BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-03
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: Account information incorrect

Complaint:
Dear Sir/Madam, I am writing to follow up on my previous dispute regarding the inaccurate information that is appearing on my credit report. It has been brought to my attention that XXXX has completed its investigation, but I am disappointed to learn that the inaccurate information remains on my credit report. 

As I mentioned in my previous correspondence, this collection is not related to any transaction that I made, and I am alleging that a person or company without my authorization used my personal identifying information to apply for goods, services, or money, and was successful in creating some accounts. The reporting of inaccurate information has caused significant harm to my credit score and ability to obtain credit, in violation of Section 1681s-2 ( a ) of the FCRA and the CFPB 's Bulletin 2013-1. Additionally, I believe that the inclusion of this inaccurate information on my credit report is a violation of the following codes : [ 15 US C 1681 section 604 A Section 2 ], [ 15 USC 1681 Section 602 ], and [ 15 US code 5 1681b ].

Therefore, I am requesting that you take immediate action to remove the inaccurate information from my credit report, specifically the account related to the trade XXXX XXXX XXXX XXXX with the account number XXXX. Furthermore, I request that you provide me with a written statement of the results of your investigation and a copy of my corrected credit report, with the XXXX XXXX XXXX XXXX account completely removed from it. In accordance with the FCRA and CFPB guidelines, I expect your prompt response within 30 days of receipt of this letter. 

Please be advised that I am willing to take all necessary legal steps to rectify this matter, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ) if necessary. I hope that it will not come to that, and that we can resolve this matter in a timely and efficient manner. 

Thank you for your attention to this matter. 

Sincerely, [ Your Name ] CFPB Codes : Bulletin 2013-1 Section 1036 of the Dodd-Frank Wall Street Reform and Consumer Protection Act Section 1681s-2 ( a ) of the FCRA Section 1681b of the FCRA

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 2020-07-17
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Experian has failed to update credit reporting. Ive requested to have the past due reporting updated to current and never late for my XXXX XXXX account opened XX/XX/2017. They have failed to report accurate information and have violated my consumer rights according to the FCRA.

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 2023-11-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Despite multiple written requests, the unverified accounts listed below continue to report on my credit report, in violation of federal law. I included a date on the last letter I submitted to the 3 credit bureaus, but no answer was received. These accounts must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate these accounts, I will take legal action against you. Please abide by the law in order for this matter to be resolved promptly. 
XXXX XXXX Balance : {$57.00} XXXX XXXX XXXXXXXX Balance : {$1800.00} XXXX XXXX XXXX XXXX Balance : {$22000.00} XXXX XXXX XXXXXXXX Balance : {$6100.00}

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 2023-11-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




Open Account : XXXXXXXX XXXX XXXX # XXXX Closed Accounts : XXXX # XXXX XXXX # XXXX 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 of 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 2021-12-01
Company: JPMORGAN CHASE & CO.
State: PA
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 recently bid on XXXX diamond rings on the website liveautioneers - auction house - XXXX XXXX XXXX. I asked the merchant if I could just upgrade the XXXX ring instead of purchasing XXXX separate rings. They agreed and said they had a larger diamond that they could offer me. They sent me a photo of XXXX diamonds that they had available. I selected XXXX of the stones- XXXX ct. My original purchase of ( ring XXXX {$1100.00} + ring XXXX {$1500.00} = {$2600.00} ) now is totaling {$6600.00}. I have no idea how it got so high. They requested a deposit thru my checking account of {$3400.00}. I did not realize at the time that you can not dispute an echeck. That money is gone. The balance was charged on my Amazon Chase Credit Card for {$3100.00}. I was away on vacation while this was going on, and not fully paying attention. I was out of the country. I was also going thru the dispute with XXXX XXXX  regarding a lab created diamond. I was nervous and asked to cancel the purchase. They said I could not cancel the order. When I returned from vacation and opened the package containing the diamond ring, I was shocked. The diamond was not the one I selected. This diamond is XXXX. I would never had selected a brownish diamond. They included a certificate indicating the ring is worth {$18000.00}. I took the ring to a reputable jeweler and paid {$150.00} to have the ring appraised. The ring was appraised for {$6900.00}. - Color MN ( XXXX XXXX ). Not even close to the estimate XXXX XXXX sent with the ring- {$18000.00}. I disputed the charge with Chase and Chase said they sent all the appropriate documents, and when I bid on the ring, I waived my right to dispute the charge. Well I had no idea they were going to put a brown diamond in the center of the ring. I did not select that stone. Chase said it was a valid charge- {$3100.00}. I already lost the money they took out of my checking account - {$3400.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Old information reappears or never goes away

Complaint:
XXXX XXXX has not been a loan provider for my student account for years. All my loans were transferred back to the original holder XXXX XXXX  several years ago. In 2021 XXXX XXXX  forgave all my loans and closed my accounts yet XXXX XXXX is attempting to report that student loans are active on my credit report. They are reporting recent late payments which are not at all true.

