BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-30
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
EXPERIAN HAS THE NERVE TO SEND ME A LETTER SAYING UNLESS YOU SEND US ADDITIONAL RELEVANT INFORMATION TO SUPPORT YOUR CLAIM WE WILL NOT REINVESTIGATE THIS INFORMATION AGAIN!!!!? THE NERVE REALLY!! HOW ABOUT STOP WASTING MY TIME AND MAKE IT RIGHT!!! 

ATTACHED IS MY CREDIT REPORT THAT THEY'RE SAYING IS SOOO ACCURATE!! GIVE ME A BREAK!!

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 2019-07-05
Company: Experian Information Solutions 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 information incorrect

Complaint:
On XX/XX/19 a company named XXXX, address XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, SC XXXX XXXX, filed a foreclosure against me on property in Florida that I do not have any ownership in. They also reported the foreclosure to the credit reporting agencies and at least 2 show the foreclosure on their reports, they are XXXX and Experian. Although I am still showing a very good FICO score, approximately 800, the reporting of the foreclosure is causing harm to my ability to access credit markets. Even though the foreclosure documents that I am going to upload at the end of this report reference an overdue loan the filing is only a foreclosure. I suspect this is because the note they reference is 8-10 years old and well past the statute of limitations. XXXX has be made aware of all of this by my attorneys and have not removed the reporting. In addition I have filed disputes with XXXX ( confirmation # XXXX ) and Experian ( report # XXXX ) and they have not removed the reporting either. 
XXXX 's dispute is with the current owners of the property and not me. Additionally if they can not show documentation that I own the property ( which I don't ) they should immediately drop the XXXXeclosure proceedings and amend their reporting to the credit agencies. Absent that, the credit reporting agencies should demand that XXXX produce documents showing that I own the property and if they can't the agencies should remove the adverse reporting themselves.

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 2019-07-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK
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:
on XX/XX/2019 I sent out notarized dispute letters via certified mail to XXXX, XXXX and TransUnion credit bureaus disputing the information with several creditors on my reports. I also sent out letters to the actual creditors, asking both the credit bureaus as well as the creditors for original signed consumer contract as stated in Section 609 ( a ) ( 1 ) ( A ) of the Fair Credit Report Act. 

After no response or verification from either the creditors nor the bureaus, I sent more notarized certified letters out dated XX/XX/2019. Again, I did not get any verification of ANY signed consumer contract as stated in Section 609 ( a ) ( 1 ) ( A ) of the Fair Credit Report Act. 

On XX/XX/2019, after still NO VERIFICATION and NO RESPONSE from either creditor or the Bureaus, I sent another round of letters asking for verification as stated in Section 609 ( a ) ( 1 ) ( A ) of the Fair Credit Report Act. AGAIN FRUSTRATINGLY WITH NO RESPONSE!!! 

On XX/XX/2019, AGAIN,, I sent a final round of letters as a final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve continued violation of the Fair Credit Reporting Act regarding refusal to delete UNVERIFIED information from my consumer file. AGAIN NO RESPONSE!!! 

The unverified accounts on my record have damaged my good name by not allowing me to obtain credit. I know for a fact that all of these letters were delivered and read by all parties they were sent to, and still i had not received any consumer signed contract as verification as stated BY LAW these entities MUST PROVIDE ME. 

I'm past any resolution on this matter and demand that ALL INFORMATION be deleted that was not verified, including all hard inquiries. These supposed creditors and the 3 main credit bureaus have had 81 days to respond to my legal demands and have failed to do so. I'm writing this complaint as an initial request to make this right before I pursue legal action. 

