: GA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Ashley Furniture Credit Card issued by Synchony does not allocate payments across promotional balances properly and does not provide detailed payment allocation on their statements. Payments above minimum due are not applied to deferred interest promotional balance but rather to fixed rate/fixed term promotions making it likely that deferred interest promotion balances are not extinguished by required date. There is no way to direct a payment to a specific promotional balance. Calling the customer service number listed on statement puts cardholder in a cue to sell other products causing multiple calls to reach actual customer service. Problem was resolved after 4 calls to reach and agent and over 30 minutes on the phone.

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 2020-10-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 requested that TransUnion investigate and validate the following accounts reporting on my credit report : I am exercising my right under the Fair Credit Reporting Act, Section 609, to request information regarding an item that is listed on my consumer credit report : 1. XXXX XXXX ( Acct # XXXX ) 2. XXXX XXXX ( Acct # XXXX ) 3. XXXX ( Acct # XXXX ) As per Section 609, I am entitled to see the source of the information, which is the original contract that contains my signature. If you are unable to verify the account with the original contract, the information should be immediately removed from my credit report within 30 days. On XX/XX/2020 I advised TransUnion that previously disputed accounts I don't agree with the results of your investigation. Please mail me the proof of your investigation or delete the negative information for the following accounts : 1. XXXX XXXX XXXX Acct # XXXX ) 2. XXXX XXXX ( Acct # XXXX ) 3. XXXX/XXXX  ( Acct # XXXX ) On XX/XX/2020 I advised TransUnion that previously disputed accounts I don't agree with the results of your investigation. Please mail me the proof of your investigation or delete the negative information for the following accounts : 1. XXXX XXXX ( Acct # XXXX ) 2. XXXX XXXX ( Acct # XXXX ) 3. XXXX/XXXX  ( Acct # XXXX ) On XX/XX/2020 I advised TransUnion that previously disputed accounts I don't agree with the results of your investigation. Please mail me the proof of your investigation or delete the negative information for the following accounts : 1. XXXX XXXX ( Acct # XXXX ) 2. XXXX XXXX ( Acct # XXXX ) 3. XXXX ( Acct # 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 2023-10-03
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-09
Company: Mobiloans, LLC
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I am submitting this consumer complaint regarding an unauthorized payday loan entry, account # XXXX, that was illegally furnished by Mobiloans to XXXX XXXX XXXX 

In XX/XX/XXXX, I formally disputed this loan entry and requested verification from XXXX and the creditor Mobiloans. On XX/XX/XXXX, I received documentation from Mobiloans that purports to show a loan application filed by myself. However, the attached application lists my date of birth incorrectly as XX/XX/XXXX. Additionally, my social security number and drivers license number were obscured and listed as all XXXX XXXX I have never completed any application nor agreed to any such loan terms with Mobiloans. 

Regardless of the inaccurate information on this fabricated application, any payday loan issued to me as a California resident by Mobiloans, which operates under tribal law, constitutes an illegal contract. Mobiloans lacks the California state license required under Financial Code 23005 to legally issue the deferred deposit transaction. 

In summary, Mobiloans maintains invalid and inaccurate loan information furnished without my authorization on my consumer report. 

I request the CFPB take swift action to compel Mobiloans to permanently remove this unlawful debt information and rectify this harmful violation of fair credit reporting protections.

Company response to consumer: Untimely response