BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-02-11
Company: Chime Financial Inc
State: KY
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On or around XX/XX/XXXX I received my debit card for a newly opened Chime account. I transferred approximately {$450.00} into that account that was to be used for my upcoming tuition payment. On XX/XX/XXXX I used my new debit card for a fuel purchase at XXXX to ensure my new debit card was functioning properly as I planned to use it for the upcoming payment. Immediately after getting fuel, I drove to XXXX, TN for a work event that lasted several days. I returned and went to pay my tuition but received a notice that my account had insufficient funds. Upon logging in, I saw that {$390.00} was spent by someone who stole my debit card and was not authorized by me. I immediately reached out and started a dispute. I called and emailed for updates and to provide additional information if needed multiple times during the following weeks and was always told the same, scripted answer. Nothing needed from me, just wait. On XX/XX/XXXX, I received an email stating they concluded their investigation and would not give me the funds that were stolen back. The reason they listed in writing was that the charges were made in proximity to my fuel purchase and I had recently deposited funds into my account prior to the fraud. I asked to reopen the investigation and sent documentation that I was working in XXXX when the majority of the charges were made and even provided my supervisors number. After submitting the additional information, the entire dispute disappeared from my online banking account. Over 5 emails were sent and never answered. I received an email today, XX/XX/XXXX, stating they made a decision and stood by their initial stance that it was not fraud. I reached out to my supervisor and was told that he was not only never contacted, but when he called to verify I was working in a different state when the charges were made, they told him they didnt need his verification. Its clear they did not actual investigation and are not standing by their terms and conditions. I am planning to file against them in court to recoup my costs, but not being able to pay for my final class resulted in losing a dream job that was contingent upon my graduation. After doing some research, this banking institution has a clear pattern of failing to investigate fraud and frequently causes their customers to be out their hard earned money.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-16
Company: Consuegra & Duffy, P.L.L.C.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
In XXXX of XXXX I startes receiving alot of solicitations from people knocking at my door including a salesman selling a XXXX XXXX cleaning I unfortunately took the bait and purchased him telling me if I hhave any issues I can return the vaccuum in less than a month later I attempted to because the vaccumm was not working. I tried no one called me back in regards to my issue.. I made several attempts. Now XXXX XXXX I was giving a summons for court stating these people are attempting to sue me for a faulty product that never worked that no one called me about and Im finding out its not just me several people are going thru the same thing. Faulty product was giving and this company is trying to swindle money from me to pay. Without any form of written communication before today.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-11
Company: EQUIFAX, INC.
State: MD
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:
Choose according to account type. These can be combined I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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:
I've contacted this company a request to remove inaccurate and unverifiable accounts from my credit report. Once again, a notice sent pursuant to the FDCPA 15 USC 1692g Sec. 809 ( b ) that your claim is disputed and validation is requested. This company is in violation of this law. 

The following accounts remain unverified, even after multiple attempts to receive validation from them. I request that these accounts be immediately removed from my credit report with all credit bureaus that they report to.

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 2023-02-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
My US Dept of Education and XXXX XXXX all have been paid and closed on my credit report. The loans are closed but is reporting one negative payment missed. This is inaccurate information and affecting me negatively as Im trying to maximize my credit score and profile. These derogatory remarks from these old student loan accounts are creating numerous problems with my new reports I obtained. I just want them removed immediately off my credit report or to fix these inaccuracies payment history, so I can receive what I truly deserve for 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 2022-05-23
Company: Prosper Marketplace, Inc.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
I received my Prosper credit card through XXXX XXXX bank a year ago. In that time, I used it once. I can not tell you the amount bc I'm unsure how much my purchase was for at this time. As I do every month, I went to pay 50 % of my bill on the first of the month, I clear the balance by the XXXX of the month. 

However, after multiple attempts to sign into their online app, it would not let me in. Let me add that I am not a casual user of tech application. I am extremely well versed. I finally called the company and this is where the problem started. Customer Service representative ( who was very nice ) let me know the last 4 digits of my social were " wrong ''. I am XXXX years old and have been writing my ss # since the dawn of time. Fine, maybe they keyed it in wrong. How do we resolve? 

I was asked to send a copy of my social security card, which I did, to an address I was given. I did that and waited. I gave it a few weeks ( 3 ) and retried the app. Didn't work. I tried to phone in my payment. Didn't work. Why? They never fixed the problem. I did what I was asked, they did not. 

I called back today, XX/XX/2022 when I noticed a HUGE dip in my credit score. They did not freeze the account prior to fixing the error. They have been compiling late fees and interest on the balance I've been trying to pay for months. I asked to speak to a supervisor as another call center employee ( XXXX, XXXX... another very lovely person ) gave me the exact same " solution ''. ( NOT her fault ). Both supervisors were on the phone with other customers, but I should get a call back. No one received my postal mail with my social floating around so I'm very reticent to mail a check. 

Upon doing some research, I see I'm far from the only person to have this or a very similar issue with XXXX XXXX bank and their products. 

I have not made late payments to ANY other cc account l have. I am in the midst of trying to purchase my FIRST, very own home. Their lack of diligence is now affecting my ability to get a mortgage. I am literally trying to pay them in FULL and want them to close the account for good like I requested months ago. 

This bank is running fraud games, manipulating consumers with predatory practices.

