BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-12-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : 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 if 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 2023-08-18
Company: EQUIFAX, INC.
State: VA
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXL XXXX, XXXX  XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-11
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Unexpected or other fees

Complaint:
The staff at ace cash express intentionally lies about withdrawal fees. This isn't the first time they have done this. I went in to pay my my rent, I already know that my XXXX XXXX charges me to withdrawal cash however she stated XXXX XXXX was charging me {$5.00} dollars flat and ace cash express fee was {$3.00}. At the end of the transaction {$10.00} is unaccounted for and when I asked for the receipt she said there wasn't one. After arguing with her I finally received receipt, which is beyond misleading, and I also get a text message from my card. XXXX XXXX only charged me {$2.00} for withdrawal, which by the way of my card was swiped as paying a bill it would not have charged me st all, so she purposely put withdrawal instead of transaction, and she clearly lied about her fee being as how XXXX XXXX gave me a breakdown and it said {$2.00} was charged by XXXX XXXX and {$7.00} was charged by her.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-11
Company: Chime Financial Inc
State: NE
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
An online order was placed at XXXX XXXX  on XX/XX/23 at XXXX XXXX for a tool kit to be picked up by XXXX XXXX in XXXX, Alabama, using my debit card number. It was picked up at XXXX XXXX. Please note that I do not know a XXXX XXXX nor have I ever been to Alabama. I currently reside in Nebraska. 

This was a Saturday and I slept in as I didn't have to work and by the time I checked my emails it was too late. I contacted XXXX XXXX right away and they just told me sorry that my card was stolen and to contact my bank. My card was not physically stolen as I still had the card in my possession. I tried to explain to XXXX XXXX that someone had hacked into my account with them and used the card I had on file for a monthly dog food subscription. 

I then contacted Chime aka XXXX XXXX  and cancelled my debit card and ordered a new debit card. I have filed three disputes with Chime and they have denied every claim. I shop at XXXX XXXX freqeuently for animal and yard supplies. I even sent them all of my online and in-store activity to show that I have never purchased anything outside of the Nebraska location . 

Timeline of events : XX/XX/23 claim filed for unauthorized transaction and provisional credit applied XX/XX/23 claim denied XX/XX/23 I requested documents used for investigation XX/XX/23 provisional credit reversed XX/XX/23 I requested documents used for investigation, for the second time XX/XX/23 I requested documents used for investigation, for the third time XX/XX/23 claim denied XX/XX/23 I submitted any information I had for the claim. 
XX/XX/23 I submitted a rebuttal of my claim. 
XX/XX/23 claim denied

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-11-12
Company: CORELOGIC INC
State: NV
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:
15 usc 1681a ( 2 ) ( a ) ( i ) 15 usc 1666 15 usc 1681 i a 1 15 usc 1681 i 5 15 usc 1681 B Read A and 2 Please freeze this report and update my correct information. You guys make it nealry impossible to access my report My name is XXXX XXXX XXXX My addresses XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX My phone numbers XXXX XXXX XXXX XXXX XXXX XXXX I have not opened any new accounts, clear all the inquiries that have no account 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 explanation
Consumer complaint received 2023-08-18
Company: SYNCHRONY FINANCIAL
State: DE
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/2023, I was offered a trial product from XXXX XXXX and was told to pay for shipping which amounted to {$5.00}. I contacted the company XXXX days later via phone and informed them that I will not be subscribing to their product. On XX/XX/2023, I noticed that there was a pending transition for the amount of {$75.00}. I contacted Paypal credit when the transaction was posted and still, they haven't rectified this issue.

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 2023-07-11
Company: DISCOVER BANK
State: NV
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 used my Discover card to purchase a graduation trip for my daughter and myself with a tour company called XXXX XXXX XXXX ; a XXXX XXXX based travel company- Company Number- XXXX ZBN : XXXX, that offered all inclusive, guided tour vacations. I paid for a year for this trip from XX/XX/XXXX until XX/XX/XXXX with 24 payments ( 2 payments of {$120.00} each month charged to my Discover card for my trip fee and my daughter 's trip fee ) over 12 months, for a total of {$3000.00}. 

