BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-26
Company: Grain Technology, Inc.
State: CO
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:
XXXX balance was due XX/XX/XXXX. 

The balance was initiated on XX/XX/XXXX, but Grain didnt initiate it until XX/XX/XXXX. According to the emailed screenshot of the payment confirmation it was paid on XX/XX/XXXX, through the bank account checking/routing system. 

The payment was reported 30 days late to the Credit Agencies- it is not my fault that I paid it on the due date ( according to the email screenshot confirmation date ) but the company didnt initiate it until the day after. 

This is falsely and inaccurately reporting. 

This payment needs to be updated to Paid on time/current and sent to the agencies to update.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
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 have submitted a letter to XXXX XXXX XXXX regarding an account they are reporting on my credit report. It is still showing up as an open account, paid collection. 

This account should have never been reported as a collection. This balance was paid with the original creditor. They have not responded to me, they havent removed it from my credit profile.

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 2021-05-17
Company: Chime Financial Inc
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I had Chime card for over 2 years. I applied for a loan for my business it was a XXXX LOAN I received XXXX and it was working the all of a sudden they ( Chime ) closed my account with XXXX still in my savings. I called Chime and they wont tell me any info besides I broke a compliance with Chimes regulations but Im not sure how when I was Doing the same exact payments since I have had the card the past 2 years! All of sudden they close my account and say they will mail me a Check if I had money on there! But I did I had XXXX in the savings this was to help me pay my business and employees!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-09
Company: Aldous & Associates, PLLC
State: UT
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
After checking my credit, I noticed that there were 2 accounts in collections from ALDOUS- that do not belong to me. Both were opened on XX/XX/2023. I reached out the the phone number listed on the debt file and tried to gain insight on this account. Prior to reaching out to them, I reached out to XXXX XXXX ( original creditor ) asking what information was used to create these accounts. They verified that they DO NOT use social security numbers to open accounts. Only phone number, payment ( cash or card ) and email address. When I contacted ALDOUS, I first spoke with XXXX and provided this information to him. However, he hung on me. I called back asked the a guy to transfer me back to XXXX, he too, hung up on me. I called back and I spoke with XXXX, asking her to transfer me to a XXXX. Finally, I spoke with a rude, dismissive XXXX named XXXX. I explained to her the situation and she immediately let me know that this was an attempt to collect a debt, and mentioned that I needed to contact a lawyer and have him/her reach out to them in writing. She then hung up without ever giving me the time to further explain what was going on. According to the FCRA guidelines, ALDOUS is in violation on many accounts for reporting this debt on my credit, restricting communication and continuing to report this debt after I've informed them that this is fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-02
Company: REGIONS FINANCIAL CORPORATION
State: FL
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:
I used my card for the wrong transaction my account was charged XXXX I put in a claim and it was denied they never researched I spoke with the merchant and got email that the money will be refunded back to my account on XX/XX/XXXX the money was pending to the bank but now they claim its still not there and wont issue me a credit keep telling me will be XXXX 5 day wait but had they investigated and didnt deny my claim I would already had the money in my account Im XXXX and live on my money so this is hurting me to keep on waiting I tried to open accounts in other banks it will not allow me so Im stuck with this XXXX bank

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 2022-08-18
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:
On XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, I requested the credit bureaus do a verification of a few account for accuracy. They completed their investigation with the companies in question ad stated all information was verified and accurate. i decided to do a thorough research myself and found improper inaccuracies on the report after their investigation. 
In accordance with the FCRA, these creditors listed below has violated my rights under 15 U.S.C 1681 sec 602A. states I have the right to privacy 15 U.S.C 1681 sec604 A sec 2. States a consumer reporting agency can not furnish an account without written consent 15 U.S.C 1681 sec 623. All data must be100 % accurate and verifiable XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-20
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The Transunion credit bureaus must validate this item in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting item as unverified information without providing any proof within the period allowed by law. This account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX Date Opened : XX/XX/2019 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 non-monetary relief
Consumer complaint received 2020-09-29
Company: The CMI Group, Inc.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This company has called me 8+ times on two different numbers asking for someone I'm not associated with. I answered 5 times asking each time to be removed from the " do not call list '' and yet they still call daily, this has now become harassment in my opinion. 

Phone numbers I was called from : ( XXXX XXXX XXXX ( XXXX ) XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I noticed fraud on my credit report due to inquires unauthorized by me. I contacted all 3 credit bureaus and they would not remove the unauthorized inquires.

