BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-19
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 account listed below continues to report on my file. The late payments are inaccurate, the payments were made on time. Please update the late payment markings to show correct payment history. Update the account below : XXXX XXXX XXXX XXXXXXXX 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 2023-09-17
Company: Genesis FS Card Services, Inc.
State: CA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I enrolled in the payment protection program. Initially, the payment protection department was compliant sending me documents and forms to be completed. I completed them right away and submitted them. I called in thereafter to confirm documents I completed were received in good order. I sent them in on three different occasions and each time, the payment protection dept stated they have not received all of my documents when I repeatedly submitted them. They are not following up or initiating my payment protection benefit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-08
Company: Maximus Education, LLC dba Aidvantage
State: NC
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 have tried to make payments on my student loans through my loan servicer, Aidvantage. The first attempt occurred on XX/XX/2023 for the full amount of my loan, which was {$50000.00}. The payment was reversed, and I thought it was due to making such a large payment with a newly attached account through XXXX. The second attempt occurred on XX/XX/2023 in the amount of {$5000.00}. I received an email confirmation that my payment was received and posted. When I checked my account today, I found that the payment was reversed, again, without any email notification, and my account shows that I missed a payment. However, there was a document in my inbox in my Aidvantage account that stated that the payment was denied because of an incorrect account number. However, my account number that I linked to make payments is correct. I have tried to call Aidvantage multiple times but am unable to speak with a representative after waiting on the phone for hours.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-19
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:
Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The XXXX credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my report : 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
Consumer complaint received 2023-10-10
Company: Experian Information Solutions 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 - EXPERIAN, XXXX, AND XXXX 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 Accounts : XXXX XXXXXXXX XXXX  # XXXX Closed Accounts : XXXX # XXXX -- {$18000.00} XXXX # XXXX -- {$10000.00} UNAUTHORIZED INQUIRIES : XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 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 explanation
Consumer complaint received 2023-09-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
There are fraudulent accounts and inquires on my 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 2020-09-24
Company: EQUIFAX, INC.
State: IL
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:
Equifax and XXXX  should not be reporting that I am ( 120 ) days late on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a XXXX dollar balance. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. This false reporting of late is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureau to remove this however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-15
Company: Chime Financial Inc
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On Wednesday XX/XX/XXXX I went to a XXXX store to withdraw money from a XXXX ATM. My first transaction was for XXXX dollars. The Atm showed processing on the screen & was buffering for a min or two. Then it showed canceled transaction on the screen & went back to the main menu. I thought it was due to the amount I tried to withdraw so I tried it again for XXXX and got the same message on the screen. I told the guy that worked in there that the Atm wasnt working & apparently he knew because someone else just experienced the same thing before me. I then went down the street to an ATM in XXXX. This ATM was working! I did 3 transactions for XXXX dollars & then tried to do another transaction for XXXX & XXXX both were declined, which shouldve been because I had the available funding in my account. I called Chime & asked why was my transaction Declined & the agent said because of a XXXX dollar transaction at XXXX. I explained I Never received Any money & something was wrong with that ATM. I told the agent I tried to do 2 transactions at XXXX and the amounts. She said she seen the XXXX dollar transaction was returned but not the XXXX dollar one so I did a dispute immediately with her. I called XXXX & spoke with a manager who explained they have nothing to do with the atm & he gave me a number to call that didnt work. I then contacted XXXX customer service to get help & they said my bank chime had to dispute the transaction. I called chime back & told them what XXXX customer service said. No one could give me a number to the merchant that was in charge of the atm. I spoke with a supervisor at chime who said I qualified for a provisional credit. The next day I got a message from chime stating my dispute was denied! I immediately called chime back & spoke to another supervisor. He said I can reopen the case & it could take up to XX/XX/XXXX days for processing & if I qualify for a provisional credit ( which the last supervisor confirmed I did ) but he said something different. I explained I need my money! Chime did not provide me with any documents explaining how they concluded their investigation! How did you complete an investigation? Atm machines have cameras & most stores do to. If you check those cameras you would see I Never received Any money from the XXXX ATM machine ( XXXX ). Today I received another email from Chime stating my dispute was denied again! This is unacceptable! Its been almost 2 weeks & I still havent gotten my XXXX dollars back! No proof or anything! Theres no proof because I Never received any money or receipt. The message was displayed on the screen!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-15
Company: eToro USA LLC
State: OH
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
On XX/XX/2021 I opened a trading account with eToro. I opened the account with {$3400.00} directly from my bank account. Trading was allowed immediately upon the opening of the account. XX/XX/XXXX they contacted me with an email that stated that the method used to fund the account was registered under a different name. I assure you it was not. I funded my eToro account with my bank account. Within a week the account activity was limited resulting in a frozen account. All documentation ( Identification, proof of address, proof of payment method ownership, etc. ) that has been requested by eToro has been supplied to eToro under threat of limiting the account. Upon supplying the documentation, the account has been limited anyway. No money is allowed in and no money is allowed out of my eToro account. eToro will not respond to any emails, support tickets or phone calls. They have my money and the account still shows a value of {$3700.00} and they will not allow any action within the eToro account. My account is " Verified '' but " Limited. '' They will not respond to any inquiries.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
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: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Dear Consumer Financial Protection Bureau ( CFPB ), I am writing to formally complain about a serious issue concerning my credit report. Two different collection accounts, namely XXXX  account # XXXX and XXXX  account # XXXX, are currently being reported on my credit file for the same original debt. This seems to be a clear case of double jeopardy, and I believe this is in direct violation of the FCRA. 