After delaying travel and forcing customers to reschedule tours ( while still selling additional tours ), XXXX XXXX XXXX closed its door to future trading and declared insolvency as of XX/XX/XXXX. As such, it has left many people, including myself, out of pocket for payments made for future travel with them in XXXX and XXXX. 

Some payments were made before XXXX, but due to the pandemic, initially scheduled trips for XXXX and XXXX were pushed back and rescheduled for travel the following years. After the pandemic, the company continued to cancel trips scheduled and move dates right up until XX/XX/XXXX, when they announced they were closing. This company even sent me an invoice for further travel expenses for my XXXX XXXX trip on XX/XX/XXXX. 

I immediately filed a dispute with Discover after being denied a refund from the travel company. I submitted my documentation which shows that my trip was rescheduled three times, as well as showing that the company refused my refund after having to reschedule the trip the second time. I was denied a refund based on their response that tour guidelines were that there were no refunds... which is ridiculous, as I would have happily taken the trip. I paid those 24 payments in good faith, having no reason to believe the company would cease trading when I made them, and I fully expected to make the trip. If one wanted to be literal about it, I DID meet the return policy criteria and should have been refunded by the company, as I will obviously NOT be able to travel with them, due to XXXX, as they stated. Additionally, the first liquidation report was just released in XX/XX/XXXX, and they state that XXXX XXXX XXXX actually lost millions of it's customers dollars due to trading in cryptocurrency. This is just further proof that this company defrauded customers. 

I escalated the dispute in XXXX of XXXX, and heard nothing back from the company beyond that my dispute was closed and I would not be refunded. I follow a XXXX group solely for customers defrauded by this company and have been aware that MANY complainants have been refunded by their credit card companies and banks. Discover should also act in good faith and refund my money lost to this company. This complaint is my last option to get my {$3000.00} back. Please help! 

XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-03-14
Company: Experian Information Solutions 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: Reporting company used your report improperly

Complaint:
in accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 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

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 2021-05-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have an account I opened with XXXX XXXXXXXX on and around XX/XX/XXXX. Around XX/XX/XXXX while submitting an application for financing for business I was notified by the bank representative that unbeknown to be me on XXXX and XX/XX/XXXX I was late on the student loan payment. 

I Immediately Contacted XXXX XXXXXXXX by phone first to see what this was all about and also to determine why I was not notified by phone or mail regarding this matter. I did not receive any correspondence from XXXX XXXX until XX/XX/XXXX I received a letter stating that they investigated my dispute and everything was accurate with NO explanation or supporting evidence as required by law. 

Then on XX/XX/XXXX more than 30 days from my initial request to investigate this inaccurate reporting. ( I am attaching the response from XXXX XXXX to this complaint. ) I received an email from XXXX XXXX Executive Office stating that they are in receipt of the dispute and they will be getting back to me. Some of the concerns that XXXX XXXX did not resolve with my dispute request are : 1. I was not notified of the negative item reporting as required by FCRA 623 ( a ) ( 7 ) 2. FCRA 623 ( a ) ( 8 ) gives me the right to dispute information directly with the furnisher and the furnisher XXXX XXXX is required to provide proof to justify this reporting all I received was a canned response. 

NOTE : FCRA ( FACTA ), consumers now have the right to go directly to the original creditor and ask for proof of negative information. In addition, court case opinion No. 00-15946 CV-99-00290-D.C. by the US Court of Appeals 9th Circuit, Nelson Vs. Chase Manhattan, the court ruled that the creditor has the responsibility to investigate and make sure that correct information is being reported to the bureaus, and that the consumer has a right to sue under the FCRA, should his or her rights be violated. 