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 2021-10-26
Company: ORG GC GP Buyer, LLC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
There is a 3rd party collection agency that has been harrassing me, saying I owed money to XXXX XXXX. I told them I did not owe this money about 15 times in the past 5 months and they reported it to the credit nureaus anyway, completely destroying my credit score. Now I have to jump through hoops and bend over backwards to show I do not owe money on an account I do not have. On top of that they are refusing to speak to me because they have my name spelled wrong and they are saying that it is not my account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-25
Company: MOHELA
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem with your payment plan

Complaint:
I am qualified and approved for the SAVE plan, which sets my monthly payment at ~ {$180.00} a month. I have registered this with FederalStudentAid.gov.

Recently, my loan provider was switched to Mohela. Even though I am approved for the SAVE plan, Mohela reverted to outdated information, which almost doubles my monthly payment. I went through and I reapplied to the SAVE plan through Mohela 's website ( even though they should already know that I'm on that repayment plan ), and the website verified that I should be paying the ~ {$180.00}. Despite that, Mohela charged me the higher amount based on the outdated repayment plan on XX/XX/23. In order to talk to any customer support from Mohela, there is a 120+ minute wait on the phone -- I live on the west coast , and their hours are only east coast working hours, meaning it is next to impossible to reach them by phone. This is ridiculous and I can not believe that this company is being allowed to operate and charge student borrowers more than they should be able to, especially considering how hard this debt crisis is hitting the average person.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-24
Company: Experian Information Solutions Inc.
State: MO
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 am writing to formally complain about the ongoing issue of an unresolved charge-off account on my credit report. Despite numerous attempts to dispute and remove this account, it continues to negatively impact my credit history, causing significant financial harm and distress. 

I would like to provide a summary of my efforts to address this matter : I first discovered the presence of the charge-off account on my credit report. Subsequently, I immediately initiated disputes with your credit reporting agency, providing evidence that this account was inaccurately reported. 

Over the course of several months, I have made multiple attempts to dispute and remove this charge-off account. I have followed all required dispute procedures, provided requested documentation, and communicated with the creditor associated with this account to rectify the issue. 

Regrettably, despite my unwavering commitment to resolving this matter, the charge-off account remains on my credit report, adversely affecting my creditworthiness and causing me financial distress. It has not been removed, updated, or adequately investigated by your agency or the creditor. 

These unresolved issues on my credit report have caused me significant financial hardship and emotional distress. I have followed the proper dispute procedures and expected a timely and accurate resolution of my credit history. 

I kindly request that you take immediate action to thoroughly investigate and remove this charge-off account from my credit report. Furthermore, I ask for a written response outlining the steps your organization will take to rectify this matter and prevent future inaccuracies on credit reports. 

I am fully aware of my rights under the Fair Credit Reporting Act and other applicable laws, and I will not hesitate to take legal action to protect my rights and interests if this issue remains unresolved. I am asking for your immediate assistance to remove this charge off account in Experian, 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 explanation
Consumer complaint received 2019-12-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
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:
XXXX  and Transunion are reporting incorrectly that I am ( 120 ) days late on DPT EDXXXX partial account numbers XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX and XXXX. ( Please see attached credit report. ) These accounts report a {$0.00} balance and {$0.00} past due. I am not disputing any prior late payments however, this account is being reported as if I am past due in present day. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due. This incorrect reporting is harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.

