BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-10-19
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-28
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:
Months ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I include it again. Kindly correct or delete the following items : 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 XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-14
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:
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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-21
Company: Chime Financial Inc
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I was in XXXX XXXX jail from XX/XX/XXXX till XX/XX/XXXX when I was released I was locked out of my chime account it took almost XXXX weeks to get back in only to find that over XXXX dollars was taken from my account I filed a claim letting chime know that I was in jail and still had my card I sent them proof of my incarceration to show them there was no possible way I could have used my card I was in a maximum security jail my card must have been cloned cause I still have mine and it was used all over California they gave me a decision in XXXX minutes denying my claim so I filed again and more of the same they keep saying no error has happened I keep sending them emails with the proof of my were about and tell them it was a theft not a error so I used my new card number XXXX time for XXXX dollars and they locked my account it's been XXXX weeks now and I haven't been able to make my car payments my water bill and so on I have sent chime photos of me holding my id with a peace of paper with the date on it but I still can't get in to my account they let someone take out over XXXX dollars with out question but now I use XXXX dollars and they lock me out they need to pay me back my money they let get stolen and pay all my late fees and let me back in my account

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-28
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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX : {$530.00} XXXX  XXXX Balance : {$1000.00} XXXX  XXXX XXXX Balance : {$3800.00} XXXX XXXX XXXX Balance XXXX {$37000.00} XXXX  XXXX Balance : {$17000.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$2400.00}

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 2021-10-04
Company: Shellpoint Partners, LLC
State: DC
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
Shellpoint bills me for lender-placed insurance even though I have insurance, have provided insurance documents multiple times, and have never had a lapse in insurance. This crooked company has wasted dozens of hours of my time battling them.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-15
Company: Westlake Services, LLC
State: GA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
XXXX XXXX, left us uncovered by XXXX after transferring loan. They also reported that I owe more. And I do not. This has been an absolute nightmare for me and my family. Especially since I was rear ended during all of this. What are we supposed to do. The company Westlake that took over the loans are no help at all. So, they can just transfer the loan and leave us hanging. It is really upsetting. The contracts should be void and we should not be responsible for their error. And we should be compensated..

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Hi, my XXXX XXXX XXXX. I am Reaching out today to have the following negative items removed from my credit report. The items I need removed are listed in the report attached. I have notified the companies that I did not make the charge. I ask that these items are deleted from my report in order to correct my credit file. These fraudulent changes are showing negative results on my credit report. I reported the theft of my identity to the identity theft affidavit. Please remove these items as soon as possible.

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 2020-02-09
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:
AFTER A CAREFUL REVIEW OF MY CREDIT REPORT, I HAVE IDENTIFIED INACCURATE ACCOUNTS THAT ARE DEROGATORIES AND DELINQUENTS THAT I HAVE NO KNOWLEDGE OF AND WERE NOT AUTHORIZED BY ME. PLEASE REMOVED THOSE INACCURATE ACCOUNTS THAT HAVE BEEN CAUSING DAMAGE TO MY CREDIT FILE. IT IS ILLEGAL TO HAVE SUCH ACCOUNTS REPORTING INACCURATELY ON ONES CREDIT, CONDUCT AN INVESTIGATION INTO THIS MATTER AND HAVE THE ACCOUNTS PURGED OFF MY CREDIT FILE.

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: CAVALRY INVESTMENTS, LLC
State: AR
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I received a letter ( uploaded ) from the company Calvary Portfolio Management. Spoke with representative and explained this debt was paid thru a debt consolidation plan I paid in 2019. The representative stated it bought the account from XXXX XXXX  and they are trying yo collect. I also asked for documents and no one had sent any. I sent an email ( see attached ) and in the initial letter sent it states if you reach out to them to dispute ALL collections has to stop. They reported the account as being in collections on my credit report 7 days later. Now my score has gone down 60yrs due to this collection reflecting on my credit report. How can a company buy a debt from 4yrs ago thats been paid but shows the same amount of debt and try to collect it again? My credit is stellar and this is ruining it. 