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 2023-02-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
XXXX XXXX : # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an 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 2017-11-23
Company: SYNCHRONY FINANCIAL
State: GA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I received a credit card associated with promotional rate ( no interest ) if paid off within 18 months. I made payments that were substantially more than the minimum payment. No credit was applied to the minimum payment for the next month. The company charged me a late fee when a minimum payment would not be due. They did remove the charge from my account when I called and insisted. During the call the customer agent told me that I had to specify in my payment to pay off the late fee. The late payment was listed on my bill as a promotional fee, but on the customer agent screen she states that it was listed as a late fee. Synchrony is  charging a late fee in spite of a payment made that would cover the minimum payment for the next 3 months. They are cheating unsuspecting customers with a bogus late fee when they should not be charging a late fee due to a previous substantial payment. The late fee should be listed as a late fee. I made a payment on the XX/XX/XXXX of the month and the customer agent told me that my payment was late despite making a payment early on the XX/XX/XXXX of the month before. The scheduled payments are made on the XX/XX/XXXX of the month. They are attempting to charge a late fee even when additional payments are made to the account and a payment falls after the stated due date. I closed this account. I hate credit card companies who nickel and dime customers attempting to pay off these accounts ahead of time. Consumers should be warned about these predatory practices from Synchrony.

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 2021-06-05
Company: Experian Information Solutions Inc.
State: CA
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:
There are two loans on my credit report that are not mine I have been disputing these for some time now and nothing is happening no one is helping me!!! 

XXXX - Acct # XXXX Amt {$2800.00} Opened XX/XX/2002 XXXX  - Acct # XXXX Amt {$2200.00} Opened XX/XX/2002 2002

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 2023-06-03
Company: Bread Financial Holdings, Inc.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
The company did not post a payment for eight months. Continue to charge late fees and finance charges. Please credit my account {$80.00}

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-12-03
Company: DISCOVER BANK
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:
15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish A account without written instructions.

15 USC 1666B : A creditor may treat payment as a credit card account under an open end consumer credit plan as late for purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XXXX XXXX XXXX  Account # XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. In accordance with FCRA 605 B 15 USC1681 C-2

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 2019-10-17
Company: EQUIFAX, INC.
State: OR
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 have multiple issues regarding Equifax and am filing a complaint to resolve these issues. I have consistently contacted Equifax because I have been unable to access my account at my.equifax.com to receive my required by law credit report. I have also not been able to receive my credit report from annualfreecreditreport.com for my Equifax report. I have no issue receiving my report for the other credit reporting agencies XXXX  and XXXX. In addition, I have escalated this issue many times with many representatives over the past 3 months that have all failed to give me access. I have also faxed in my identity verification information to include my passport, social security card and current bank statement with my current mailing address. At the same time as me faxing my identity verification I sent a dispute for a fraudulent account on my credit file along with my FTC identity theft report asking for this information to be blocked on my credit file within 4 business days pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. I have a confirmation of the fax being received over 4 business days and yet the dispute has still not been initiated by Equifax. Equifax has consistently violated the Fair Credit Reporting Act and this should not be tolerated. I was also part of the data breach from Equifax and the item on my account that is fraudulent is most likely caused from that breach. I find it odd that the company that I'm filing a dispute with for a fraudulent charge on my credit file is the very same person that caused it and also placed it on my credit file. I also find it criminal that Equifax had the nerve to tell me that they could possible escalate this issue further to help me better if I was a paid Equifax Complete Premier member. So Equifax, the company that had a breach of my information and then placed the fraudulent data on my credit file is now trying to profit financially to help me better in my attempts to remove it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-23
Company: Affirm Holdings, Inc
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I had an account with Affirm which I did let go past due, but I paid it off in full not long after. Affirm has reported and is still reporting the account as open & late, even though it has been paid in full and should be closed. I have disputed this report & the status was not changed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-08
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Hi I am happy to know you can assist me this this error XXXX XXXX has made on my credit report. The mistake is that on XX/XX/2018 i was speaking to XXXX XXXX on the phone I had asked them when they were going to mail out my credit card they acted like they already did when in all reality they did not do so they have failed to mail it out by mistake and have all said to my knowledge it never left their office facility I believe because I had called several times and they kept saying they have mailed it out and each time it was a different date said and they were just reading notes off the screen from different representatives who meant to mail it out to me but never did and I know this is is because of them getting confused with the fact that I had filed a claim with cfpb and XXXX because they put in that I asked for a credit increase in XXXX then that was changed. Then a mistake on my account newly appears that what XXXX  XXXX has opened up a new account on the XX/XX/XXXX without my consent and it shows this is my credit report and has lowered the score by like 72 points they did this when they mailed out a new card they put it in as lost or stolen and opened up a new account for my account protection but instead this is not what needed to be noted or filed they did not have the right to open a new account and did it without my permission I found this out when viewing my credit report. Since then XXXX  has failed to want to take this off of my report and says it should appear as two accounts and says that it's XXXX XXXX fault, and shouldn't be worded as two accounts and says there is a note on it saying it was reported by me as lost or stolen and I did not report it as lost or stolen or ask them to list it as a new account I need them to remove the old account then if this is how they has handled this when I never asked for this I asked when they were going to mail out the card it had been three months of me calling them and each representative told me a different date that it was to be mailed clearly they messed up my account by opening a new one without my consent on XX/XX/2018. Thank you CFPB can you please help resolve this matter

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-02
Company: EQUIFAX, 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:
Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The Equifax credit bureau is required to authenticate this item under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting item as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item and delete it immediately in my report : XXXX, XXXX. XXXX Open Date XX/XX/2018 XXXX : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-08
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:
XXXX and TransUnion isnt removing items that arent mine on my credit report and I sent in police 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 2018-04-19
Company: ENCORE CAPITAL GROUP INC.
State: MS
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX XXXX XXXX is committing fraud by re-aging ( changing the date of charge-off ) on at least one account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
I'm XXXX XXXX and I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other items that need to be UPDATED. The XXXX credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items get corrected. 
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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