BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-21
Company: Chime Financial Inc
State: IL
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:
I was going into a dollar general and found a debit card, so went to turn it in at same time I was gon na load {$220.00} onto my chime card, I accidently loaded the money onto the females card I found instead of mine. Chime says account is closed, therefore they can't so anything. That it will go back to dollar general.. dollar general said there's nothing they can do.. that's all kiney I have and I did it on accident.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-18
Company: Paypal Holdings, Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
Venmo froze my account and refuses to let me withdraw any of my money from the balance or debit card. They claim it was triggered by suspicious activity and violation of user agreement The only thing I did was try to buy cryptocurrency through the venmo app ( a service they OFFER ) and they declined it and completely locked me out of my account. I keep calling and messaging and nobody will reach out to me or give me an answer on how to fix it. I have over {$800.00} just sitting in my account with no way to get it out.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-28
Company: PENNYMAC LOAN SERVICES, LLC.
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:
XXXX XXXX XXXX ( PENNYMAC LOAN SERVICES ) claimed I did not make my mortgage payment in XXXX, 2017. 
- I made one payment on XX/XX/2017 to XXXX XXXXXXXX XXXX XXXX XXXX ( the original lender ) ; - I made a second payment on XX/XX/2017 to PennyMac ; - I made a third payment on XX/XX/2017 to PennyMac. 

PennyMac reported my account as late for XX/XX/2017 which is inaccurate. I have reached out to PennyMac and the credit agencies several times to get this removed. However, it remains reported late.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-25
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 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card 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 2021-06-14
Company: Experian Information Solutions Inc.
State: UT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I received a notice a couple of years ago that my data was breached and I can file a claim for a class-action lawsuit against Experian. 

I filed a claim and it appears the case is settled but I did not receive any money from Experian

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 2019-07-08
Company: LEXISNEXIS
State: GA
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:
My identity had been stolen in pass data breaches, I have account in my file that do not belong to me. Please removed this items from my report, I have follow the steps and filed an FTC complaint that is attach to this report as well as my ID, SS and proof of address. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-08
Company: SYNCHRONY FINANCIAL
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
Unfortunately, I had an account with Care Credit that went into default back in 2014 ; due to a financial hardship. Recently, having recovered from the hardship, I went back to Care Credit to try to resolve the debt. They told me that they would NOT accept payment from me to resolve my debt. Even when I indicated to them that I understood that the account had been charged-off, I still wanted to pay it, so the account would report as paid on my credit report. They still refused to accept my payment. It is illegal for his company to refuse to accept my payment, while simultaneously reporting an unpaid debt on my credit file. They are holding my credit report hostage.

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 2023-11-07
Company: CHOICE CAPITAL FUND
State: FL
Product: Debt collection
Sub-product: Payday loan debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I reached out this morning via email to have my ACH revoked. I explained that I was going through a hardship.I asked if they accept debit card. I explained that I am waiting for a new debit card because my debit card I had was compromised. I get a call at around XXXX I called back and I spoke to a woman and she said that my ACH was revoked and now my account is in default and I need to set up a payment and I can no longer borrow again. I explained that I sent an email explaining that as soon as I get my debit card I will call to set up payment arrangements. She wasnt trying to hear it the lady said you will receive XXXX calls a day. I am on a fixed income and Im barely making it. I do not need this harassment with the phone calls and emails. I would like communications to cease and desist until I am able to get back on my feet to make more money. 

I got a call at around XXXX from ( XXXX ) XXXX when I called back it rang and it said XXXX XXXX is not available please leave a message. I hung up because I have no idea who this is and when I looked up the number it was from the loan smith. The account isnt past due yet and they are beginning to harass me. I have dealt with a lot it is taking a toll on my health mentally and physically.

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 2023-02-07
Company: EQUIFAX, 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:
We have an issue with the mortgage attached for the loan under XXXX for over a XXXX dollars. The property was purchased in the business name as we do with all our properties since we have been in business and XXXX XXXX stands as guaranto. We have almost XXXX properties like this. XXXX stands as guarantor so it is therefore not reported on his credit. We refinanced this in XX/XX/2021 and it was just that. Now comes XXXX we are realizing they started reporting it on XXXX 's personal Credit, so that's a XXXX dollar loan with a {$7000.00} plus mortgage weighing his credit down which will obviously affect his XXXX and affect him getting other loans and has affected him getting several loans We have tried tirelessly to get it corrected with the mortgage company and The mortgage company is telling us that the investor has chosen to now report on both business and personal credit and only the investor can change that. I need to get it changed back to my original agreement of being reported on my business credit and not personal. I have almost XXXX properties and they are in the company 's name. He is the guarantor and they are not being reported on my credit report which is the whole reason for being in the company name. 

