BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
The following inquiries do not belong to me. I did not authorize these inquiries XXXX XXXX  ( Date : XX/XX/2022 ), XXXX XXXX ( Date : XX/XX/2022 ), XXXX XXXX ( Date : XX/XX/2022 ).

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 2023-06-22
Company: EQUIFAX, INC.
State: CA
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:
This is my XXXX 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 Accounts XXXX XXXX  XXXX Balance : {$4000.00} XXXX XXXX  XXXX Balance : {$16000.00} XXXX  XXXX Balance : {$9100.00} XXXX XXXX  XXXX Balance : {$4000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX  Accounts XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ... has violated my rights. 

15 U.S.C 1681 Section 604 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 1666B : A creditor may not treat a payment on a credit card, auto loan account under an open end consumer credit plan as late for any purpose.

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 2023-07-13
Company: JPMORGAN CHASE & CO.
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
In late XXXX early XXXX approximately between XXXX XXXX XXXX of XXXX XXXX checking accounts and XXXX savings accounts were opened at XXXX separate banks in my name via online then arbitrarily closed by both financial institutions within 60 days of them opening. Most transactions to place through online banking, or simply directly at an ATM. When attempting to call customer service, I simply got it back-and-forth about how I was solely responsible for these accounts, and there was nothing they were willing to do since my name, and Social Security number, and current address were used regardless, if I had to open them or not. This is not only affecting my credit, but I can no longer open a checking account with a credible bank both chase bank and XXXX  XXXX XXXX are the federal banks in question neither one has even attempted to help me and is simply closed the accounts. These accounts were negative at the time as the only activity that was done was checks that were being cash fraudulently against these accounts. These checks were made out to names I have never heard of or in my own name from accounts and people, Ive never even heard of have done business with. I have not been provided with any adequate documentation since these accounts have been closed I am completely in the dark other than me, the exact nature of them being closed and why they were closed no documentation whatsoever other than me suffering from this.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-22
Company: EQUIFAX, INC.
State: CA
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:
This is my NUMEROUS 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 items 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-20
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:
XXXX accordance with the Fair Credit Reporting act XXXX XXXX XXXX account # XXXX XXXXXXXX XXXX XXXX XXXX account # XXXX XXXXXXXX XXXX XXXX XXXX  account # XXXX XXXXXXXX XXXX XXXX XXXXXXXX account # XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A. It also states a consumer reporting agency can not furnish a account without my 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 explanation
Consumer complaint received 2022-12-28
Company: TRUIST FINANCIAL CORPORATION
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
Dear Sir/Madam : Thank you for your time. I have a small business checking account with Truist, and I always check my account before I use my debit card to conduct business. But recently I discovered that the bank was withholding purchases and placing them in pending status sometimes as long as weeks. Finally, when all the transaction are drop in the account it causes overdraft resulting in fees. I contacted the bank to resolve this issue, I was told by the young lady that it was the bank discretion on how long the items remain in pending status. The reason I used the debit card to make purchases. I have direct deposit from my social security, I am senior citizen on XXXX with a fixed income, and if nothing is done, I will not be able to make my rent payment on the XXXX of XX/XX/2023. This will be creating undue hardship. I need some kind of help, thank you, and XXXX bless. 

XXXX XXXX XXXX, ( XXXX ) XXXX - cell

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 2023-07-14
Company: MOHELA
State: TX
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:
Hi, Before the COVID forbearance, I was making my student loan payment under the XXXX  ( Revised pay as you earn ) plan, with a total monthly payment of {$280.00} ( two loans ). Please see my attached payment tracker. 

As you know, the payment pause is coming to an end. However, my monthly payment has increased drastically to {$3400.00}, out of no reason. I have also attached the screenshot of my new payment amount for your reference. I did not do an income recertification and did not change plan during the COVID forbearance. Under the published Federal Student Aid policy, the payment amount will return to what it was before once the payment pause ends. 
Resource link : https : XXXX # payment-amount I have also attached a screenshot of such policy. 