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 2022-08-18
Company: Maximus Education, LLC dba Aidvantage
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I reached out to Aidvantage to see if I qualified for any loan forgiveness program. Instead they changed my monthly payments to 4x what I was paying and I was never in deference due to Covid. They have now frozen my account so I cant resume my monthly payments. I want to pay 350-400 month. I was paying XXXX monthly for years without missing payments. Theyve changed my payment structure 4x already and every time I call customer service they quote me one monthly amount then change it to something 2-3x more than my original payment plan that they moved me off of without my consent. The promise for loan forgiveness is deceptive in that they try to make you change your payments and use forgiveness as a lure.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-20
Company: EQUIFAX, 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:
This complaint is my Follow-up to make sure that the disputed items in my credit report are deleted entirely for they are fraudulent and erroneous. Kindly delete the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-05
Company: WELLS FARGO & COMPANY
State: ND
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:
On XX/XX/2022, I received a phone call from Wells Fargo phone number XXXX and the person I spoke to claimed they were a Wells Fargo Fraud Protection agent. This person then sent a 6-digit code to my cell phone via text to verify my identity. This is the same process Wells Fargo has in place to verify the identities of their customers, however this time, it was a fraud. I provided the 6-digit code to this person, thinking they were a trusted Wells Fargo representative XXXX This fraudster had now gained access to my account using the 6-digit code sent via text and performed the following activities. This unauthorized person withdrew {$1000.00} from my checking account via XXXX and pulled a cash advance of {$2900.00} from my credit card, transferred to my checking, and withdrew via wire transfer. I submitted a fraud claim to Wells Fargo within 5 hours of the event occurring on XX/XX/2022. As of XX/XX/2022, I was informed by Wells Fargo that my claims were denied and that I was liable for {$1000.00} XXXX transaction, the {$2900.00} cash advance as well as the cash advance fee of {$140.00} plus the interest that has accrued on the cash advance at a rate of 24.24 % APR. Their reason for denying the claims were that I authorized the transactions by providing the 6-digit code to the fraudster. However, my argument is that this fraudster utilized Wells Fargos own identity verification methods against me and I DID NOT authorize these transactions.

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 2022-04-05
Company: EQUIFAX, INC.
State: MO
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:
The credit bureaus XXXX, Equifax did not follow the law, I have disputed accounts and personal information and XXXX had updated Dispute accounts to addresses was use for Identity theft. According to the 1970 Fair Credit Reporting Act these unverified, incorrect and unauthorized addresses must be removed ASAP

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-20
Company: Experian Information Solutions 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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The Experian credit bureaus must validate this item in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting item as unverified information without providing any proof within the period allowed by law. This account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX  Date Opened : XX/XX/2019 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 2023-07-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: 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 XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded 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 2021-05-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I was notified recently i was being sued for a debt that i do not owe. The debt was origination is from Capital One and was fraudulently opened. The collection company suing me is XXXX XXXX XXXX. 

The original creditor was informed early 2020 that the account was opened fraudulently and should be removed from my credit report. After months of back and forth the creditor agreed to remove the account from my credit report and absolve me of liability. 

I strongly believe XXXX XXXX XXXX and Capital One are attempting to scare me into paying the debt with this small claims suite . They are practicing predatory and illegal debt collection techniques. This should be investigated by the CFPB and appropriate action 's should be taken.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-19
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I hope this letter finds you in good health and high spirits. I am writing to bring a concerning matter to your attention regarding the living conditions in my current housing facility. I am currently enrolled at XXXX XXXX and require a suitable environment to study and live in order to ensure the successful pursuit of my academic goals. 

I regret to inform you that I have been facing severe mistreatment, theft, and verbal abuse from certain residents in my housing unit. Specifically, XXXX residents named XXXX XXXX and XXXX XXXX have been unlawfully tampering with mail, stealing personal belongings, and subjecting me to constant verbal abuse. These repeated incidents have created an unsafe and unsettling atmosphere within the housing facility. 

As a dedicated student, it is essential for me to have a peaceful and clean living environment where I can focus on my studies without constant disturbances or fear. The mistreatment, theft, and verbal abuse I have experienced have not only disrupted my daily routine but have also affected my mental well-being, hindering my academic performance. 

I kindly request your prompt intervention in addressing this matter and facilitating a transfer to an alternate housing facility where I can feel safe, secure, and able to concentrate on my studies. I believe that as a responsible authority committed to upholding justice and ensuring the well-being of individuals under your supervision, you will take necessary action to rectify this unfortunate situation.

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 2023-04-20
Company: Experian Information Solutions Inc.
State: VA
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'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 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 2023-04-20
Company: Receivables Management Partners, LLC
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
JP RMP sent me a letter stating I owe a company called XXXX XXXX XXXX {$2200.00}. I have never heard of this company and would like to immediately dispute their fraudulent claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-24
Company: Experian Information Solutions Inc.
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
You are reporting inaccurate information on my credit report. You are still reporting the company XXXX XXXX XXXX on my credit report as that show have been removed immediately due to inaccurate information on my consumer report. Having XXXX XXXX XXXX reporting negative on my account is harming my well being and ability to obtain credit. The company signed a cease and desist letter regarding stopping all communication which includes the advertisement on my credit report. I believe XXXX XXXX XXXX should be removed from my consumer credit report. This is not showing maximum accuracy 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 explanation
Consumer complaint received 2023-07-28
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: Was not notified of investigation status or results

Complaint:
See document attached

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 2023-04-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am submitting this complaint in order to verify some accounts that are erroneously reported in my file. The accounts must be investigated in my file to prevent further damage to my scores, also I sent the necessary documents to FEDERAL TRADE COMMISSION or https : //www.ftc.gov, So I am here to notify/complain to you directly through this platform XXXX XXXX Balance : {$56000.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
TO WH

OM IT MAY CONCERN : 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 Commision and I also have enclosed copies of the Federal Trade Commisions 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