BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-12-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 kindly request that you update my credit report and remove the public record that is currently listed. Attached below are the necessary documents to support this request. Thank you.

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 2023-02-03
Company: Chime Financial Inc
State: NC
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
On XXXX Chime ( aka XXXXXXXX XXXX ) abruptly closed my checking and savings account without my knowledge or consent. I can not access {$10000.00} currently in my account. I called them immediately asking why the account had been closed and asked if there was hacking or fraud. They told me it looked like it was closed due to a policy violation but would not tell me what policy or what was violated. They also said they could not actually tell why because the account was closed. They refused to let me speak to anyone who could help and insisted I submit copious amounts of documentation before they would look into it. I have submitted and resubmitted yesterday and today ( drivers license, both sides; signed social security card ; zoomed in selfie holding drivers license with a paper that includes my name and the date ; a written explanation of the most recent transfer ; bank statements from the account I transferred ; pdfs of the transfer from the sending bank ) and have gotten no response as to the status or when my account will be reinstated. I have sent multiple follow ups and keep getting the same form letter response from a different person asking me to submit what I have already submitted. I feel as though they are stonewalling me to hold onto my money. They do not care for their customers or the stress and anxiety caused with their lack of response, action, support, or caring. They are currently stealing my money. I need help getting access to my account so that I can transfer my funds immediately out to a bank that will not steal your money, and then I will close the Chime account on my own accord as they can not be trusted and do not have their customers best interests as a priority.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-03
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
On or about XX/XX/2019. I submitted notification to all XXXX credit reporting agencies that there was errors filed in my bankruptcy report. I did not receive a reponse back from neither of the agencies without investigation and they said that they will no longer reinvestigate the matter unless i had more documentation which im also providing to you, the check marks beside the accounts are accounts that were included in my bankruptcy that are not mine. Ive also asked from the agencies to provide me the methods that they used to validate these and to no avail i have received nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 pulled my credit report on XX/XX/2023 and found inaccurate account data from XXXX XXXX XXXX XXXX. This account is in violation of certain laws that Congress passed to protect consumers such as myself. 15 U.S. Code 1681 ( a ) Accuracy and fairness of credit reporting. 

This account is clearly reporting incorrectly and clearly needs to be deleted immediately because of the violation.

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 2018-09-17
Company: BB&T CORPORATION
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint:
I originally bought a XXXXXXXX XXXX in XX/XX/2015. The original price of th car was {$19000.00} which includes the tax for the vehicle. The monthly payments for the vehicle is {$470.00} after 3 years of paying I called XXXX XXXX XXXX   to find out what is the estimated pay off for the vehicle only to find out that I still owe {$19000.00} roughly. In calling to get an explanation all I recieved is rude and short answers like, " this is what you agreed to. ' Also the representatives have hung up on me on severall ocassions in me trying to figure out what kind of sense does it make for me to owe as much as I originally financed for the car. In doing the math I have already paid over 16,000 to this company. I do understand that interest is involved in loans so I do not expect to pay exactly what I have financed but at this rate it looks like they expect me to pay close to 40,000 on a compact car. I can not see how this can be legal. In fact, I am not even sure if a loan of this nature is even legal. can you please look into this for me. Thanks.

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 2023-09-01
Company: Experian Information Solutions Inc.
State: LA
Product: Credit reporting 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 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 and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2022-10-25
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:
There was an issue with my XXXX reporting a lateness which was determined to be fraudulent. Transunion has refused to update and remove the reported lateness from 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 2022-03-22
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
On XX/XX/2022 I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-13
Company: Block, Inc.
State: WI
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
I made a XXXX purchase on CashApp and tried to make a transfer of the XXXX to another XXXX wallet that I own. Cash app did not make the transfer. They did not notify me the transfer failed. After waiting hours for a customer service response, Cash App refuses to tell me why the transaction was declined other than pointing me to a lengthy and general terms of service document. Their suggested resolution was to transfer the XXXX to another wallet, which is what I was trying to do in the first place. 

They are collecting fees on these accounts and making it very difficult to transfer funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-29
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I, XXXX XXXX, XXXX, write to lodge a formal complaint against Equifax, one of the primary credit reporting agencies in the United States. Despite my repeated attempts, I have been unable to access my personal credit report as it appears to be erroneously frozen. This has caused inconvenience and is potentially impacting my credit activity negatively. Any inquiries by external parties also reflect this incorrect status. Further exacerbating the situation, my name is erroneously recorded within their systems, which could potentially lead to identity-related issues. Despite my best efforts to communicate and rectify these issues with Equifax directly, there has been no resolution. Therefore, I am requesting the assistance of the CFPB to investigate this matter, to unfreeze my credit report, and ensure that my personal information is accurately recorded within their systems.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-12
Company: STATE BANKSHARES, INC.
State: AZ
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
XX/XX/XXXX ( phone call ) -I was told there was a $ XXXX contingency and there was none.

XXXX ( email ) -I reported the concerns of unlicensed contractors during our build, and they washed their hands of it. 

Builder sought over $ XXXX at reconciliation ; claiming he wasnt paid for the land, and I owed him $ XXXX out of pocket. Many of these discrepancies werent rectified until I provided the accounting showing the inaccuracies, receipts payable, and credits not disclosed. 