I have contacted MOHELA numerous times and each time, the representatives acknowledged their mistake and said they would submit a request to get it fixed. However, every request had been denied by some unexplained reasons.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-25
Company: EQUIFAX, INC.
State: IL
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:
Attached are letters regarding inaccurate and unknown items on my credit report. Its been over 60 days and I still have not received notice or a response regarding this matter. There is no way that any of those items listed were considered verified or accurate ; when each item displayed inaccurate information across each bureau. I demand proof or immediate deletions after this complaint as for you are in several violation of the FCRA act. I feel like I am being taken advantage of and will seek legal counseling for punitive damages if this matter is not handled accordingly.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-29
Company: BSI Financial Holdings, Inc.
State: LA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
This company had my account listed as in bankruptcy. I have since been trying to get someone to speak to me after multiple unsuccessful attempts over a few weeks I finally got someone to speak to me in reference to my account,. I contacted my old bankruptcy attorney to get proof that I was not I bankruptcy and that my home wasn't included. This company has been reporting my account late to the bureaus even though it has been paid on time. I was told by a representative that they were adding bankruptcy charges to my account and she processed to to be removed immediately. I was also advised that my monthly payments have been sitting in an unapplied funds account and not being credited to my account. I was told that due to the overpayment for the erroneous bankruptcy overages and charges to mortgage that my payment due for XXXX was {$170.00}. As it stands my account is standing 28 days past due even though my mortgage was paid on XX/XX/2023. Everyone I speak to advises they can see the notes and that the credit is to be applied to my account but nothing has be done and everyone says it will be done that day and it has been over a period of 3 weeks at this point. I have emailed the cashiering department since every representative states the issue is with them and nothing has occurred. I have requested to speak to a supervisor on several instances and was always told none was available. No one is wanting to rectify this situation and I have seemed to exhaust every option. I have been having issues with this account since BSI Financial has taken over and reporting my account as late to the bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 account number XXXX, DPT ED/XXXX account number XXXX and DPT ED/XXXX XXXX, has violated my rights 15 U.S.C 1681 section 602 A. States I have the rights to privacy 15 U.S.C 1681 section 604 A section 2. States a consumer reporting agency Can not furnish a account without my written instruction

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 2022-12-28
Company: TIDEWATER FINANCE COMPANY, INC.
State: MD
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
TIDEWATER motor finance company said they were still working on my case but they repossed my car yesterday XX/XX/2022.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-21
Company: Real Time Group, Inc.
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage

Complaint:
CFPB Case # : XXXX As per you response of above inquiry, If the consumer wishes for RTR to send him copies of this correspondence, he should email RTR and provide his consent to receive these documents electronically via email. 

At this time I will like to provide my consent to receive copies of all the notices and statements you have mail to me since XXXX XXXX  till now via email address XXXX. Due to the size of attachment restrictions by the email provider, it is OK to send multiple emails. 

If this can not be done by email I will reserve my right to and ask that you provide copies of above by mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-08
Company: EQUIFAX, 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:
XXXX  XXXX XXXX ftc XXXX XXXX adjust ftc violation XXXX XXXX automated col civil violation, fcra and ftc XXXX XXXX XXXX FTC all US DEPT OF ED/XXXX ( FTC ) all of them were filed XXXX XXXX XXXX  ( come on look at the CFPB ) being sued XXXX XXXX XXXX ( filed NCUA ) XXXX XXXX XXXX  ( scam ) XXXX XXXX FTC XXXX XXXX XXXX FTC

