BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
I have 18 inquiries, from various companies. I havent applied for any credit from these companies. I have expressed that to the companies as well as the credit bureaus. 
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 2023-10-11
Company: MoneyLion Inc.
State: NY
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 have been a consumer with MoneyLion since 2018 and have taken out credit builder plus loans to build my credit and, have made on-time payments, however ; Money Lion continues to report inaccurate information to the credit bureaus and in addition disables my credit line for no viable reason. This is having an adverse effect on my credit and although I have repeatedly contacted them, they continue to report inaccurate information and suspend my account. I am never provided with an explanation as to why this has happened three times, they simply apologize but are damaging my credit. It seems I can only get a resolution through CFPB because the companies do not listen to consumers although we do business with them.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-11
Company: GUARANTEED RATE INC.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I originally filed for a refinance with The owning corporation in XX/XX/21. My refinance was expected to close in mid XXXX. In mid XXXX I was noticed that owning corporation was acquired by guaranteed rate. On XX/XX/21 I spoke with XXXX XXXX in the loan origination department. She assured me the refinance terms would be the same and that my loan would refinance soon. I have yet to hear back from them. I am currently working with XXXX XXXX loan processor ; she is late in getting back to me on the status of my refinance. Please assist me as the mortgage term is set to expire on XX/XX/21. Please assist me with this matter. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-08
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX is reporting an account to all XXXX credit bureaus as a charged off account which i have challenged the 100 % accurate reporting of this account 6 times to the credit bureaus and they always say its verified XXXX accurate well heres proof its not and i am escalating this to the CFPB ... ... this account is Inaccurate. i have pointed the inaccurate reporting to the XXXX credit bureaus as well as discover 6 times in the past year and they ignore it ..by law they are required to report 100 % accurate, verifiable and consistent data between bureaus and they are not.they are reporting XXXX different dates of last payment between the credit bureaus XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX ( 2 year payment history ) this account is re aged.they are reporting 2 different high credit amounts {$7000.00} and {$0.00}. ..they are violating my rights as a consumer Also since they are reporting this as a charged off account they should have send me a copy of the XXXX that was issued to the IRS by law and i never received it... i have attached a copy of proof of this inaccurate reporting

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-31
Company: National Credit Systems,Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I paid for a XXXX XXXX  with XXXX XXXX ( XXXX XXXX XXXX XXXX ) that covered any evictions and other fees up to {$3000.00} dollars. 
Once evicted from XXXX Apartment Homes ( XXXX XXXX XXXX XXXX ) in XXXX my final statement/cost owed was {$2800.00}. XXXX XXXX should have paid that to XXXX but now National Credit Systems is reporting to all credit bureaus that I still owe {$2800.00} to XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX  ) which is untrue because my XXXX XXXX  covered upto {$3000.00}. 

Also, NCS stated in a letter after an my attorney disputed information in XXXX, that the original creditor is Sure Deposit and not XXXX XXXX XXXX XXXX  XXXX XXXX. - attached I have attached my final statement from XXXX and also XXXX XXXX information and the eviction dismissal with no fines owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX XXXX- XXXX XXXX Late Payment You replied that the alleged transaction that you identified as late is validated. You have no proof that this alleged transaction was late. 
15 U.S. Code 1666b - Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

In order for any creditor to treat a payment as late you must prove that : 1 ) The information required under 15 USC 1637 ( b ) of this title was mailed out or delivered 21 Days before the payment due date please provide the proof that this information was mailed out or delivered 21 days before the statement date. 
2 ) 15 USC 1637 ( b ) is very specific on all required information needed or that must be mailed or delivered to the consumer! 
You have 10 days to send me all the required information. 
XXXX XXXX your reply to my dispute is Verified, have you verified what the requirements are for a creditor to treat a payment as late? The fact that you verified the information means that you are in possession of the information that was sent or mailed 21 Days before the statement date, and you are in possession of a copy of all information from 15 USC 1637 ( b ) and the Certified mail tracking number that proved the delivery of said information for you to verify this item as late! I am requesting a copy of the information pursuant 15 USC 1637 ( b ) and the tracking number that was used to prove delivery of said information to me the consumer 21 days before my statement date regarding this account. 
15 U.S. Code 1681i - Procedure in case of disputed accuracy ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

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 2023-10-09
Company: Experian Information Solutions Inc.
State: CA
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:
Your recent claims have cast a significant shadow over my financial standing and have the potential to inflict severe harm on my creditworthiness. It is of utmost importance that we expediently and accurately address this situation to prevent any further repercussions. Moreover, I MUST EMPHASIZE THAT I VEHEMENTLY REJECT YOUR POSITION TO DECLINE MY IDENTITY THEFT CLAIM!!! The authority to determine whether I have been a victim of identity theft rests not with your organization but with the established legal processes. Your authority or legal standing does not grant you the right to make such a claim on my behalf. To substantiate the seriousness of my identity theft claim, I am providing you with a legal law enforcement agency report, which was filed with a federal agency. I anticipate that we can resolve this matter within the required 5-day timeframe. Items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please delete these items ASAP.