Sincerely, 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 explanation
Consumer complaint received 2022-12-12
Company: Chime Financial Inc
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
This complaint is against Chime Bank my current bank. Problems started up in XXXX of this year when Chime incorrectly withheld my funds that I had authorized to be paid from my own bank account with my own hard earned wages towards my credit card by XXXX XXXX bank. The first time this occurred was on XX/XX/XXXX causing XXXX to place a hold on my account and not have my available credit posted. Then again this occurred on XX/XX/XXXX when I authorized another cc payment to XXXX from my own bank account at Chime. Again Chime bank refused to honor that payment which in turn caused XXXX to permanently close out by cc account stating that my bank which is Chime is not honoring the payments and they did not want to have my business anymore. Not only has this caused a lot of stress for me as I have been making huge payments on my credit card from my own bank account but the credit has been unavailable to use due to Chime not releasing the payment to XXXX but also debiting my account for the same. After numerous complaints Chime bank finally acknowledged their error and attached is the letter I received from them last week. To date I have not received my cash rewards from XXXX that I earned since XXXX of XXXX with my own hard earned money. I have no idea why and I have filed a separate complaint against XXXX for the same. 
I have now opened a new cc account with XXXX XXXX and it seems like the same event is happening again. I made a {$1000.00} payment on XX/XX/XXXX and XXXX XXXX has still not made the funds available for me to use and its XX/XX/XXXX today. I need Chime Bank to be held accountable for their banking errors

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI
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:
I have had a Bank of America Mastercard for 20 plus years. On XX/XX/XXXX I called in to dispute a charge and close the account. Instead of closing the account they sent out a new card that I didn't authorize. 

On XX/XX/XXXX I received a letter saying that the disputed charges were credited to my account. I never received a closing statement or any additional bills. 

Then apparently they allowed some additional charges after XX/XX/XXXX even though I had closed the account. 

On XX/XX/XXXX I checked my online account to see what was going on and saw they had processed additional charges after I had closed the account and on top of that were trying to charge late fee 's of XXXX. I immediately called and spoke to an agent and they said I had to pay the XXXX in late fee 's. I agreed to pay the charges they put through but not the late fee. They claim I'm responsible for the late fee 's which is incorrect.

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 2023-07-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
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:
I have previously disputed this item with Transunion and XXXX ( XXXX XXXX Bankruptcy reference # XXXX ) and in response they said they verified the item as accurate, stating that they have verified the information with the court. I contacted the court, and their response is enclosed. It is clear they do not report to transunion, XXXX or to any credit agencies for that matter : therefore, your original response verifying the item with the court was either an error or a lie. Either way, the reporting requirements do not comply with FCRA 611 ( 15 U.S.C. 1681I ) and the information must be deleted.

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 2021-05-18
Company: Chime Financial Inc
State: UT
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: Card was charged for something you did not purchase with the card

Complaint:
I have had an account with XXXX for almost 5 years. I've never had an issue until XXXX. In XXXX I had XXXX fraudulent charges via my chime credit card. I filed a dispute. Then I was lied to in writing by saying that a provisional credit was issued to me. Upon calling to verify why I couldn't see the credit I was informed I wasn't receiving one and that it would take 90 days for a resolution. I filed a complaint with the XXXX. Again I was lied to because Chime told the XXXX  that I was given a provisional credit. I called Chime again and they said no I wasn't receiving one. Then a few days later I was informed they denied my claim. I called a third time and they said I wasn't able to appeal the decision. Yet when I light into my account even as of today it says 1 of my XXXX dispute was denied and the other XXXX were approved. Again this is a lie. I still dont have my money back. I'm a single mom and haven't been able to pay my rent for the month of XXXX now because of this. I need my money back!! The fraud charges are as follows : XXXX XX/XX/XXXX {$66.00} & {$70.00} XXXX XX/XX/XXXX {$86.00} & {$70.00} & {$70.00} & {$24.00} & {$81.00} XXXX XX/XX/XXXX {$66.00} & {$66.00} & {$77.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 strongly desire not to have this appear on my credit report. I earnestly implore you ; this does not belong to me ; it is a clear case of fraud. Please take appropriate action regarding these inaccurate accounts.

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 2022-09-28
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:
Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to fix the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : US SM BUS ADMIN ODA XX/XX/2020 XXXX XXXXXX/XX/2020 XXXX XX/XX/2020

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 2023-08-25
Company: Experian Information Solutions Inc.
State: SC
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:
It's been unauthored information reported on my credit report I reach out to the companies and credit bureaus that failed to verify the information by providing documents requested of my signed name on the documentation that authored my social security number to be used they also failed to remove the information. Please see the attached documentation that was also sent to the creditor and credit bureau that they failed to response.