Specifically, section 611 of the FCRA provides that consumers have the right to dispute incomplete or inaccurate information on their credit reports, and consumer reporting agencies must correct or delete inaccurate, incomplete, or unverifiable information within 30 days of receiving a dispute. The duplicate reporting of the same debt appears to contravene these guidelines, causing significant harm to my credit score and overall financial health. 

I have made efforts to contact both XXXX  and XXXX  to resolve this matter but have not received any satisfactory response or correction to date. The continued misreporting of these accounts not only distorts my true creditworthiness but also has potential legal repercussions given the violation of federal law. 

I kindly request the CFPB to intervene in this matter urgently. I expect a thorough investigation into these practices and that necessary corrective measures are put in place. Please also ensure that these duplicate entries are removed from my credit report as soon as possible to prevent further harm. 

I am attaching supporting documents to evidence my claims. I am willing to provide additional documentation or clarification if needed. 

Thank you for your attention to this serious matter. 

Sincerely, 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 2023-11-16
Company: Shellpoint Partners, LLC
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage
Sub-issue: Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu

Complaint:
Hello, were still suffering financially from the after effects of covid. I have since been laid off again it was suggested we ask for a deferment or forbearance I was told that we had one deferment and unable to qualify for a forbearance and will not allow us to temp lower payments. Our contact at shellpoint mortgage XXXX XXXX said we can only qualify for a high repayment plan or suggested we sell. I told him I XXXX and that is not an option right now. I have spoken to so many people in similar or worse conditions and have been on forbearance for up to 180 days and received numerous deferments can you please investigate this. I believe theyre discriminating due to being XXXX and on XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-15
Company: General Motors Financial Company, 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:
GM Financial offered us a payment plan in XX/XX/XXXX for the remaining balance on our car loan. We could pay the lump sum or spread the payments over six months. We were told that is we chose the six month plan we would not be marked late or have any fees or interest. So instead of paying the lump some we chose the six months plan so we could have the additional payments on our credit which would help boost our score and help us to buy a house. However, GM Financial marked us late for XX/XX/XXXX, then when we disputed it with them, they now moved the late mark to XX/XX/XXXX. We should not have any late payment marks on any of our credit reports for GM from XX/XX/XXXX to current. We have tried many times to get this resolved. This whole six month plan is turned in to being very deceptive and abusive. If this was going to hurt our credit we would not have taken the offer. We would have paid the lump sum. No one mentioned being reported late, rather they mentioned not having late fees. Also, no one reached out when the payment was considered late. It isnt fair that we should suffer this consequence.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-23
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 Reporting act XXXX XXXX XXXX Account # XXXX has violated my rights. 

1 5 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

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 2021-03-15
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 there is information that I have discovered which is not mine, which I would like to immediately dispute and have investigated. I believe that I may be a victim of identity theft. The accounts that are on my account that are not mine.

I do not recognize these accounts, and have never incurred debt with these creditors. I do not know where they came from. Thus, I am requesting that you please verify the validity of these accounts, and remove them once its confirmed that they are not mine. It could also be possible you are mixing up these accounts with someone that has a similar name as me. Either waythese accounts are not mine, and I would like them immediately deleted. Once deleted, please inform all other credit reporting agencies. If somehow these accounts are verified, I would request you send me all documentation, including letting me know who provided any information to you, so that I can conduct an investigation, or otherwise pursue my legal remedies for reporting things on my credit that are not and never were mine

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 urge you to promptly address this error, clearing me of any responsibility. It is vital that you conduct a thorough investigation into this matter and swiftly rectify the mistake. Your immediate attention to this matter is highly appreciated.

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 2023-05-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
I am submitting this complaint to the Consumer Financial Protection Bureau ( CFPB ) in order to request a formal investigation and correction of an account that appears to contain inaccurate and incomplete information on my credit file, as required by the Fair Credit Reporting Act. Regarding the XXXX XXXX XXXXXXXX XXXX account with a balance of {$0.00} and a date opened of XXXX I would like to verify the payment history and current status of this account. I strongly believe that this account is reporting inaccurate information. I have always made my payments on time and have maintained my own payment records. The information provided by the Credit Bureaus does not align with the records I have. I kindly request a thorough investigation into this account to ensure legal and accurate reporting. Additionally, I kindly ask that the Credit Bureaus verify the aforementioned account. If the information can not be fully substantiated as completely accurate, I respectfully request an immediate correction of this account 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 2023-05-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
You are in Direct Violation of The Fair Credit Reporting Act XXXX XXXX Account Number # XXXX ... has violated several of my rights by reporting this same account multiple with different original balances and multiple late fees for each reporting.

15 U.S.C 1681 Section 602 A. Clearly states that I have the right to privacy.

15 U.S.C 1681 Section 2 : It also states a consumer can not furnish an account without my written instructrions.

15 U.S.C 1666B : A creditor may not treat a payment on a credit open-end consumer credit plan as late for any purpose. 

Remove this late payment and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act.

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 2021-03-15
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:
I have reviewed my credit report, and there is information that I have discovered which is not mine, which I would like to immediately dispute and have investigated. I believe that I may be a victim of identity theft. The accounts that are on my account that are not mine.

I do not recognize these accounts, and have never incurred debt with these creditors. I do not know where they came from. Thus, I am requesting that you please verify the validity of these accounts, and remove them once its confirmed that they are not mine. It could also be possible you are mixing up these accounts with someone that has a similar name as me. Either waythese accounts are not mine, and I would like them immediately deleted. Once deleted, please inform all other credit reporting agencies. If somehow these accounts are verified, I would request you send me all documentation, including letting me know who provided any information to you, so that I can conduct an investigation, or otherwise pursue my legal remedies for reporting things on my credit that are not and never were mine

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