I need this company to remove this negative collection mark off my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-23
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:
On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2022-03-11
Company: EQUIFAX, 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:
I XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. These items in my credit file are from unauthorized use of my social security number and card. I did not authorize these accounts to be taken out in my name nor do they relate to anything I did. I'm unaware of any of this. All is being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-18
Company: Consumer Financial Services
State: IL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I currently have a loan with them that I took with my dad. Im the first signature in the paperwork and my dad is the co-signer. My dad took a second loan with them and apparently he hasnt been making any payments on his second loan, the loan were hes by himself. This agency thought it was a good idea to take money from the account were Im on. My dad doesnt live with us anymore and we dont have any contact with him. The agency said that they have the right to move money from two different accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the itemsXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AR XXXX ; XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AR XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  AR XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; 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 non-monetary relief
Consumer complaint received 2022-08-17
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I have had my identity taken 2 years ago. At that time, only XXXX and XXXX offered credit freezes. Now Experian does. ( although, I had at least 2 credit cards taken out in my name through Experian between the time when they didn't offer it, until I had the 2nd card taken out last month ). 
I then froze my account with Experian last month. 
I am an owner of a small business and we applied for a XXXX XXXX Our bank needed to pull my credit. 
On XX/XX/XXXX I thawed my account through Experian. 
On XX/XX/XXXX and again on XX/XX/XXXX, my bank tried to pull my credit and could not due to it being frozen with Experian. 
On XX/XX/XXXX, I unfroze my account for another 2 days in hopes that would provide enough time. 
On XX/XX/XXXX and again on XX/XX/XXXX my bank tried to pull my credit and could not due to it being frozen with Experian. 
Today I tried to talk with someone at Experian. There were no " agents available '' to chat with. This occurred first thing this morning and has not gone away. 
I then called and got the automated system. There was no way to get to an agent, and I tried all of the options. I suspect that since I'm not a paying customer, I can not get through. 
I had the automated system CANCEL my freeze. This was confirmed on the website and in an email receipt. 
My bank tried again to pull my credit and can not. 
I filled out multiple complaints on the Experian Contact Form.

There is no one to talk with ; the contact form does not illicit any phone number, there is no one to chat with ; and there is no way for me to do anything about the freeze that has supposedly been removed, but the bank says otherwise. 
This is delaying our company getting a XXXX XXXX and will cause financial harm.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-21
Company: TRANSWORLD SYSTEMS INC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Received an attempt to contact me by a representative at Transworld Systems collection agency on XX/XX/2022. They did not leave a voicemail, so I called back to investigate. This phone call was an attempt to collect a debt that is not owed, no prior knowledge of the debt or the company that issued a request to collect a debt. 

They used an old address of mine to verify who I was. 

Details of the debt from the phone call : XXXX company requesting around {$69.00} debt collection from a bounced check. 

I told Transworld systems that this is a fraudulent check, I never use checks to pay for anything and I don't do any sort of gambling. 

I contacted transworld systems a second time to confirm some details and the last name they had on file for me is incorrect. They then removed my phone number from their contact list.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-29
Company: FISERV INC.
State: CA
Product: Prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
My CA Middle Class tax refund was sent via a debit card, which I never agreed to. 

I received a USPS scan indicating the card was in my mail shortly before XX/XX/XXXX. I also received a 1099 form. However, the card didnt come, so I began contacting the Middle Class Tax Refund XXXX-Money Networks phone number XXXX. 

I was told by an automated message to keep calling back if the card was not received by the middle of XXXX. Toward the end of XXXX message was updated to say to call back if the card wasnt received by the end of XXXX. 

I continued to call the company and was not allowed to speak to a human operator even though the message kept saying to call them if my refund had not arrived by the end of XXXX, well into XXXX. 

Around XX/XX/XXXX, I finally reached someone who advised my funds had been depleted at multiple convenience store ATMs over a series of multiple days in a city miles from where I live. 

I advised that my card had been stolen, and I did not authorize anyone to use it because I had not received the card. I was told an investigation would take 90 days. 

I called on XX/XX/XXXX and was advised that because a PIN was used they denied my claim. But I never set up a pin because I never got the card. I asked to appeal and was told they would send a form. I never received the appeal form. 

All Money Network sent was a duplicate card which had less than {$2.00}. The instructions about how to create the PIN were included in the envelope, and my zip code was the info needed to get the PIN, even though my zip code was in the envelope with the card. Usually these things are sent separately due to the risk of fraud. 

I have not been given a refund or a further way to appeal this incompetent handling of a card I never consented to receive.

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 2021-10-04
Company: EQUIFAX, INC.
State: NC
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 credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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. The LIST of accounts Below has violated my Federally protected consumer rights To privacy and confidentiality under 15 U.S.C 1681. Account name : XXXX XXXXXXXX, Account name : XXXX XXXX, Account name : XXXX XXXX, Account name : XXXX XXXX  Account name : XXXX XXXX, Account name : # XXXX, Account name : XXXX, Account name : XXXX, Account name : 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 2022-07-21
Company: U.S. BANCORP
State: NV
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:
There is a late payment reporting on my US Bank account. As you can see I have had this account open for years and never made a late payment and there is not XXXX single other late payment reporting. I care about my credit and have a great relationship with all my creditors. Please remove this remark.

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 2019-06-26
Company: CITIBANK, N.A.
State: NC
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 XXXX, XXXX  and XXXX Credit File is showing a past due amount of {$300.00} and a balance of {$300.00} for a Shell Credit Card that show as a chargeoff account. I received a notice from a Collection Agency that they are handling this account. Citibank is reporting Inaccurate information, if the account has been transferred or sold to a third party for collection, it should not be reporting a balance or a past due amount. Under the FCRA guideline this is a clear Violation. I would like to have this Inaccurate information deleted from all three of my credit files. This is impacting my ability to obtain credit due to the incorrect reporting by Citibank. I have contacted Citibank concerning this issue before and it was never corrected.

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