BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
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. 

I told the XXXX, XXXX, and XXXX to reinvestigate these accounts : 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 However, they stated that everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are supposed to modify accounts that isn't reporting correctly. 

15 USC 1681 section 602 A. States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states customer reporting agency can not furnish a account without written instructions.

15 USC 1681c ( a ) ( 5 ) Section States : no customer reporting agency may make any customer report containing any of the following items of information Any other adverse item of information, other than records of conviction of crimes which antendates the report by more than seven years.

15 USC 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 belive that the information is inaccurate. 

Also they aren't even in compliance with XXXX XXXX credit reporting, I have evidence to prove my case.

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 2023-06-13
Company: LEXISNEXIS
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have recently received information from XXXX of a allegedly Bankruptcy that they say was verified from the court, I contacted the court who response was they don't verify to credit bureaus. I disputed the information again for proof of verification from XXXX who responded that this was verified from XXXX XXXX I reached out to XXXX XXXX who sent me documents of a removed bankruptcy for being unverified. I sent that information to XXXX on XXXX and they just responded with a result of accurate and unchanged result on XXXX. I called to speak with XXXX and spoke to XXXX in the dispute department who said it was verified from XXXX XXXX XXXX XXXX who is not a verifiable source. XXXX XXXX Denied me credit for this alleged Bankruptcy.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-04
Company: Bread Financial Holdings, Inc.
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
For the last XXXX XXXX  comenity has had serious system issues and issues trying to make payments. Which they are aware of. I finally get my accounts fixed by a specialized team and within XXXX XXXX it got all screwed up again. They fixed some of the issues but not all. 
Today my XXXX XXXX updated and it said some of my accounts were closed and charged off and sold to a debt collection agency. 
I was told all these issues would be fixed and I would not longer have any negative impacts on my XXXX 
This has been absolutely horrendous and XXXX has completely destroyed my XXXX for an issue they are having. I want this fixed. 
I was told I could create new accounts when my cards came in and they are still not here. How can I create new accounts if you guys close the cards on me and sell them off?? Im also XXXX XXXX so calling doesnt work for me but XXXX XXXX has been noting just like so many customers have youre either on hold forever and get hung up on or you never get through. This has been absolutely shameful.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-06-16
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
I have explained to the credit bureau that this information included in this identity theft report does not belong to me and I did not go to any company requesting credit or an account with these companies. The credit bureau told me to call the company that the inquires are listed for I did and they send me back to the bureaus. All of this information is making my report look bad and even worst part is I didn't do this. Please delete this information. I have tried to call and ask someone to looking into this but they all read the same script that this can't be removed, but how is that when the bureau is only supposed to report only correct information. Please delete these inquries.

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 2020-04-14
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Im a victim of identity theft someone got my XXXX XXXX card and my XXXX card and used it, which I contact the company right away and they closed the card and they still trying to make me pay for something i didnt use

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
In XX/XX/XXXX, I was reviewing my credit file & came across numerous items which I did not recognize, know existed or authorize. I contacted the companies to inform them of the issue. They instructed me to file a complaint with identitytheft.gov & credit an identity theft report for their records. The following information listed is inaccurate & opened due to identity theft. Please see the following information is blocked from my report as I did not benefit or receive any goods or services from these accounts. Here is the list of information I need removed/blocked from my credit reports : inquiries - XXXX XXXX XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX ; XXXX XXXXXXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXXThe address needs to be removed XXXX XXXX XXXX XXXX XXXXXXXX, AZ XXXX & the following accounts- XXXX XXXX XXXX Balance XXXX : {$870.00} XXXX XXXX Balance Owed : XXXX XXXXXXXXPlease block this information from my credit report, pursuant to section 605B of Fair credit reporting Act and send the required notification to all furnishers of this 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 2023-03-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
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. XXXX XXXX XXXXXXXX # XXXX 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 : 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. 

There have been attempts in XX/XX/XXXX and XX/XX/XXXX to delete this item from my TRANSUNION credit report. TRANSUNION is the remaining organization that has not deleted the referenced account from my consumer report. As indicated before, this account was opened in XXXX. I was 11 years of age at the time and incapable of opening an account with XXXX XXXX  XXXX. I have previously provided my state identification and birth certificate but my efforts to remove the account have not been honored.