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 2023-01-23
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Im a victim of identity theft. I notified Experian of this unauthorized account that was opened fraudulent. Ive provided Experian with police report in XX/XX/2019. Ive filed several disputes. Experian continues to report fraudulent information on my credit report. The name of this fraudulent account is XXXX XXXX XXXX ( a debt purchaser ) with the amount of {$18000.00}. This company purchased this fraudulent debt from XXXX XXXX XXXX XXXX. This fraudulent account is on my credit report under collections. Ive suffered for XXXX unable to buy a home or get other credits because of this fraudulent debt.

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 2019-10-02
Company: LPSG
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
On XX/XX/2019 I was contacted by XXXX XXXX XXXX XXXX regarding a debt that I have no acknowledge owing. They told me I was being sued for over {$4000.00}. I never had a debt owing that much in my life! They also informed me that they would be going to my place of employment and serving me with court papers at my job! I informed them that by law I have to be given a written documentation of validation of any debt owed under the fair credit reporting act. I have 30 days to review this information, and have a right to dispute for any inaccuracies. This is the law! They directed me to the new owner of this debt LP services Group. They forced me into settling, but did not keep the agreement. I was put on the spot! Called me up out of the blue and informed me that I am being sued. No documentation on it what so ever! I was informed later that week by the owner of my employer that they called up there threatening the owner to give them my personal contact information. I could of lost my job because of them. I have did some research and they have a lot of different harassment complaints against them. They have fake lawsuit claims, no acknowledge of them even owing these debts, threatening people of a lawsuit that is mis leading, calling up their employer, trying to claim more than what the original debt is owed ( 3 or 4X ). They have violated my rights under the fair credit reporting act, have harassed me, threatened me, and have threatened my employer, and trying to collect 3X of what the original debt is for. They are trying to tact on a ridiculous amount for their outside recovery company ( {$3000.00} ). This is a solid case of harassment and want to file a complaint against them for harassment! Here are the details of what I received. BTW, after looking into this debt, It looks like its a fraudulent account. Im planning to file a police report. They took {$100.00} from me for putting me on the spot! Said there is a judgement against me, but nothing ever was reported to the credit agencies of any judgements! 

XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ) Original Account # XXXX File # XXXX Credit reports claim this is for a {$300.00} credit card, charged off at {$520.00}. This company is trying to get {$1400.00} for this account! 

LP Services Group XXXX XXXX XXXX XXXX. 
XXXX, CA. XXXX ( XXXX ) XXXX ( XXXX ) XXXX Fax : ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ca. XXXX ( XXXX ) XXXX ( XXXX ) XXXX

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-09-18
Company: Chime Financial Inc
State: OK
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
Chime closed my account without notifying me on XX/XX/XXXX. On XX/XX/XXXX I had {$1100.00} in my account. I was told I would get a closure check within 30 days. It is XX/XX/XXXX and this is my XXXX complaint and I still have not received a closure check for my money I put into that account. The so called chime support does nothing but give me the run around. They tell me I requested to have that account closed in XX/XX/XXXX even though I made a $ XXXX debit on XX/XX/XXXX. There have been numerous emails back and forth. I have requested the co-founders, XXXX XXXX or XXXX XXXX  or anyone within chime that can resolve this issue, to contact me. Nothing but a run around. They are stealing money from people who work to get what little they do get. I just want MY money I worked to get, nothing more, nothing less. Again, this is my XXXX complaint. Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-11
Company: BBVA FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
My credit card was stolen in XXXX XXXX and fraudulent purchases were made on my account. I reported the theft and unauthorized charges to BBVA and was told they would open a dispute into those charges and take them off of my account. Months went by and I received no response, resolution, or deletion of charges from my account. Instead, BBVA hit me with Late Fees, and Interest Charges despite my having reported the fraud and offering a police report. 

XXXX XXXX I followed up on the dispute given I had still seen the charges on my account and subsequently charges that were added, as well as a negative impact on my credit. A representative assured me that he would file a new dispute on my behalf for this and that unlike last time, the process would be expedited. 

We are now in XX/XX/XXXX and that has not been done. BBVA has not only charged me for 4 months worth of late payments and interest charges, they also closed my account without communication and are illegally withholding my security deposit for my account. I have spoken to multiple agents who confirm BBVA made a " mistake '' in charges and the closure of my account yet refuse to rectify the issues in real time and maintain there's a network of different " departments '' who need to process the solution. 

