BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-07-23
Company: Chime Financial Inc
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
XX/XX/22 at XXXX pt. 
Lost account access, all funds depleted from account while on the phone with account member fraud services.

Reported to bank and still do not access to account, fraudulent person 's still obtain my account information. Have emailed over 25times, and called with recoded calls made to chime bank 4times. Filed police report with XXXX county police where account was accessed from, and funds taken, contacted store manager and have full cooperation from them. But still no access, to my account, no credits back and no sign of that soon. Said 5 days tell a formal complaint can be made, account suspended, and all my personal information still in the hands of the fraudulent useres who now have all my personal data, address, dob, social, depositing account numbers, email info, and still trying to access linked accounts and depositing account. Which one is my Washington state unemployment which was deposited an hour before theses charges and account drained from.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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 have contacted Trans Union over and over again at the end of XXXX and now going into XX/XX/XXXX on the same matter- all collection accounts are paid, credit cards on a monthly basis are paid in full and I still get a poor credit score claiming the following reasons reported to credit wise : medical debt? - never had medical debt on my credit report, oldest credit card is XXXX years old? - not sure why this would be up there? credit usage - again paid off 100 % at the end of the month when due to score points/dollars according to the credit card I signed up for. 

Trans Union continues to score me at below average on credit used, recent inquires? new accounts? and available credit average. 

Not only did I get a recent credit report that cut off 10 pages of data, but the claim in their letter to me they take matters like mine serious ; y. REALLY???? 

If you have them pull a credit report and send me again, it will be riddled with errors and continue to keep my credit score at an all time low. 

I have been working on this since XXXX, reviewed my credit with an attorney who advised me what to do, and still they are not taking action to clean this up and move forward. 

They are causing me to hold off in getting a mortgage, qualify for poor interest rates on car loans, etc. 

At this point, I would like to have Trans Union compensate me for all the troubles with them in the last 7 years.

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 2023-02-15
Company: EQUIFAX, 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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy 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.

PLEASE ROMOVE THIS ACCOUNT IMMEDIAELY! 

Collection Agency XXXX XXXX XXXX XXXX Original Creditor Name XXXXXXXX XXXX  Date Assigned XX/XX/XXXX Original Amount Owed {$2600.00} Amount {$2600.00} Status Date XX/XX/XXXX Status UNPAID Balance Date XX/XX/XXXX Account Designator Code JOINT_ACCOUNT Account Number XXXX XXXX XXXX XXXX XXXX XXXX Creditor Classification RENTAL_OR_LEASING Last Payment Date Date of First Delinquency

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-09
Company: EdFinancial Services
State: TN
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I have contacted EdFinancial Services twice to correct inaccurate information reporting on my student loans. They have a XXXX loan reporting under the wrong college. The correct college should be XXXX XXXX XXXX which I attended from XXXX XXXX XXXX. However, they have loans listed under my undergraduate college which I graduated from in XXXX. There is no way possible that I took out a XXXX XXXX during undergrad in the previous year when the XXXX loan was disbursed in XXXX. This issue has caused problems with enrolling in another college.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-23
Company: SYNCHRONY FINANCIAL
State: NH
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
In XXXX of XXXX my daughter graduated from high school. At that time I lost child support decreasing my income. It took me until XXXX of XXXX to find a second job. While I was looking for work I had to use my credit cards quite a bit in order to keep all my bills and high electric bills covered. I did not miss any payments at all but it made my usage go up quite a bit. Since then 4 of my credit cards have taken away my credit limits causing my credit score to fall ALOT..!! Is this LEGAL even though I have not missed a single payment in 12 years?? My XXXX cards cut both my limits 2 times. My Synchrony cards cut both my limits on my two cards and today I got a notice that my XXXX card cut my limit. How can this be legal if I HAVE NOT MISSED any payments or defaulted on these loans ...?? The Govt. increases interest rates and the power companies increase electric rates of course people will need to use there cards..!!!! Since I got a job in XXXX. I havent needed to use them but my score has been destroyed because of what your agency is reporting. Again I ask ... .is this legal..? Or should I just find a lawyer and take action that way. Why am I being punished for using my cards when I have NO missed or late payments..?? Also what type of lawyer should I hire for something like this??

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 2022-03-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
Transunion has violated my federally protected rights under the Fair Credit Reporting Act ( FCRA ) I sent TransUnion a letter received XXXX XXXX and they failed to respond. XXXX of XXXX Transunion reported inaccurate information on my consumer report when I contacted Transunion in XX/XX/2021 I told them the car from XXXX XXXX XXXX was not mine they said they had to investigate, they came back 3 months in a roll XXXX to XXXX saying its accurate after telling them multiple times the car not mine. I finally was able to get the situation fixed with the XXXX XXXX in order to get it removed. I was told I can not get a car due to me having two when in fact I only had one, due to the lack of TransUnion inaccuracy and failure to properly investigate pursuant to 15 USC 1681, cause me severe stress and humiliation.

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 2023-07-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
There is incorrect information on 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 2021-07-25
Company: SYNCHRONY FINANCIAL
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I have been disputing several charges from 1 vendor/merchant. This company agreed to provide a multi-day training service, was not able to fulfill the obligation, agreed to refund the money voluntarily, and never did. 

I filed the dispute in XXXX after I realized that the refund wasn't coming voluntarily. It is now XXXX, and my refund has still not been resolved. 

