BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
Right now I am bothered! I have attempted to be patient ; however, it is hard to be patient when you feel that you are continually being overlooked by somebody. I am a victim of Identity Theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments. In accordance with FCRA, I am requesting these items to be reviewed for completeness and accuracy, and appropriateness. In lieu of sending the information, please ensure a proper investigation is performed. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response, I will have no choice but to exercise my right and pursue legal action. 

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 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 2023-07-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXXXXXX 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 non-monetary relief
Consumer complaint received 2023-05-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit reporting act, this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy ,15 USC 1681 section 604A section 2 also states, a consumer reporting agency can not furnish in account with out my written instructions, under 15 USCS 1666 B 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 explanation
Consumer complaint received 2022-11-07
Company: Chime Financial Inc
State: OR
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
On XX/XX/22 I received an email stating that a Chime Account had been opened in my name and a debit card was being sent out. I reached out to the company via customer support and they put a hold on the account but then asked for pictures of my license and the last XXXX of my social security number. I did not feel comfortable giving that information especially since it seems like thats what they warn against on their website. Id like the account closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I had gotten a notification that my account was locked and i needed to call the bank. When i called they explained that because of their policy my account would be closed and a check of the balance of my account would be mailed to my address. its been over 3 weeks and whenever i try calling just to clarify that my account was closed and i will be getting the money in my savings and checking back but they never respond back.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
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 adjust 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 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 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 2023-08-16
Company: EQUIFAX, INC.
State: FL
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 submitted a letter to the Credit Bureaus to correct these erroneous accounts. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-17
Company: Experian Information Solutions Inc.
State: MI
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 is incorrect

Complaint:
My name is XXXX XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports. This complaint to Experian was the result of their non-compliance to my request and for their refusal of correcting the item stated below. They neither saw nor responded to my request which I believed to be against the Federal Credit Reporting Act 's rules. Thus, I am sending this complaint to seek help and assistance to help me fix and update the concerned item for it was found erroneous and inaccurate. 

XXXX XXXX XXXX XXXX Balance : {$0.00}

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 explanation
Consumer complaint received 2022-05-18
Company: D2 Management LLC
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
In 2018, I applied for a loan in the amount of {$200.00}. At the time I was unable to pay back on time - I tried numerous times to contact the company and never received a callback or any email correspondence. I received a call from a third party company stating I owe way over {$4000.00} in accrued fees in which I was not aware to happen. When I ask for validation of the accusation they state theyre unable to send the information. Im getting harassed by the company DTXXXX  Management that Ill be sued, garnished wages and more fees. I really need help as I dont know how they received my information and I cant get any response from XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-07
Company: JPMORGAN CHASE & CO.
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:
Due covid pandemic I began to experience serious hardships by losing my job so As my banking account was decreasing I was forced to start paying extra attention to my money available and as began to looking into my accounts I found that there were charges that were not being made by me and nor was any where near the citys the charges were being made? Chase bank agreed with me there was fraud and several other charges not authorized by me and denied refunding me the amount XXXX stolen which added up to be close to {$2000.00} dollars and when I filed the claim they gave me the money back until further investigation? And months later after investigation of the claim they found out what my claims to be accurate however due to company policy anything over 90 days not reported is not able to refund the fraud charges so they with out notice took the money out of my account back the {$2000.00} and I only had probably half that in the checking account so it not only made my account immediately overdrawn i was charged a penalty fee for the overdrawn and it made my account negative and all my credit cards were on auto pay and cell phone and those automatic payments were charged and denied and i was charged again for each credit card transaction and thus my credit cards companies reported me late fees and the whole situation destroyed my credit score destroyed my account was charged all kind of crazy fees and made my account more overdrawn and the bank did not care if i was charged to much or that they created damage and put me in further dept and for them to not refund the unauthorized charges after agreeing with me im not responsible but am responsible for the money because of a time limits is absolutely absurd it there fault for authorizations of my money being charged by someone else in a another country they authorized the payments not me why should i be responsible for that? I dont XXXX is who got my information but it was used religiously and verified it was not me or my consent and top of it they take the money back in the middle of a pandemic and completely ruined my credit card history and I dont believe a time restriction should free them of responsibility of paying it when there the ones control of the account and authorizations?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-06
Company: Experian Information Solutions 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: Credit inquiries on your report that you don't recognize

Complaint:
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 non-monetary relief
Consumer complaint received 2023-12-14
Company: HUNTINGTON NATIONAL BANK, THE
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I XXXX XXXX called Huntington bank on XX/XX/2023 attempting to collect the XXXX dollar promotion reward for opening a new account. On the website it states after maintaining a XXXX dollar balance and getting XXXX direct deposits the money will be deposited into your account. The website also states a promotional code will be applied to all new accounts. The code was not applied to my account and Huntington bank is refusing to pay the money the promotion promised.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-02-17
Company: CCS Financial Services, Inc.
State: NJ
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I would like to extend this complaint to this bureau as Credit Collection Services are attempting to settle a debt of {$37.00} representing XXXX XXXX XXXX XXXX subsidiary under XXXX XXXX umbrella. I have contacted them to figure out how I owe a debt when I was hospitalized from XXXX - XX/XX/2021. I was in a XXXX for over a month which I told this company to verify with XXXX XXXX XXXX XXXX, XXXX. How do you expect me to pay my insurance premium timely when my car was totaled XXXX XXXX XXXX XXXX? 