He is locked into a XXXX  year prepay and now he's also being screwed over as well by getting it placed on his personal credit. 

XXXX is not the borrower, the borrower is XXXX XXXX XXXX XXXX XXXX. XXXX is only guaranteeing the loan. That is not what we agreed to. We would never do business with anyone putting our business loans on our credit report. It is a breach of our agreement. It is a business loan. We need this to be removed from his personal credit. 

We have the original paperwork signed and attached. We also have other loans with the same lender purchased the same way which are not on our personal credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-30
Company: EQUIFAX, INC.
State: AL
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:
Equifax, XXXX, and XXXX is showing information that doesn't belong to me. I have tried to have the items removed and have sent several letters to them to have the items removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-29
Company: MOHELA
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
After XXXX failed attempts to rectify my issues with Mohela, I am completely frustrated. My consolidation was sent on XX/XX/XXXX. I recieved information that it would've processed timely. Yet they processed it in XXXX as well as my payments are sitting in XXXX. No updates have been given after calls by myself to check status but the same rhetorical statements. 
Due to the due date of the waiver, this has placed me in a horrible situation that I would like to be rectified. Mohela calls range from ( XXXXXXXX XXXX hold times ) with no resolution.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-28
Company: GUARANTEED RATE INC.
State: CA
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
My husband is a XXXX XXXX XXXX XXXX  and we decided to refi our home from a conventional loan to a VA loan and take advantage of the low interest rates. We decided to go with Guaranteed Rate due to the LO. XXXX XXXX was exceptional! I noticed in XXXX when they paid the first County Tax installment that the taxes for impounds were not set up correctly. I called on XXXX and advised that XXXX things needed to be fixed. 1. I asked to have the annually tax amount updated to the correct amounts {$2600.00}. That the tax amounts they set the tax impounds up on were incorrect. They set the impound account up with {$4100.00} a year and the actually yearly impounds are {$2600.00}. 2. I asked for the overage in the impound account be refunded. 3. I asked that the monthly PITI payment be corrected as it should be reduced due to the taxes being less. In XXXX I received a refund check for {$750.00} for the overage for the taxes. As I stated my husband is XXXX XXXX XXXX XXXX and he was having some health issues so I dod not follow up again about not correcting the other 2 items. I saw in XXXX that they paid the next installment of taxes due and that they paid the correct amount of {$1300.00} but they still had not corrected the impound overage due to me of apron {$1500.00} nor had they adjusted the PITI payment or updated the actual tax amount. I called back in around XXXX and requested the three times be corrected. 1. I asked to have the annually tax amount updated to the correct amounts {$2600.00}. That the tax amounts they set the tax impounds up on were incorrect. They set the impound account up with {$4100.00} a year and the actually yearly impounds are {$2600.00}. 2. I asked for the overage in the impound account be refunded. 3. I asked that the monthly PITI payment be corrected as it should be reduced due to the taxes being less.I was told it would take up to 10 business days. I called in around XXXX and was given the run around. I advised I would be filling a CFPB Complain and put on along hold when the representative came back she advised me it would be XXXX business days. I logged back into my account after XXXX business days and can see that have changed the taxes to reflect the correct installment amounts but my escrow balance is still showing the overage and my PITI payment has not been lowered. I have been trying since XXXX to get this relieved its clear I can't do it on my own.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-05
Company: EQUIFAX, INC.
State: MO
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 contacted Credit Bureaus on numerous occasions to have these inaccurate information that's hurting my score, however they are refusing to remove the information stating that items come back validated even though the information is incorrect. 