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-05
Company: Chime Financial Inc
State: IA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
On XX/XX/2022, I noticed a transaction in the amount of {$340.00} as an ATM withdrawal. The transaction happened at XXXX XXXX. and I called chime at XXXX XXXX. to inform them that I did not make this purchase more authorized this purchase. I also inform them at that time that I had my card in my possession so I was unsure how this was even happening. They informed me that it would have to be solved with their dispute team. The dispute team told me that I would have to provide information showing I did not make this transaction. At that time I went to the location that the transaction was made with a police officer and requested video tape as well as made a police report. Within one month from the date of this happening, they had closed the dispute saying that it was unfounded. At that time I reached out to detective XXXX XXXX who informed me, three other people in my local area had the same thing happened to them on that same day. XXXX  submitted documentation to me which I will submit the below that I sent to chime. They told me I had to wait anywhere from 10 to 90 days to receive a refund. Today is the 90th day which was the resolution date and I've yet to hear anything back pertaining to me getting my money back. XXXX XXXX gave me this information and told me that I should reach out if they do not give me my money back in a timely fashion. I have given them the requested amount of time and now I am getting frustrated and upset because I should have been reimbursed the same day. Had I dealt with a actual bank instead of this hole in the wall company, I would have my money back by now. Lesson learned but I still want my cash. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-13
Company: ENOVA INTERNATIONAL, INC.
State: LA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
NETCREDIT has refused to acknowledge my reported financial hardship since the onset of XXXX and the death of my child in XX/XX/2021, for whom I got the loan for. I reported this information to this company and they have refused to work with me or close the account. They have overcharged me extremely and fraudulently. XXXX has repeatedly reported a late payment to the credit bureaus, which has greatly affected my credit score. The fraudulent amount they say I owe is far beyond the credit limit. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-28
Company: Experian Information Solutions Inc.
State: MA
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:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-16
Company: Chrysalis Holdings LLC
State: AR
Product: Mortgage
Sub-product: VA mortgage
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
On XX/XX/XXXX, I contacted NewDay USA to ask questions about a mortgage refinance. While discussing with the representative XXXX XXXX, he asked if he had permission to run my credit. I told him no, that at this point I was not ready to go forward with the application. We continued the conversation briefly and then the call was terminated. After roughly one minute of the call ending, I received notification from XXXX that a hard inquiry had been done by the mortgage broker for NewDay USA. I called back and spoke to XXXX again and he said that he did run my credit without permission and I would need to dispute it, or asked if I would like to hear the rates I qualified for. After speaking with XXXX, I asked for a supervisor at which point I was forwarded to XXXX XXXX. XXXX agreed that what was done was a clear and direct violation of the Fair Credit Reporting Act yet had no remedy for the impact on my credit. XXXX also explained that since people do not usually say no to having their credit ran, a lot of times the representatives just click yes and proceed ahead with the application prior to having the approval. These are serious implications if a lender that has designated themselves to be a trusted lender for veterans is actually violating the FCRA consistently. Both XXXX and XXXX tried to inform me of the rates I had qualified for with the illegal credit check instead of offering solutions to the inquiry that XXXX had done without authorization.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-27
Company: EQUIFAX, INC.
State: MA
Product: Credit reporting 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:
Please verify these accounts and inquiries, as they are incorrectly placed Accounts incorrect : Account Number XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX XXXX XXXX XXXX Account Number XXXX Date Opened XX/XX/XXXX XXXX XXXXXXXX Account Number XXXX Date Opened XX/XX/XXXX XXXX XXXXXXXX Account Number XXXX Date Opened XX/XX/XXXX Inquiries incorrect : XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-13
Company: Block, Inc.
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
XXXX here is the first CFPB COMPLAINT Please assess a CIVIL PENALTY FINE against cashapp. 

They denied my dispute on false grounds. They illegally continue to hold on to my funds. What a bunch of conniving XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT # XXXX. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
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 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 2022-12-05
Company: The Law Offices of Mitchell D. Bluhm & Associates
State: LA
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:
This collection agency is violating my rights under the No Surprise Act of 2022. I have a medical bill that an out of network provider is charging without my prior authorization. I am requesting this item be removed from my credit report immediately as under the conditions of the FCRA I am allowed a fair and accurate credit report. Please see details below : Law Offices of MBA XXXX XXXX in the amount of {$59.00} Law Offices of MBA XX/XX/2022 in the amount of {$200.00} Law Offices of MBA XX/XX/2022 in the amount of {$2200.00}

Company response to consumer: Closed with non-monetary relief