The contract states, " Your contract contains a provision that all change orders were to be paid at the time of the change order signing. '' This was done with proof of record. If not, or the funds weren't available, Bell Bank should not have released the funds for such. Therefore, giving me ( the borrower ) the option to pay the builder out of pocket or not approve the change order. 

I did not receive inspection reports until I asked for them at final reconciliation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-22
Company: SYNCHRONY FINANCIAL
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with cash advances

Complaint:
Several years ago I took out a {$200.00} dollar cash advance loan from my JcPenny Credit Card. I called on XX/XX/2020 to make a full payment for the cash advance balance of {$180.00} and was told it was not possible for me to pay off this amount " the only option is to payoff the entire credit card balance. '' It has been several years since I took out the {$200.00} cash advanced loan and the balance drops down very insignificantly and continues to accrued interest at 27.99 %.

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 2023-12-05
Company: EQUIFAX, INC.
State: CA
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: Investigation took more than 30 days

Complaint:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-04
Company: Experian Information Solutions Inc.
State: NC
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 were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit 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 2023-01-09
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information is missing that should be on the report

Complaint:
Dear XXXX, I am writing to dispute the following items on my credit report XXXX XXXXXXXX Acct # XXXX, has not been added to my Trans Union Credit Report XXXX I am requesting that these items be added to my credit report as they are accurate and reflect my current financial situation. I have attached supporting documentation to this letter to verify my claim. I understand that under the Fair Credit Reporting Act, you are required to investigate my dispute within 30 days of receipt of this letter. I request that you provide me with a written response to my dispute, including the results of your investigation and any changes made to my credit report. Thank you for your prompt attention to this matter. Sincerely, 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 2020-03-12
Company: CHARLES SCHWAB CORPORATION, THE
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/2020 an order was placed with XXXX for {$2800.00} for a computer and the Order number is XXXX. The item was to be shipped by XXXX and delivered on XXXX XXXX, 2020. I wasn't home that day and when I got home the package was not present. the tracking number is XXXX. I checked with my neighbors and waited the requisite 2 days for delivery. After which I contacted XXXX by phone and they were not helpful at that time, so I filed a Dispute with Charles Schwab Bank. Charles Schwab then gave me a temporary credit and reversed the credit on XX/XX/2020 and stated that the charge was legitimate. I then contacted XXXX and they stated I was to file a Police report. The police report was filed with the XXXX XXXX Sheriffs Department on XX/XX/2020. The report was made available on XX/XX/2020 and sent to Charles Schwab and XXXX. The only fair resolution is to refund me the {$2800.00} as the computer was not received by me and either was not delivered or was stolen.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
Student loan that appears on my credit report is not mine. I've submitted an FTC Identity Theft Affidavit but, the loan still appears on my 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 explanation
Consumer complaint received 2023-01-08
Company: EQUIFAX, INC.
State: TX
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 Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXas violated my rights. 

15 U.S.C. 1681 Section 602 A. State 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 response to consumer: Closed with explanation
Consumer complaint received 2023-06-15
Company: EQUIFAX, INC.
State: LA
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:
Ive just reviewed my credit report and noticed there are several inaccurate late items on my report as follows : This account is listed as being 30 days late. I have never been late on this account. 

15 U.S. Code 1666B states a creditor may not treat a payment on a credit card account under an open consumer credit plan as late FOR ANY PURPOSE. It also states unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge. 
I've disputed this particular item 4 times and they parrot information from this blood thirsty collection that have similar complaints from other consumers for unethical collection practices FDCPA violations.At this point I'm prepared to follow suit of consumers and court proceedings such as that of Dixon-Rollins v. Experian Information Solutions . In this attached letter I request your full method of Verification on this account in writing or I demand to have it deleted from my consumer report. I will seeking remedy in this case for damages caused by this company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-03
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
I submitted a dispute XX/XX/XXXX with experian and XXXX, XXXX on some items that are showing on my credit report incorrectly. 

XXXX showing XXXX status shows open : I told them to provide me with a copy of my signed contract with this company as I have no knowledge of them or this amount and I have no open account for this amount. They responded in a few days that it meets Fcra requirements and closed my dispute. I have the right to see what this is and why its being reported this way. My guess is this was sold from an orginal creditor which i thought was against FCRA regulations, on top of it all the information is not accurate and I asked it be removed from my credit report. 

The other item was XXXX XXXX  in the amount of {$500.00} also showing opened as of XX/XX/XXXX, again no proof was provided to me, however i did get a 1099c a few years ago around this amount, and if it is the same account they its already been claimed on taxes and can not continue to ask me to repay this to a company I dont even know who they are, or if this is the same debit. This needs to be removed also from my credit report. 

Lastly is XXXX XXXX. Due to Hurricane Ian back in XX/XX/XXXX national emergency i applied for a forbearance with XXXX XXXX  they told me i didnt have to pay the mortgage for 3 months and the balance would be added to back end of my mortgage, once the forbearance was done they reniged and told me i had to pay it back. So they added to my monthly payment going foward which i have paid on time each month, so I have been current based on their agreement, yet its reporting negativly on my credit report. This needs to be update as not being current 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