The vendor advised that there were some sort of limitation with their credit card processor, so they needed to process the payments separately. 

Dispute description is as follows : " XXXX XXXX was hired to facilitate a personal safety class for our staff. 
We finalized payment on XX/XX/XXXX. The classes were supposed to start XX/XX/XXXX. 
The owner contacted me to advised that he and his staff would not be able to facilitate the class as agreed and was not sure when hed be able to conduct the class with our amount of people. The owner advised that hed refund the money. 
Weve been patient in waiting for refund. Its been over a month. ''

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-08-19
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: Investigation took more than 30 days

Complaint:
I sent off an investigation request letter to Equifax certified mail on XXXX. They received the mail on XXXX. I asked them to do an investigation on the list of accounts that are on credit reporting. It's been 30 days, and I haven't received a response from them ; here is the Tracking # : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-21
Company: PNC Bank N.A.
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
At some point between calling to request a replacement debit card because mine was expiring and Sunday XX/XX/XXXX my existing debit card stopped working. Ive broken down the timeline of events below. Please note my husband I share a vehicle, I rented a car to drive to XXXX, and returned it on XX/XX/XXXX. 

XXXX XXXX - call for replacement debit card. No card is ever received. Called PNC to check on this, they claim it will be mailed soon and to keep using my existing debit card until the new one gets to me. 
XX/XX/XXXX XXXX - Attempt to use existing debit card in NY while driving to XXXX to speak at a conference. Card is declined for mismatched expiration date XX/XX/XXXX XXXX  - Call PNC, agent shows no concern, has no solution XX/XX/XXXX XXXX  - Call back, get a new rep who shows concern and works on solution. On hold for 20 minutes while she researches. Call drops ( either rep hung up or lost signal ). 
XX/XX/XXXX XXXX  - Call again ask rep to read notes from previous rep, he refuses and claims because Im angry he has to escalate me to higher level rep, Im transferred to the main PNC number ( he lied about escalating ) XX/XX/XXXX XXXX  - Call back, rep is very apologetic, sees the issue, admits theres no workable solution to get it to me. Suggests I call back when back in town before XXXX to have a debit card overnighted to me. 
XX/XX/XXXX XXXX - Call and per directions from previous rep ask for a manager as they are the only ones who can have a card expedited. Transferred to manager who is very dismissive of the issue. Doesnt seem to understand the card not working is a PNC error. She tells me to drive to a branch. I explained that PNC needs to cover the cost of transportation back and forth from branch as my husband has our car at work ( I work from XXXX  ). Again explain that this should be expedited at PNCs expense as deactivation of my card and no replacement ever being mailed is a PNC error. After 45 minutes on hold they still have not agreed to do what previous rep said they would do and expedited a new card.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-02-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I applied for a credit card and was denied ( 15 usc 1681 adverse action- i can not be denied an extension of my credit ), they gave several factors for the denial ( 15 usc 1611 willfully and knowingly giving false and inadequate information ), I spoke to several managers and they all said I didn't know what I was talking, 15 usc 1602 ( I ) my social security card is a credit card

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 2022-06-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
In accordance to my rights of privacy 15 usc 1681 section 602h along with 1681 section 604a section 2. I want all addresses listed on my credit report removed. I have attatched two files that reflect the correct name, correct spelling, correct address. This is the only information on myself that i want present.

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 2022-10-21
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: Was not notified of investigation status or results

Complaint:
I am very disturbed and upset the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60 days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately XXXX XXXX XXXXXXXX Account Number : XXXX XXXX XXXX Account Number : XXXXXXXX XXXX  Account Number : XXXX XXXXXXXX XXXX XXXXXXXX Account Number : XXXXXXXX XXXX Account Number : XXXXXXXX XXXX Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-09
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:
Hi, My name is XXXX XXXX XXXX I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. These items are stopping me from buying a home. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the 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 2023-05-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATE

D MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT
ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

PLEASE SEE ATTACHED 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 2022-10-10
Company: Experian Information Solutions Inc.
State: GA
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:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX  XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00} ; US DEPT OF ED/XXXX  XXXX Date opened XX/XX/XXXX {$89000.00} ; XXXX  XXXX Date opened XX/XX/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 2021-07-24
Company: MUTUAL OF OMAHA MORTGAGE, LLC
State: PA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
On XX/XX/XXXX we reached out to XXXX XXXX from a real estate agent referral. On XX/XX/XXXX we provided a conditional approval ( documented in letters and texts ). On XX/XX/XXXX, those conditions were met. Documents provided to Mr. XXXX. After complaining to Mutual of Omaha about his questionable practices, he runs a second credit check without our permission. Both my wife and I received credit notifications of doing so. Mr. XXXX on XX/XX/XXXX confirms he did so via text message.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-17
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
Good morning I have a loan serviced through Navient and said organization is changing the terms of my loan. I received notice that they are lowering my monthly payments a significant percent and extending the loan for an equally significant amount. They tried to do this close to a year ago as well and I told them under no uncertain that I wanted the terms left as they are. This change would significantly increase the amount of interest I would pay over the course. Upon several contacts I was eventually told I could just raise the amount I pay but I expect that is part of their scheme. Most people wont adjust the autopay and end up with years extra of payments. I have been unable to get it switched back as of yet and am worried they will find a way to ignore my complaints. I hope this agency can help Thank you XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
When I reviewed my credit report, I discovered that these items were erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : 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