BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-27
Company: Experian Information Solutions Inc.
State: MA
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 XXXX XXXX  is showing as an account that not only has a balance but that is still open and that it was included in a bankruptcy, which dropped my score XXXX points. 

I disputed it with experian as well as XXXX  around XX/XX/XXXX and its not changing. 

I spoke with XXXX XXXX on XX/XX/XXXX spoke with XXXX who said the account shows as a total loss in XXXX  computers thus there should be no more reports and account was reported as closed. 

XXXX claimed the dispute was finished on XX/XX/XXXX and didnt change the information. I contacted XXXX again on XX/XX/XXXX and spoke with XXXX who said again the account is closed as of XXXX with XXXX and yet credit bureau is reporting false information with the account still open as of XX/XX/XXXX. 

I have once again disbuted this with experian and XXXX and they are NOT FIXING THE INACCURACIES! They are ruining my credit score and doing nothing to fix the wrong information by saying its true when the company ( XXXX ) clearly shows different and correct 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 non-monetary relief
Consumer complaint received 2023-09-06
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:
I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
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 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 2023-03-13
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I am a victim of identity theft and am unable to access any of my credit reports. I am receiving multiple calls and letters from organizations on accounts that I have not applied for.

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 2023-10-05
Company: Chime Financial Inc
State: CA
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'm relatively new to onlins banking and I was trying to send my friend XXXX XXXX XXXX {$20.00} but I was having trouble trying to do the transfer myself and so I called the Chime number I got on XXXX and a person who was falsely representing Chime online banking answered and Said " Chime, how can I help you? '' I told him what I was trying to transfer {$20.00} from my account to XXXX XXXX and he told me to go to my online Chime account and He would walk me through the process and so I did what he was telling me to do step by step and he did 2 illegal transactions on my account the first attempt to XXXX XXXX XXXX denied but the second attempt through an email at XXXX was accepted and the person took {$410.00} all the money I had in my account on XXXX XXXX and I took screenshots of the illegal transaction but Chime denied my dispute. I still have all of the evidence I have 4 different screenshots I'm sending to you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-27
Company: OPTUM BANK, INC.
State: CA
Product: Checking or savings account
Sub-product: Savings account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
Hi, I have an HSA account through Optum Bank. I used to be a XXXX XXXX employee when this XXXX account was created. I believe the HSA account monthly service fee was waived when I was employed at XXXX XXXX. I just recently checked the balance on my HSA and noticed I had been getting charged a XXXX fee since XX/XX/2020 which is when I left XXXX XXXX. As a consumer, I have the right to be notified that Optum Bank was going to charge a monthly service fee and I shouldve been provided the ways to avoid the monthly service fee. Unfortunately, I never received any paperwork from Optum Bank notifying me that a fee was going to be charged. Thats a violation of my rights as a consumer. I asked for a refund from Optum Bank but they said their policy only allows for 3 fees to be waived per year. Im sure theres many others as me who are also experiencing the same issue.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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 am writing to express my profound dissatisfaction with the delayed removal of fraudulent items from my credit report and the multiple unsuccessful attempts to rectify this issue. I consider the handling of this matter unacceptable and am compelled to bring it to your attention formally. 

I discovered unauthorized and fraudulent items on my credit report. Recognizing the severity of the situation, I promptly contacted your institution to report the issue and request the immediate removal of these items. I was assured that corrective measures would be taken without undue delay. 

Regrettably, since my initial contact, these fraudulent items persist on my credit report. Despite repeated attempts to rectify the situation by contacting your customer service department, the issue remains unresolved, causing significant distress and concern on my part. 

I understand the importance of maintaining the accuracy of credit reports and the urgency of addressing fraudulent activities. The prolonged delay and multiple failed attempts to resolve this matter are not only frustrating but also damaging to my financial standing. 

In light of the gravity of the situation, I insist on an immediate and thorough investigation into the reasons for the delays and the failed attempts to remove the fraudulent items. I request a detailed explanation of the steps being taken to expedite the resolution of this matter and prevent such lapses in the future. 

Furthermore, I demand that you provide a formal, written confirmation of the removal of the fraudulent item within the exact timeframe of receiving this letter. Failure to address this concern promptly will compel me to escalate this matter to the appropriate regulatory authorities and consumer protection agencies. I am asking for your assistance to remove the fraud items : 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 explanation
Consumer complaint received 2023-10-06
Company: EdFinancial Services
State: IL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
EdFinancial Services is making it difficult for new graduates in XX/XX/2023 to get out of the automatic loan deferment granted to new graduates. 

Although this 6-month deferment is a requirement for federal loans and usually benefits the borrower, EdFinancial Services benefits in this circumstance. The SAVE plan allows students with low income to benefit from not having interest accumulate on the loan if their monthly payments are zero. 

Given this, I want to get out of deferment and start payments using the SAVE plan. However, EdFinancial Services makes this process excruciating for students to get off deferment. First, there is no option online on their service portal. Second, the call center has unreasonable wait times, with the quoted wait time being " XXXX minutes ''. The bank is systematically creating barriers for new graduates to take advantage of the SAVE plan and benefit from collecting interest that otherwise would not accrue. Other banks are making this process much easier. Therefore, I believe this to be an intentional choice rather than a lapse in website functionality in order to benefit financially from getting higher interest.