3. Under the Care Act student loans were all placed on deferment. I am not sure if this is a public or private loan but I believe the spirit behind all Americans at the time was to help one another get passed this unfortunate time so XXXX XXXXXXXX to not even inform me about this late and continue to report to frivolous unverified derogatory account is a clear violation of my rights. 

I also contacted XXXX XXXX by phone numerous time I was told my account was transferred to XXXX XXXX XXXX Ext XXXX who has promised me on 3-4 different occasions that she will get back to me and still has not. 

This inaccurate and misleading derogatory has affected my ability to obtain funding and continue to support my business.

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 2023-12-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
15 USC 1681b is a section of the Fair Credit Reporting Act ( FCRA ), which is a federal law that regulates the collection, use, and dissemination of consumer credit information by credit reporting agencies. Section 15 USC 1681b specifically addresses the permissible purposes for which consumer credit reports can be accessed and used by third parties. Under 15 USC 1681b, credit reporting agencies are only allowed to furnish consumer credit reports to those who have a permissible purpose as defined by the FCRA. Permissible purposes for accessing and using consumer credit reports include : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-04
Company: Experian Information Solutions Inc.
State: NY
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:
in accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

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 A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
For purposes of subparagraph ( A ), the term reasonable cause to believe that the information is inaccurate means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of the information.

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 2019-12-04
Company: Experian Information Solutions 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 is missing that should be on the report

Complaint:
XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX   XXXX XXXX XXXX XXXX XXXX, FL 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 2023-12-19
Company: LAKEVIEW LOAN SERVICING, LLC
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Escrow, taxes, or insurance

Complaint:
The escrow amount being required for the upcoming year was not aligned with the amount of taxes or insurance which will be owed. I asked that the escrow be removed from my account. I was told to pay the current shortage of {$520.00} which I did on XX/XX/2023. 

The company experienced a data breach which resulted in the website being completely taken down and phone calls were extremely difficult and sometime just not answered. 

After too many calls to count, the issue is still not resolved. I was told to wait 5 business days which it has been as of today. No resolution has been made and I have not been contacted by anyone from LakeView or 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 2023-10-27
Company: Experian Information Solutions Inc.
State: VA
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:
Submitting this 12th complaint once more as an assurance that these items listed below were removed. Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an id theft report # XXXX. Within 15 days time I will be updating my credit reports once more. I am hoping that these items will be removed from my credit reports : EXPERIAN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: In progress
Consumer complaint received 2022-03-14
Company: Experian Information Solutions 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:
On XX/XX/2022 I sent out an ftc report indicating that i was a victim of identity theft. However credit report agencies did a terrible job in the investigation, they did not throughly investigate if these erroneous account were actually mine, and left them on my credit report which is severely hurting my credit right now, I need these credit Bureau to do a through reinvestigation and remove these erroneous accounts from 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 2023-12-01
Company: Mr. Cooper Group Inc.
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Payment process

Complaint:
XX/XX/XXXX  My loan with XXXX XXXX was transferred to Mr Cooper. I only know this because I got a letter from XXXX XXXX. No contact from Mr Cooper. 

I was able to use the Mr Cooper website to get my new loan number. 

XX/XX/XXXX  I then made a payment using my bank 's bill pay, but it was returned the next day XX/XX/XXXX  Tried calling Mr Cooper, but their phone system says my new loan number is invalid, there is no option to proceed without a loan number they think is valid. Note from above the loan number I'm using is the ONE THEY PROVIDE when I input my XXXX XXXX Loan number and SSN. 

Also tried their website live chat, it just says it's too busy to assist me with a real person. 

The website says my account won't be ready for online use until XX/XX/, but the mortgage payment is due today, XX/XX/. 

How can they take over the mortgage, and then not provide a way to make the payment before it is due? And no way to talk to a real person? That makes no sense.

Company response to consumer: Closed with explanation