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 2021-12-06
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Denied a debit card due to unauthorized transactions from predatory merchants

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 2021-12-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Can't contact lender or servicer

Complaint:
On XX/XX/XXXX I purchased and financed a XXXX XXXX XXXX from a used car dealership XXXX XXXX XXXX  in XXXX XXXX At the time of purchase the dealership insisted I must finance the car purchase through them. I was approved for the loan through XXXX XXXX Bank the dealership had set up. After purchasing I had trouble obtaining the registration and contacted them several times. In XX/XX/XXXX I received the car title in the mail that showed two liens holders on the vehicle. Bank of America as lien holder 1 and XXXX XXXX bank as lien holder 2. I immediately returned to the dealership. I was told this was an error and I should receive the updated title in the mail in a few weeks once the DMV updated their records. I had followed up countless times since with the dealership. After following up with the DMV it was determined they did not receive the lien release from bank XXXX. In XX/XX/XXXX I began contacting Bank of America, XXXX, XXXX XXXX Bank, XXXX XXXX XXXX XXXX  to help resolve this issue. After a long lengthy process and contacting several agencies it was determined the car was fraudulently registered in my name without my knoledge. The dealership is now no longer in business and I have been unable to obtain the lien release from Bank of America so I can sell the car. I have contacted bank of America several times regarding this. Additional documentation and details since I contacted bank of America last are 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 2023-11-30
Company: LAKEVIEW LOAN SERVICING, LLC
State: IL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process
Sub-issue: Trying to communicate with the company to fix an issue while managing or servicing your loan

Complaint:
To whom it may concern, My lender is Lakeview by XXXX. 

Their whole system went down due to being hacked and I had to find this out via a XXXX  forum. They did not send any communication to their clients and still have not told anyone our information was compromised. They did this before, where they waited 6 months to disclose that our information was compromised, essentially giving no chance to protect our credit with a freeze. 

They sent an email at XXXX last night that their website was back up. It hardly works. I will be 30 days late on my payment tomorrow and I can't make my payment through the website. They already tanked my credit earlier this year by falsely reporting me delinquent for 5 months straight. They sent me a letter saying they'd reverse those ( after I sent them a letter ) but it takes 60-90 days for the credit reporting agencies to report it accurately, and I am trying to get a HELOC, which they won't even work with me on even though this was their fault. 

To top it all off, their call center is still down, so I can't even talk to somebody about the issue. 

This lender needs to be held responsible for their irresponsible tactics and dangerous lack of communication with their clients. 

For the record, they also took 2 years to resolve my forbearance after numerous attempts and fails at a loan modification on their end whether it was incorrect documentation, underwriting taking months long, " mail issues, '' etc. I eventually got a grant from the state to pay it off, and there was over {$3000.00} of funds applied to " fees and charges '' I incurred over the course of my forbearance, and I still have no idea what these " fees and charges '' are for. My loan was current the entire time, so what fees could I have incurred? 

Also, when I call the call center, and it asks me for my social and I enter it, it says my social is invalid, which is EXTREMELY concerning. 

I want to refinance and switch lenders but I literally can't get away from this lender, and I am seriously concerned about their ability to protect my information, handle my funds properly, and communicate with me when something happens. 

Thank you

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 2021-06-08
Company: Early Warning Services, LLC
State: OH
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I was on XXXX XXXX XXXX  page and saw they were selling limited edition XXXX record players, so I commented asking if they would ship orders to other states since they were only delivering within CA at the time. Someone replied to my comment to find XXXX on XXXX. 

I wanted to order the record player and vinyl set, and he said he could ship it to me ( XXXX now offers online ordering : -/ ). I paid him XXXX} on XX/XX/2021 through my bank ( XXXX ) using Zelle. On XX/XX/XXXX, he sent me an email ( XXXX ) with a tracking number from " XXXX XXXX XXXX XXXX ''. I found out later that this company does not exist. 2 days later, I got an email saying my package had be held at XXXX XXXX XXXX. When I called their non-emergency police line, they said they do not work with civilian mail and that I had been scammed. 

I have tried filing 2 reports with Zelle, but I have not been able to get into contact with anyone on the phone or over email. I called my bank, and they said there was nothing they could do since the payment had already been accepted. 

XXXX XXXX has since contacted me multiple times via XXXX text and XXXX  calling demanding more money or I will not get my shipment ( which I have now verified does not exist ). I am scared because this individual 's XXXXStories show firearms, and he has my home address. 