Company response to consumer: Untimely response
Consumer complaint received 2023-10-07
Company: EdFinancial Services
State: DE
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:
With student loan forgiveness no longer in deferment, my first payment was due XX/XX/XXXX. Ive made repeated attempts to make the payment with Edfinancial, but they keep reversing the payments without any explanation. Here is the series of events : -On XX/XX/XXXX I made a payment of {$170.00} XXXX XX/XX/XXXX the payment was reversed -On XX/XX/XXXX I tried again to make the payment of {$170.00} XXXX XX/XX/XXXX {$170.00} was listed as a write-up -On XX/XX/XXXX I made a payment of {$370.00} because my account was saying I was past the due date -On XX/XX/XXXX the payment is reversed I just tried again to pay the {$370.00} my account is saying I owe, but am worried it will just be reversed again. There is no reason these payments should be reversed, it doesnt appear Edfinancial as even tried to take the money from my checking account. I tried to call Edfinancials customer service number on XX/XX/XXXX to get this problem sorted, but was put in a call back list by the automated system and am still waiting for a call back as of XX/XX/XXXX. What is going on? I just want make my payment. I read online that many other people have been experiencing this issue and it was recommended that I file a complaint with CFPB. Hopefully you can help me. Thanks!

Company response to consumer: Untimely response
Consumer complaint received 2020-03-18
Company: Simon's Agency, Inc.
State: NJ
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
simon 's agency alleging medical debt in the sum of XXXX $ on all 3 credit bureaus I have never received notification of this debt in addition, I have full medical benefits with 100 % coverage. 
this debt is not owed by myself.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-25
Company: Risecredit, LLC
State: GA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
I took out a loan with Rise credit in XXXX of 2021. Ive been just allowing an auto draft and decided to check the amount owed and why this loan is not paid off. I checked my account and realized Ive made 28 payments in the amount of XXXX and 4 payments in the amount of {$87.00}. This totals {$5200.00}. My loan amount was for XXXX. Not only are they overcharging, but the balance on the loan amount still shows XXXX! I refuse to believe this is a mistake after reading other complaints from consumers who utilized this service on XXXX This is intentional and disgusting. Im willing to take this so far. I expect my money back in my account, my account standing to be paid in full on GREAT terms, and this to be resolved immediately. This is really sad because it is indeed intentional. You all should really do something about this company! These arent lies from consumers and I have all the proof drafting out of my account as well as screenshots and videos of my balance. I have everything! My lawyer will take this to the extreme, honestly.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-06
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:
This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$370.00} XXXX   ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$150.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/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 2023-07-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
1.Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts AND inquiries deleted or updated. These are the items I demanding to be deleted immediately Listed below are the Accounts that are being challenged XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX - XXXX XXXX XXXX XXXX  - XXXX Listed below are the Inquiries that are being challenged 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 2022-10-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 1681. 

Ad XXXX XXXX XXXX - Account # XXXX XXXX XXXX - Account # XXXX XXXX Bank XXXX XXXX - Account # XXXX XXXX - Account # XXXX The above accounts have 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, states that a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section, states that 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 2023-10-06
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX XXXX REPORTING AGENCY IS REPORTING FALSE INFORMATION IN VIOLATION OF THE FAIR CREDIT REPORTING ACT ( F.C.R.A ) INFORMATION ON MY CREDIT REPORT IS OUTDATED AND COMPAMPANY FAIL TO REMOVE OR CORRECT THIS INFORMATION. 

THE STATUE OF LIMITATION HAS PASSED, DEBTS HAS BECOME TIME-BARRED CREDIT REPORTING TIME LIMIT THIS INFORMATION SHOULD NO LONGER AFFECT MY CREDIT OR ACCESS TO EMPLOYMENT.

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 2023-06-30
Company: Experian Information Solutions Inc.
State: TX
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 kindly request that you remove this erroneous account from my credit report, as it does not belong to me and I did not authorize anyone to use it. I have provided the necessary documents as evidence to support my claim.

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 2019-08-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
the attach documents showing the  creditors pulling my credit more than once in the same day

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 2023-09-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my OTHER request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$1000.00} US DEPT ED XXXX Balance : {$3500.00} XXXX XXXX XX/XX/20XXXX XXXX XXXX XXXXXX/XX/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 2023-03-14
Company: EQUIFAX, INC.
State: IN
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 purchased a lease with XXXX and used their in house financing through XXXX XXXX XXXX. Upon the end of my lease term I decided to lease a new vehicle with the same company and equally went through their in house financing. My vehicle was paid of by the company themselves ( it was literally their vehicle ), the new lease was contracted, I put a down payment on the lease and made my first months payment and thought I was good. The same week I purchased the new vehicle I was receiving collection calls from their back office threatening reporting my late payment to my credit report. You can imagine I was confused because I was in a completely different vehicle and had already made a payment towards the new car. In a panic I went into the car dealership and spoke with the manager. I was told they can see in their system that everything is paid off and it just needs to process. I was told it take up to two weeks to process but no additional payments had to be made. Again, this was a duh for me because it makes no sense to be paying on a vehicle I no longer own. Not only was it in their possession but it was paid off and I was in a new car. XXXX and behold I receive an update on my credit report that after perfect history throughout the entire lease, they reported I did not make my last payment on time. I hopped on this immediately and have written all required information to XXXX. Not only will they not correct the issue but they are taking no responsibility for the negligence on their behalf. I spoke with multiple managers ( even for a second opinion ) and was consistently told it would be remedied. It has yet to be resolved and all Im getting is if you provide new information we will re open the investigation. What a poor investigation. What a poor process and what a poor experience. Now I am looking at a late payment staying on my report for 7 years because they refuse to remove this mark and own up to their mistake. Theres no reason I should have had to do so, but I would have even been willing to make an additional payment and have them reimburse me. Instead I was told otherwise.

Company response to consumer: Closed with explanation