BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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  XXXX, Account # 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

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 2023-07-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
The IRS has sent me notice that this account has been satisfied! This account is still being reported as debt and income can not be reported as debt. 

Your company can not report income as debt. This account is settled per IRS and MUST be deleted immediately. 
I did not give permission or written consistent to furnish this information on my report. 
I am a private citizen this is in violation. I have a right to privacy. 

These are the accounts that were excepted by the IRS AND SHOULD REFLECT AS PAID as agreed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  Equity is my GOD GIVEN RIGHT!

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 2022-10-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
It was revealed in my credit report that inquiries are made that I did not authorize, as well as some accounts I wasn't aware of. I would like these accounts immediately remove from my XXXX, XXXX, TransUnion credit reports : In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : -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 NEGATIVE ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 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 2023-08-28
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting 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:
My name is XXXX 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 explanation
Consumer complaint received 2022-03-19
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: Information belongs to someone else

Complaint:
I am inquiring to remove the following info from my credit report. I am a victim of identity theft and did not authorize these charges. I've already reported the theft to the federal trade commission 's identity theft affidavit. I would appreciate it very much as soon as possible because it's a burden for me, I would like to leverage my credit and progress my financial lifestyle as soon as I'm able to remove these fraudulent accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-05
Company: CITIZENS FINANCIAL GROUP, INC.
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I recently opened a checking account with Citizens Bank in XXXX of 2021. I opened this account by clicking on a link that demonstrated a bonus for starting the checking account that included {$100.00}, {$2.00} per transaction made with the debit card for up to 50 transactions. I completed these 50 transactions and then inquired with the bank as to why I did not receive the bonus. They stated that the transactions had to be " in-person '' transactions with the physical card, however, their terms and agreements state that the transactions can be " in person '' or " online '' transactions with the debit card. I called Citizens Bank again to try and rectify this situation, and the representative stated that they could not provide me with the bonus unless I told them over the phone the promo code I used to sign up for the checking account. I asked them why this was necessary, as I must have entered the promo code into their website when signing up so they should have a record of what promo code I used, however, they stated they did not have this information. The promo code was on a mail flyer that I have since thrown away after opening the account back in XXXX. There was no statement on the mail flyer that I must keep that flyer so that I could receive my bonus four months later. I'm not sure what the point of entering the promo code during sign-up is if I just have to recite it again four months later when it comes time to receive the bonus. I completed the bonus requirements and feel as if Citizens Bank wrongfully coerced me into opening up a checking account without providing the bonus they stated they would be providing.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-11-21
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:
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. 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.

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 2023-07-26
Company: Chime Financial Inc
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I have several problems here with a company called Chime there was a scam or hack on my chime account from other company called XXXX XXXX. 
which is left me with no money for 7 to 10 days they refused to send me a card after they canceled my card I wanted the card overnight and they said that it would take 7 to 10 days to get my chime card and mean while I'm suffering because I can't use any money that's in my account and the money is quite substantial.

cooperative they won't give me in a card overnight and I need this in order to survive I have no funds to survive for over a week.

see how this can happen or let or let chime let this happen or cash app with this happen cuz it seemed like it happened overnight I think it was through the through the morning every every 2 minutes either 49 or {$99.00} was taken out of my chime account from cash app I don't even have an active cash app I've complained to cash up about the same problem and giving them the transactions that that I have seen in my my transaction account from chime it seemed it happened from last night to all morning every 2 minutes money was taken out of my account from chime.

so if the substantial amount that was taken out {$100.00} says from the something State Fair.

I need this card so that I can survive it's the only count I have I'm on a fixed income on social Security I'm retired I need this money in my account so I can eat pay for gas pay for bills I have no other way to do anything except for this chime account.