PLEASE CHECK ATTACHED LETTERS.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Hi my name is XXXX XXXX and I am contacting you because all 3 credit bureaus are still sending my personal information to the wrong address as well as false reporting balances on my credit cards that I have already paid off but the credit bureaus are reporting that I owe high balances which is not true. I have been having issues with these 3 credit bureaus for yrs now and I would appreciate it if they were made to correct the mistakes I keep making them aware of. Let me first start by saying my correct mailing address is XXXX XXXX XXXX XXXX ny XXXX and this is the only place any response should be sent. Secondly my only phone number that should be on my credit report is XXXX any number besides this number is fraud. Thirdly the balances on my XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX card need to be updated with correct balances because the credit bureaus are reporting balances that are incorrect. Also there is several addresses on my transunion report that are fraudulent and do not belong to me and I would like removed. The only two address that should be on my report is my former address which is XXXX XXXX XXXX and my current address which is XXXX XXXX XXXX XXXX ny XXXX. Also my XXXX report is not showing my employer which should be on my report which is 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 2023-09-11
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:
XX/XX/XXXX  RE : Social Security Number : XXXX To Whom It May Concern : I XXXX XXXX XXXX, A real human being in the flesh mind body and soul writing you to update my personal information. 
15 USC 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 

I demand a deletion of all personal identifiable information from my consumer credit report with the exception of : 1. My Full Legal Name : XXXX XXXX XXXX 2. My Address : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ga XXXX Please delete all other addresses, I can not receive mail or any correspondence nor do I have access to any of these addresses please delete these outdated addresses and update the address with the one above. 
My only Phone number is XXXX Delete any and all other phone numbers. 
I demand my social security number and date of birth be removed from being displayed on the credit file for privacy reasons. 
Delete all information in the employer section. 
Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ), I am a federally protected consumer and I have a right to privacy. Not granting me my rights is in direct violation of 15 USC 1681 and all its subsections. 
Page 26 | 43 Please send an updated credit report once the changes are complete to my contact information listed. 
My contact information is as follows : Name : XXXX XXXX XXXX SSN : XXXX Address : XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, Ga XXXX Sincerely, XXXX XXXX XXXX Enclosed : copy of State ID and Utility bill showing proof of address SEE ATTACHMENTS!

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 2023-02-21
Company: CITIBANK, N.A.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
On XX/XX/2023 I received an email that my Citi credit card was closed due to inactivity. This came as a shock to me because I had received no advance Notice that such closure was being considered. I was planning to use this card tomorrow to engage in a citi member presale for a concert tickets. I now have no ability to participate, my credit card is closed, I have no idea how this will impact my XXXX XXXX, and I have no way of reopening it in time to participate in the pre-sale. Ive included a screenshot of the statements section of my account, I received all of my statements electronically, and they should appear on the statements site. As you can see, there are no notices that indicate my account was going to be closed other than the day it was closed. I called citi bank and they apologized and said there was nothing they could do, they dont know why that happened, and advise that I would need to open up a new account. This is simply unfair, unjust, and deceptive to consumers.

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 2023-04-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 to the Fair Credit Reporting Act. 

This creditor have violated my rights. 

UNDER 15 USC 1681 section 602 states i have the right to privacy.

UNDER 15 USC 1681 SECTION 604A section 2 States A consumer reporting agency can not furnish an account without my written instructions.

UNDER 15 USC 1666 B States A creditor may not treat a payment on a credit card account under an open and 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 explanation
Consumer complaint received 2018-12-20
Company: Experian Information Solutions Inc.
State: WI
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:
I sent all three credit bureaus a certified letter, requesting an investigation/deletion of this hard inquiry from XXXX XXXX XX/XX/18. It has now been well over 90 days and still no response.This hard inquiry have caused great hardship, stress, and has caused my credit score to decrease drastically. The three bureaus have violated the FCRA, laws that protect all consumers. They are suppose to report accurate information and to respond to consumers within a timely manner.

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 2023-03-08
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
When I reinvestigated my updated credit report, I realized that the same accounts were erroneous. The 3 credit Bureaus are required to authenticate these accounts. It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Please investigate the unverifiable accounts listed below : XXXX XXXX Balance : {$25000.00} XXXX XXXX Balance : {$23000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-28
Company: EQUIFAX, INC.
State: PA
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:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-22
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
These accounts were found to be fraudulent so they were removed by Equifax. Can XXXX XXXX and XXXX please update there records as well and remove them ... Please remove the inquiries as well associated with it ... 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX

Company response to consumer: Closed with explanation