I have opened a total of 7-8 cases with BBVA and have stayed on the phone with customer service for hours on end attempting to get answers and resolutions to their deceitful actions. I have been consistently hung up on, placed on excessively long wait times, denied access and communication to upper management, executives, corporate, and escalations.

I have been robbed. My credit has been ruined, and BBVA has chosen to hide behind a network of non communication.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-09-18
Company: Experian Information Solutions Inc.
State: DC
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

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 2023-09-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
COMPANY TRANS UNION AND XXXX, THAT WAS BUILT OFF OF XXXX  CONTINUES TO BREAK THE LAW BY VIOLATING MY CONSUMER RIGHTS. TRANSUNION IS FULLY AWARE THAT THEY ARE BREAKING THE LAW AND CAN BE SUBJECT TO A CIVIL SUIT DUE TO THEIR NEGLIGENCE. TRANSUNION AND XXXX HAS VIOLATED 15 US CODE 1611 - CRIMINAL LIABILITY FOR WILLFUL AND KNOWING VIOLATION. THIS MEANS TRANS UNION IS VERY AWARE OF WHAT THEY ARE DOING AND DOES NOT CARE ABOUT THE CONSEQUENCES. I HAVE ASKED THE COMPANY TO REMOVE FRAUDULENT ACCOUNTS AND INQUIRIES OFF OF MY CREDIT REPORT FOR YEARS ( XXXX XXXX ) SUCH AS ( XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, AND XXXX XXXX XXXX ( THAT WAS REMOVED AND NOW HAS RE-APPEARED AGAIN ). COMPANY TRANSUNION AND XXXX AGAIN HAS VIOLATED 15 US CODE 1611- CRIMINAL LIABILITY FOR WILLFUL AND KNOWING VIOLATION. WHICH MEAN YOU HAVE VIOLATED AND YOU REFUSE TO REMOVE, WHICH YOU ARE NOW AWARE THAT YOU ARE BREAKING THE LAW. PLEASE REMOVE ALL FRAUDULENT ACCOUNTS SUCH AS XXXX XXXX, XXXX XXXX XXXX XXXX ( 3 ACCOUNTS ), XXXX XXXX XXXX AND ALL FRAUDULENT INQUIRIES OFF OF 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 non-monetary relief
Consumer complaint received 2023-10-14
Company: Phoenix Financial Services LLC
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received the debt on XX/XX/2023 to which I disputed the debt stating that insurance covered the cost and provided them with the information to show the insurance policy as well verification of coverage and policy inclusions for the services. 

XX/XX/XXXX they were sent an email to dispute the debt. Also asking for how they received my information without my consent. I never provided them my address so how were they able to contact me. So it was an invasion of my privacy. 

XX/XX/XXXX was a follow up to a mailed letter that I have never received confirmation of receipt from the creditor. Have also never received any information to follow up to any update on their records as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-13
Company: CITIBANK, N.A.
State: MN
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
On XX/XX/2023, I called Citi to report fraud on my credit card. They had sent me messages about potential charges which I was able to catch before they went through. I mentioned on this date by way of phone as well that although they caught most of the fraud charges HOWEVER XXXX total charges for {XXXX for " XXXX XXXX XXXX XXXXXXXX XXXX  '' ( so XXXX total ) were pending. They said " don't worry about it, it will drop off ''. On XX/XX/XXXX I called to let them know that these charges did NOT drop off but posted. They started a fraud dispute. 

On XX/XX/XXXX, Citi requested I sign XXXX sheets of paper which I sent back by way of email to XXXX on XX/XX/XXXX for the XXXX charges. See attached for the exact XXXX sheets of paper i sent back. ( This likely confused Citi because they stupidly asked for the same EXACT paper to be signed twice with the same exact dispute number which was XXXX, don't you think since it was XXXX transactions I would need to sign XXXX different pieces of paper with different numbers? ). 

On XX/XX/XXXX, I took a screenshot of the dispute portal because it switched to " Thanks for sending us more info '' for XXXX fraud charge, while for the other fraud charge still stated " We need more info ''. See screenshot XXXX! 

Thinking that was weird, that XXXX charge moved to " Thanks for sending us more info '' and the other didn't, I resent the XXXX sheets of paper a XXXX time on XX/XX/XXXX. 

Today XX/XX/XXXX, I noticed that Citi reversed the fraud credit for XXXX fraudulent charges while issuing a credit for the other one. On XX/XX/XXXX I called with an attempt to get this resolved and was transferred at LEAST XXXX  times with no direct success. As of today there is still a reversed XXXX  bill on my XXXX  card ( the other credit for the other charge was successful ).

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