I need this chime card sent to me as soon as possible... 
right now the date is XX/XX/XXXX so this was to happen started to happen sometime early in the morning like XXXX in the morning I think it was through the night somebody's taking {$50.00} every XXXX minutes out of my time account from cash app I gave cash app the transactions and I've already have given the information to chime and complained I need a card overnighter to me so I can pay my bills and eat and get gas. is an awful way to treat customers how am I supposed to to pay bills when you have no access to your money and chime is not helping me they're saying XXXX to 10 days to get a card and I can't wait XXXX days I'm not going to be able to survive 7 days without no money.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-05
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 XXXX XXXX Account # XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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 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 2023-07-27
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:
Hey, I was taken advantage of due to malpractice while several laws were being broken under the FCRA by your company. This has caused me financial injury, defamation of character, I can't get approved for my mortgage or apply for credit/loans. This has really hurt my ability to obtain credit which is needed during this time in pandemic. This is not only effecting myself, but my children and family 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 2021-05-21
Company: Certified Bureau of the South, Inc
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I contacted Certified Bureau of the south on XX/XX/XXXX regarding two accounts showing on my credit report. They were previously disputed and was told both were verified yet XXXX couldnt tell me how they were verified because I was able to provide proof of payment dated XX/XX/XXXX. XXXX has supposedly escalated the issue. 
In my call with XXXX I was told that I didnt owe anything with Certified Bureau of the South and they werent reporting anything. I asked to speak to someone who could look into the issue further and XXXX disconnected the call. I called back several times and no one answered the phone. On XX/XX/XXXX, I had to block my number to get someone to answer my call. I was then told again by XXXX that I didnt owe anything and she had record of my payment from XX/XX/XXXX. When I asked for someone to help with the reporting I was then put on the phone with XXXX who also assured me I didnt owe anything. When I pressured them about my credit report XXXX suddenly found two open accounts that arent linked to my Social security number I explained that the payment was made for them in XX/XX/XXXX. She had record of my payment but wasnt sure why these were still showing up. I again asked to speak to someone who could correct the matter and XXXX then said she would have to have someone call me back. 
I have not been contacted and they no longer answer the phone when I call. I have proof of payment from Chase bank made in XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-26
Company: SYNCHRONY FINANCIAL
State: CO
Product: Debt collection
Sub-product: Credit card
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
I got a carcar card for a downpayment on a car that I got XX/XX/2015 the amount it was for was for XXXX and I never got billed for it at all I pulled up my credit report and came up there for a total of XXXX it was through synchrony bank and they sold it to a third party collector called XXXX XXXX XXXX a collation company I contacted synchrony bank and they told me they had never billed me because did n't have my apt number or phone number. I am well aware that I have to pay the amount of 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 monetary relief
Consumer complaint received 2021-05-08
Company: EQUIFAX, INC.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Previous dispute with XXXX XXXX. I was sent a letter from XXXX XXXX on last dispute, which CLEARLY states incorrect COMPLIANCE DATE/DOFD! This letter claims DOFD to be XX/XX/XXXX. My report, and payment history REPORTED by XXXX XXXX CLEARLY states DOFD  as XX/XX/XXXX! This is over a year discrepancy, and is ILLEGALLY RE-AGING MY ACCOUNT! 2 attached file will CONFIRM! This is a violation of my rights! Remove account IMMEDIATELY!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-10
Company: Navient Solutions, LLC.
State: AZ
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:
XX/XX/XXXX : I took out student loans to attend XXXX XXXX in XXXX  XXXX, CO. I was told they were Federal Student Loans ( FSL ) & were eligible for any and all protections/services as they were FSLs. The servicer was XXXX XXXX. 
XX/XX/XXXX I filed XXXX  XXXX bankruptcy ( XXXX District of XXXX  ) and the student loans were included in the bankruptcy proceeding. The student loans were transferred from XXXX XXXX to XXXX and updated to reflect the bankruptcy claim XX/XX/XXXX ( see attached student loan data from studentaid.gov with a breakdown of 3 FFEL student loans that were serviced by XXXX XXXX, transferred to XXXX, and included in bankruptcy. 
XX/XX/XXXX I received a bankruptcy discharge. XX/XX/XXXX the FFEL loans were put into repayment by the servicer. When I contacted them by phone, they stated that student loans are not dischargeable in bankruptcy & I was required to pay on the student loans. From XX/XX/XXXX through XX/XX/XXXX, I was unable to pay and these loans were in deferment or forbearance. I began repayment, despite the bankruptcy discharge more than 3 years prior. I continued to pay several years. In XX/XX/XXXX, there was a payment & interest pause announced to assist student loan borrowers during the Covid emergency. When I contacted Navient, I was told that my loans do not qualify for payment pause and interest would continue to accrue. Despite multiple lawsuits against Navient and XXXX XXXX, I somehow was unable to get relief from the predatory loans, serviced by predatory lenders, practicing illegal collection activities of duly XXXX loans, for a school that was shut down due to their illegal, deceptive, and fraudulent practices. I inquired with Navient countless times about relief that was being granted to borrowers who were defrauded by XXXX XXXX and Navient. Every single time, Navient told me that I did not qualify for any relief and I was still obligated to pay. 
The FFEL loans were paid off in XXXX. These loans that should not have ever been collected on. The federal government is now discharging and refunding borrowers who are in my exact situation, however, I never seem to qualify for any of the discharges, refunds, or other relief provided to those in my situation. I filed a borrower defense claim XX/XX/XXXX ( application # XXXX ) and am a post-class member of the Sweet v. Cardona case. Additionally, I was advised my loans *should* be part of Manriquez v. Cardona . 
Despite all of the steps I have taken to obtain relief from Navient and XXXX XXXX, I was forced to pay thousands of dollars for student loans that were discharged in bankruptcy, part of multiple class action lawsuits, to servicers who were sued by multiple government agencies. 