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

Please See Attached Documentation 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 ) 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.

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 2022-12-12
Company: EQUIFAX, 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:
XXXX XXXX XXXX was opened in XXXX XXXX it had a credit limit of {$2000.00} and I did not open a credit card with this company. I now have a balance on my report in the amount of {$1100.00} of which is fraudulent. I have reached out to a lawyers office for counsel in this matter. I am hoping that I will be able to handle this matter myself without retaining counsel and this fraudulent information removed from all three credit bureaus. This is impacting my credit badly. I have filed a report with the FTC online about this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-20
Company: Experian Information Solutions 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:
In accordance with the Fair Credit act XXXX  Account # XXXX, XXXX XXXX XXXX has violated my rights 15 U.S.C Section 602 A. States I have the right to privacy 15 U.S.C Section 604 A. It also states a consumer reporting agency can not furnish a account without my written instructions.

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 2023-11-10
Company: MOHELA
State: MO
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 applied for the PSLF waiver before the deadline in XXXX. I then sent in all of my PSLF documentation. This was eventually processed and my payment counter was updated to well over XXXX eligible payments on my existing consolidation loan, most of which are also qualifying, so I am very close to 10 years of completed payments. Please note that they had a different qualifying payment count on the two parts of my sub/unsub consolidation loan which was incorrect because a sub/unsub consolidation is one loan and the count should have been aligned on both parts. They also had missed a couple of months that should have been added to the count. 

Neither of those two issues matter as much now because I had one loan that had been left out of the consolidation that did not get the full payment count. Therefore, I worked with MOHELA to determine if the same payment counts would apply if I reconsolidated to add the missed loan ( because I had applied for the waiver by the deadline ). I was reassured by multiple people at MOHELA that it would. I also found documentation online that it would. My consolidation was finished in early XX/XX/XXXX. My account now reflects just 5 eligible payments. I have called and messaged MOHELA repeatedly for the past 5+ months only to be ignored or told a different story every time I call. I was told that this fall they would update the counter. Then via messaging they said my issue was resolved ( it is not ). The waiver was already approved and processed previously, so all they have to do is update my payment counter to match what I had before and add the months since consolidation. I have attached the documentation MOHELA previously posted online that indicated if consolidating by the end of XXXX, I would still get the payment count benefit ( 4th bullet point ). I have attached the message from MOHELA just after my consolidation reassuring me that I would get the payment counter update to match what I had before. And I have attached a screen print of what my qualifying payment counter looked like just before that consolidation happened.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-19
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:
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. I reported the theft of my identity to the Federal Trade Commission 's 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 2018-05-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MN
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
WE ARE WRITING TO REQUEST YOUR ASSISTANCE AND SUPPORT IN WORKNG WITH OUR 2ND LENDER, BANK OF AMERICA WHO SUDDENLY DEMANDED A PAY OFF ON OUR HOME EQUITY LINE IN FULL AND KEEP REFUSING TO WORK WITH US

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 2023-10-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX reported my payment as late for XXXX but I never got an email or message that the payment I made in XXXX never posted. I still don't know why it didn't post but they should have contacted me to let me know something happened. It could have very easily been an error on their website which is always down with issues. I have never missed a payment on anything and it's totally ridiculous that this was reported instead of alerting me. I demand that it be removed from my credit report. Once I found out the payment never was made I of course paid it and the 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 explanation
Consumer complaint received 2022-12-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Last month I had an issue with this company. To help me get my payment made in time I sent my check ( only 1 this time ) registered with the US mail. The payment was suspiciously posted in plenty of time to make their deadline to avoid interest charges. I paid my legitimate charges plus their bogus interest charges. 

This month, though, they posted a payment of {$80.00}, which I did not make. I did not send a check for {$80.00} to them & I now show a credit on my account. 

I have not heard from the credit card company to date from last month 's complaint. There is a note on my original complaint that they are looking into it. 

Capital One has an internal problem with posting payments & they need to correct it. It has caused me a lot of time & frustration. I have paid my XXXX bill in full for many years on a monthly basis & now lose my credit score because of a company that will not listen to us when we call or follow up on complaints with the consumerfinance.gov.

Company response to consumer: Closed with monetary relief