I spoke with XXXX ( XXXX XXXX XXXX ) Customer Service Department previously before this complaint and they refused to provide me a total loss statement essentially claiming they do not care and I should pay the balance for a crumbled car without remorse. This is unconstitutional and frankly illegal for an auto insurance company to tell you to pay for a vehicle involved in an accident while posting an insurance lapse on your driver record.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-17
Company: RIA FINANCIAL
State: NC
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
I received a transaction number and photo of a receipt from a wire transfer, sent by a man who is buying a puppy from me. He has boughta puppy from me eight years ago. We have a history of good, valid transactions between us. Occasionally I have litters and ship them, but need payment prior to shipping and have never had a problem with any wire transfer via walmart in the past ( over ten years or more ). 

Today, when I went to pick up the money, they confirmed via the transaction number that the money had been sent, but refused to pay the money and told me to call RIA at XXXX. I called them and they said the sender needed to call. The sender called them and they asked him questions about ME. How well did he know me? Had he ever met me face to face, etc. etc. etc. 

In the end, they told him he had to get a refund, that they refused to issue the money to me. 

When I called them back, they said they had no record of his call. 

I feel Walmart has no right to deny me the money. They received the money from him, which now he has to go back to the store for a refund, He received a receipt, so what gives them the right to deny me the money? 

This has caused an inconvenience to me, and a discredit to me, since I am the one who asked him to use Walmart in the first place. Now I have an upset customer, as well as no money, and I do not believe it is legal for them to deny funds based on whether or not he has ever " seen me face to face ''. 

I have no pending charges or disagreements with any customers. I have years worth or good reviews from satisfied customers, both on puppy sites and with the XXXX XXXX XXXX 

There is no reason for Walmart to step in and deny me funds. I feel this is discrimination.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-26
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: Their investigation did not fix an error on your report

Complaint:
ACCOUNTS LISTED ON MY CREDIT PROFILE THAT DOES NOT BELONG

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 2023-12-12
Company: Experian Information Solutions Inc.
State: IL
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:
I am not associated with these creditors, and I did not initiate this inquiry. Kindly proceed to remove it from my credit report without delay.

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 2023-01-19
Company: EQUIFAX, INC.
State: NJ
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 accounts 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 accounts without providing any proof within the time frame specified by law. My credit report includes the following erroneous accounts that needs to be investigated and corrected : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-17
Company: SLM CORPORATION
State: MI
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
I have called multiple times and I was told I had two options for repayment. I could repay a year of interest which runs until XX/XX/XXXX which would be {$800.00} a month or pay the regular price of {$1200.00}. I chose to try and pay the interest payment in XX/XX/XXXX but will then increase in XX/XX/XXXX to {$1300.00}. 
I am a XXXX and a first year XXXX  at that. I barely make enough money to make ends meet. It takes one full paycheck to be able to pay that amount and there is no way I can pay the XXXX. 
I understand It is my responsibility to repay my loan I am not asking it to be forgiven I just need more manageable payments so I can life a normal life and be able to save. I am willing to up the money in the future when my salary increases but right now I can not afford this amount. 
it says on their website they are willing to work with you and I have not had this be an option. 
I have reached out to my governor, both senators and House of Representatives in some hopes of being pointed in the right direction and help with this issue. Who then directed me here

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 submitted a letter to Transunion dated XX/XX/2022, to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT XXXX, and I'm including it again. Please remove the late payments from these accounts : XXXX XXXX, XXXX XXXXXXXX

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 2023-02-20
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

These Accounts below are reporting late payments and that is inaccurate and that also is a violation. Late payments are illegal 15 USC 1666B States Timing of payments. 
XXXX XXXX Opened : XX/XX/XXXX Account # XXXX {$420.00} 2 Late Payments inaccurate please remove. illigel report. 
Violation XXXX. XXXX XXXX Opened : XX/XX/XXXX Account # XXXX  {$8000.00} Please Remove these late payments there's 90 days late and that is inaccurate. illegal 15 USC 1666B States Timing of payments. 
Violation XXXX XXXX XXXX Opened XX/XX/XXXX Account XXXX XXXX Please Remove these late payments there's 90 days late and that is inaccurate. illegal 15 USC 1666B States Timing of payments. 
Violation 15 U.S. Code 1605 - Determination of Charge 4. XXXX XXXX XX/XX/XXXX Account # XXXX Unauthorized account/ I have no knowledge of this account. Please remove it from the credit report. 
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. 
Violation XXXX. XXXX XXXX XXXX Opened XX/XX/XXXX Account # XXXX Please remove this immediately USC 1666B States Timing of payments.

15 U.S. Code 1605 - Determination of Charge Violation XXXX XXXX  opened XX/XX/XXXX {$3800.00} Opened XX/XX/XXXX {$2000.00} Account # XXXX 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.

USC 1666B States Timing of payments.

15 U.S. Code 1605 - Determination of Charge Violation XXXX XXXX  XXXX XXXX Duplicate account ( Double jeopardy ) Account # XXXX Opened XX/XX/XXXX {$1700.00} 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.

USC 1666B States Timing of payments.

15 U.S. Code 1605 - Determination of Charge Violation

Company response to consumer: Closed with explanation