https : //www.consumerfinance.govXXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-14
Company: Experian Information Solutions Inc.
State: NY
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:
Ive been in communications with Experian about inaccurate personal information on my credit report. Even after notifying them many times about this error they are reporting this incorrect information on my file. Not only is it unfair, its also illegal. Please find attached.

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 2023-11-30
Company: Monterey Financial Services LLC
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXXXXXX XXXX XXXXXXXX is a company that has scammed me and my family and so many others. They promised certain benefits if you sign up with their company ; top hotels at discounted prices, discounted flights, but it was all a lie after I signed up with them. They use Monterey Financial Services as their payment service company and now they have sent me to collections because I refuse to pay for services that were falsely advertised. They charged me {$110.00} for four months ( XXXX - XX/XX/2023 ) then disputed with my bank after trying to work things out with this company only to find that everything they represent is a scam. My bank was able to get me 3 months of charges back. I have disputed with XXXX but for some reason the delinquency is still on my credit. I have exceptional payment history and I pay on time to all of my creditors and it dropped my credit score XXXX points from XXXX to XXXX all for a company that is scamming people. Please help protect me as a consumer. Please look up XXXXXXXX XXXX XXXXXXXX on XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am writing to dispute the inclusion of this bankruptcy on my credit report. The dates filed and reported, as well as the closing dates, do not align. This situation is highly concerning as I possess a letter from the court clearly stating that this bankruptcy should not be reported to you. Furthermore, the involvement of an unauthorized third party adds to the absurdity of this situation.

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 2022-05-20
Company: EQUIFAX, INC.
State: IN
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:
remove late payments, payments never late XXXX Potentially negative Date opened XX/XX/XXXX XXXX - XXXX XXXX, XXXX. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$9000.00} Status Open. {$580.00} past due as of XXXX XXXX. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$1200.00} Status Open. 
XXXX XXXX XXXX SIMPLE Potentially negative Date opened XX/XX/XXXX Balance {$1700.00} Status Open. {$570.00} past due VCRA violations : addresses not mine XXXX XXXX XXXX XXXX XXXX  XXXX, IN XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX XXXX IN XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX XXXX IN XXXX Resident type Apartment complex

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-15
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 would like to complain about the closed accounts thats on my credit report those accounts are closed and still reporting negative information on my and its against the law I have rights FCRA 15 u.s.c 1681i Im telling yall those closed and negative accounts are not mines there are do to fraud and the accounts are not mines I dont care how the information matches Im telling you to please remove them close and negative accounts on my account please, please stop updating those fraudulent accounts with my information just please remove them they are not mine and if the accounts are closed how and why are they still reporting on my report thats against the law and Im not stopping until they are gone its not fair to people to be a victim of identity theft and still nobody cares to believe us we have rights please stop updating the accounts wit my personal information I want them removed off my account please Im asking again and again to remove those closed and negative accounts on my credit report they are not mines

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