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 2019-12-17
Company: DISCOVER BANK
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Discover Bank lowered my balance 3 times without any notice in advance, no letter, no email was never received. This action took about 60 points from my credit score. The last time they lower my balance lower than actual balance I had on my card so the made my account in overspend position.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
On XX/XX/XXXX, Capitol One financed a vehicle with 8.4 % interest. On XX/XX/XXXX, I went to a Capitol One location and called for a pay off as of XX/XX/XXXX. On XX/XX/XXXX at XXXX am, an electronic payment was received by Capitol One from my XXXX XXXX XXXX account in the amount of {$12000.00} which is the amount both Capitol One representatives advised is needed to pay the account in full as of XX/XX/XXXX. On XX/XX/XXXX, I called Capitol One to make sure payment received, paid off, and no more fees due. The representative told me payment not received, will post to account 3 -5 days, and will back date to date payment received. The representative also told me to hold so she could find out if any other fees are due then the phone disconnected after a few minutes. I called again on XX/XX/XXXX. The automated system advised I owe {$11.00} and payment posted to account on XX/XX/XXXX ( electronic payment received by Capitol One on XXXX at XXXX am ). I selected the number on the phone to speak to a representative to advise payment received by Capitol One on XXXX not XX/XX/XXXX and to inquire why I owe interest from XX/XX/XXXX - XX/XX/XXXX. However, after holding for a few minutes the phone disconnected. I have all calls ( XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX to Capitol One recorded.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-25
Company: MOHELA
State: PA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem with forgiveness, cancellation, or discharge

Complaint:
I switched from another student loan plan to MOHELA to qualify for PSLF forgiveness, as I am a XXXX  by profession and worked for qualifying employers. In doing so, I took on even more debt, because it extended my payments/ interest out. However, it was the only way to have my loans qualify for PSLF, so I thought that the benefit would be worth it. 

Forms for each employer were due by the end of XXXX, XXXX. I submitted them XX/XX/XXXX. I had three qualifying employers under which I made payments, but only one was accepted for PSLF. The reason given on the MOHELA website was that they had received " duplicate forms. '' I called to question this, and was told that they received my forms twice, and therefore, those employers would not longer be accepted / eligible. I told the operator that this did not make sense. I had no idea how the form got there twice ( did the fax re-send? ). In addition, what difference would it make if they receive two copies of the exact same form? If the employer counted for eligibility, they counted, and it should make no difference if they received one copy of the form or ten... the form was submitted in time. I was told that my issue would be escalated, but I never heard from anyone to resolve this. 

Within the past month, I have tried to contact MOHELA again to discuss the issue further. The website says that if there are questions, I should contact them. However, when I call, I receive a message saying that due to high call volume, they are not accepting calls at this time.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-17
Company: EQUIFAX, 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:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND AN INACCURATE ACCOUNT THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THIS NEGATIVE ACCOUNT HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT AND TO MYSELF PERSONALLY. I HAVE KNOW IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO ME. I FEEL LIKE IT IS NOT FAIR TO ME AND I SHOULD NOT HAVE TO SUFFER THE CONSEQUENCES FOR SOMEONE ELSE 'S ACTIONS. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNT AND HAVE IT REMOVED OFF MY CREDIT AS SOON AS POSSIBLE.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-23
Company: Chime Financial Inc
State: OK
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Incident happened with Chime Bank on XX/XX/2023. I was contacted through their phone number XXXX by someone in their fraud department. He said that my account had been compromised and that they were going to put my account under a 24-48 hour surveillance. He walked through the steps to help me change my password to : XXXX. He called me 2 times through the bank number and sent me several texts through the Chime texting thread. He sent a text telling me it was a fraudulent charge that will drop off, but he wanted to be sure the system was working.The last text says " Glad that was you. The transaction was declined, but you have 1 hour to try this transaction again. '' Later that day I checked my account to verify everything was okay, and money had been transferred from Chime Credit Builder to my Checking acount in 2 transfers of {$1000.00} and {$200.00} ; and then there were 3 transactions to XXXX in the amount of {$200.00} in XXXX XXXX, FL. ( I live in XXXX, OK and am XXXX XXXX XXXX female. ) That is a total of {$610.00} gone from my account without my knowledge. 

Chime has denied my request 3 times. I have provided screen shots showing that the calls did come from Chime, and of the texts I received from their system. You can see the time I was on the phone coincides with the times the money was transferred and spent. 

I have filed complaints with XXXX and FBI and now your Bureau. Please contact me with any questions or if you need more information or documentation.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-29
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Attached 4 pages of my report identifying all wrongfully reported information on my credit profile. With this request I demand Experian to delete and update my files. Only correct name is : XXXX XXXX, only correct address is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX please note the the correct address left without being highlighted by me is the correct one but please separate the 1 from XXXX XXXX 


Highlighted information on report is wrong, please delete. I'm attaching Driver License for your records and verification.

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