The email he had me send the money to through Zelle was XXXX, and the tracking confirmation email came from XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
HELLO, I CHECKED MY CREDIT REPORT AND NOTICED UNAUTHORIZED FRAUDULENT INQUIRIES THAT I DID NOT GIVE CONSET TO. I AM DEMANDING THESE INQUIRIES BE REMOVED WITHIN 4 DAYS AS THEY ARE FRAUDULENT. I AM A VICTIM OF IDENTITY THEFT. I REPORTED THE THEFT OF MY IDENTITY TO THE FEDERAL TRADE COMMISSION. PLEASE DELETE THE ITEMS AS SOON AS POSSIBLE.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-13
Company: Experian Information Solutions Inc.
State: GA
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, XXXX XXXX XXXX XXXX # XXXXXXXX XXXX # XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX and XXXXXXXX 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

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 2018-12-13
Company: U.S. BANCORP
State: OR
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
I used XXXX App to send {$1000.00} to my daughter in XXXX, there were no indication at the time of remittance that there is a problems with my transaction but when it was delayed I checked with the bank ( US Bank ) then I received a 34 page " On line use Rules and Regulations '' to complicate already devastated situation.I want to know from the bank " What is the purpose and Need '' of such a long write up?

1-To confuse 2-To show the authority 3-To hold other peoples money in their account.

It is simply not needed and must be removed immediately.

Thanks XXXX XXXX, XXXX XXXX XXXX XXXX State of Oregon

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 2023-06-17
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:
Inquiries Late payments Accounts that do not belong to me Improper use of my credit report The car dealership I used is my main target for my complaint for breach of peace and a fraudulent contract on a consumer financed purchase Being denied for credit and wrongful reports on my social security number

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 2023-06-16
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: Their investigation did not fix an error on your report

Complaint:
On XX/XX/2023, and XX/XX/2023 I submitted investigation and validity letters to the credit bureau via certified mail, asking for them to investigate some erroneous invalid reporting. 

The credit bureau is double reporting an " unverified '' debt which is negatively impacting my credit. 

The alleged debt is from XXXX XXXX  # XXXX. However, XXXX XXXX XXXX  are reporting the same " invalid '' debt on my credit for XXXX XXXX  # XXXX. Neither company has any right to report on my credit because this is not my debt! Both creditors have failed to show me any accurate documentation to validate this debt! I want these immediately removed from my credit report. I have suffered long enough just trying to get through to robotics of this credit bureau not taking my investigations and credit seriously!

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 2021-12-04
Company: Chime Financial Inc
State: OK
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
XX/XX/XXXX. I Called to report lost card and get replaced. They told me 7-10 business days. My app told me XX/XX/XXXX XX/XX/XXXX drove XXXX mile to post office no replacement card in the mail drove XXXX mile Back home XX/XX/XXXX called them back asked what the problem was. So now they tell me my card will be in my XXXX XXXX XXXX the XX/XX/XXXX. They verified address XX/XX/XXXX drove XXXX miles to post office check mail no card drove XXXX miles back home XX/XX/XXXX called them again this time they tell me card wasnt mailed until XX/XX/XXXX, it took them 13 days to put a replacement card in the mail. Then they tell me they received one back saying undeliverable no receptical, its a post office how can it be no receptical. 

XX/XX/XXXX. Drove XXXX miles to post office. No card Called again and again the girl on the other end was of no help. So I asked for a supervisor. After about XXXX minutes this guy comes on the phone saying hes a supervisor. Said he would expedite a card to me but he didnt see where they had mailed one on XX/XX/XXXX. 

XX/XX/XXXX drove XXXX miles to post office no card. Drove XXXX miles home. 

XX/XX/XXXX. Called once again asked for a supervisor instead of dealing with person on other end of phone. She said card mailed on XXXX. Nobody expedited a card to me they couldnt anyway sines its a XXXX XXXX XXXX She told me one was sent but no receptical. At a post office really. I told her if it was not in my mail XXXX XX/XX/XXXX I was going to file a complaint. And here I am. 

This has caused me a lot of stress had to borrow money to pay rent because landlord only takes cash or check. I cant even go to laundry to wash my clothes or pay toll to go see family. It has caused a great hardship on me. I had no way of getting cash from my own account. I told them I really needed the replacement card but I got nothing but a run around. Hopefully you will have better luck. 
Ps they should have to reimburse me for all my time and gas. Thank you

Company response to consumer: Closed with explanation