BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-13
Company: EQUIFAX, INC.
State: SC
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:
My name is XXXX XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 a home equity line of credit at XXXX XXXX XXXX XXXX XXXX 

The account has been paid monthly by me for the past seven years timely paid. 

The XX/XX/2022, payment was made by me on XX/XX/2022. It was made by me as a direct online transfer from my XXXX checking account to my XXXX XXXX credit line account. By the express language of the online payment confirmation this payment was Immediate- effective immediately. I have attached a copy of both the Transfer History, Exhibit A, and the Transfer Detail Exhibit B, both for this payment, and both of which are XXXX generated, which show : Transfer History ( Exhibit A ) shows 1 ) Payment into my account credit line XXXX XXXX ) XX/XX/2022 Payment amount {$350.00} ( only {$330.00} was due ) 3 ) Payment Date XX/XX/2022 And Transfer Detail which has 1 ) The bank confirmation number for the transaction XXXX XXXX ) The transfer being from my XXXX Simple Checking XXXX to my credit line XXXX XXXX ) The Amount {$350.00} 4 ) the Type of Transfer-immediate and 5 ) the Transfer Date of the immediate transfer- XX/XX/2022 As the payment was due on XX/XX/2022, and as it was made, effective immediately, on XX/XX/2022, it was paid on the 29th day and thus was not more than 30 days past due. This should not have been reported to the credit bureaus by XXXX XXXX and when the credit bureaus received my dispute and reviewed it, all three of them should have removed this reporting error immediately.

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 2023-09-14
Company: EQUIFAX, INC.
State: MD
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 sent Equifax a letter from a company reporting on my credit report on XX/XX/23 and on XX/XX/23 they closed the investigation stating that it remains accurate and will stay on my credit report. These people are not investigating anything. They are using a computer and giving generic replies. They have not sent me any documentation stating their findings. Attached please find my letter of proof which they requested. I ask for this to be deleted off of my report IMMEDIATELY!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-13
Company: AMERICAN EXPRESS COMPANY
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:
I have a loan with AMEX and XXXX XXXX XXXX. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, AMEX and XXXX XXXX  XXXX with no successful resolution. There was definitely an error on their part.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
I'm in the market tn buy a home, so i checked my credit report and notice some items that i do not recognize and did not approve. These items were not authorized by me and i need these items removed from my credit report asap. I have reached out to the city poilce and the FTC. 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, Bankruptcy chapter XXXX-discharged, Bankruptcy : Discharged XXXX, Chapter XXXX bankruptcy discharged.

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 2020-08-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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 are not my accounts. Please remove them!

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 2021-04-01
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
There are unknown hard inquiries in my Experian credit report. I wroteXX/XX/XXXXto remove these inquiries from my report. They replied that they could not even find them. I am sure they do not belong to me, as no evidence has been sent to me.

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 2023-05-25
Company: Chime Financial Inc
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I used electronic checks to send money to IRS and XXXX XXXX XXXX XXXX on XX/XX/XXXX. They never received checks and my account was debited for {$2100.00} total. I have asked Chime via message, email, and phone for canceled checks beginning XX/XX/XXXX and they have not provided the checks nor credited my account. 

I need proof of receipt for the following recipients : IRS and XXXX XXXX XXXX XXXX 
See below : IRS {$1600.00} - dated ( XX/XX/XXXX ) XXXX XXXX XXXX XXXX- {$480.00} dated ( XX/XX/XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-13
Company: Experian Information Solutions Inc.
State: NV
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 are not my accounts. Please remove them!

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 2022-04-02
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble closing card

Complaint:
I had a secure credit card with 5/3 bank. I closed it because they wouldn't raise the amount after using it without any problem with card. I call my personal bank in XXXXXXXX XXXX told him i want to close it and why. He closes the account but didn't leave any money on the secure card. A charge came in after for approx. {$50.00}, there was money in my checking, instead they start running up overdraft fee. I final saw a note on online banking about this. XXXX talk to branch MGR and district MGR about waving fees that they cause, They remove about {$200.00} but not all of them. Even though they admit to mistake. 
Its still on my credit report to.I have several call into District Mgr XXXX XXXX. 
he said he would check into it, but has not because I ask XXXX again. 
They are at fault, with this situation. 
They need to remove this from my Credit report and wave all fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-08
Company: Experian Information Solutions Inc.
State: LA
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:
XXXXXXXX XXXX Launch Servicing Incorrectly reporting to my credit accounts My identity was stolen in 2020. I filed a report with the police in XXXX XXXX, GA.

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 2022-06-20
Company: ACIMA CREDIT, LLC
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/XXXX with Acima I wanted to close out my account with the total of {$280.00}. The payment was made after the weekend because they were closed on the due date. The Representative kept telling me I could not close out the account and they give you just one day to make the payment which the customers would not know. I asked constantly if I could close the account out and he said no. I would have to continue to pay every 2 weeks. As of today I received at text saying my account was passed due it has been 3 months. I now have a total of {$250.00} due without any notice and I thought my account was closed. The company argues back and forth with you and lie and say they are the supervisor until you say that you need to make a complaint. I should not feel like I am about to have an anxiety attack when speaking with a creditor. I am a student and and I tried to do the right thing and pay off my account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Urgent Complaint Regarding Failure to Update Account Status - Loan Paid in Full I am writing to file a formal complaint against BANK OF AMERICA CORP ( BOA ) concerning the mishandling of my account status. Despite having paid off my loan in full and receiving the XXXX copy A, BOA has failed to update my account to reflect the paid-in-full status. I called them on XX/XX/23, regarding this matter but they said they didnt know what I was talking about and never took care of the situation This oversight not only affects my credit report accuracy but also raises concerns about the bank 's adherence to proper financial reporting standards. I have made multiple attempts to rectify this issue by contacting BOA directly, but the situation remains unresolved. 

I kindly request the CFPB 's intervention to investigate this matter and ensure that BOA promptly updates my account status to " Paid in Full. '' Additionally, I would appreciate guidance on any further steps I should take to address the consequences of this reporting discrepancy on my credit profile. 

Thank you for your prompt attention to this matter, and I trust that the CFPB will work to ensure fair and accurate financial reporting practices.

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 2023-06-03
Company: Experian Information Solutions Inc.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
See attached documents detailing a reinsertion of previously deleted items which is a BLATANT violation of my consumer rights. This item was originally reported and was removed due to inaccurate reporting. This same item has now been reinserted onto my credit profile by XXXX XXXX XXXX 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( B ) Requirements relating to reinsertion of previously deleted material ( i ) Certification of accuracy of information If any information is deleted from a consumer file pursuant to subparagraph ( A ), the information may not be reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies that the information is complete and accurate. ( ii ) Notice to consumer If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. This also violates my consumer rights under 15 U.S. Code 1692j - Furnishing certain deceptive forms I am not participating in the collection of this alleged debt. The inaccurately reported information is causing significant harm to my credit standing and financial well-being. Ive studied constitutional consumer protection laws extensively along with cIvil/federal court proceedings such that of Dixon-Rollins v. Experian Information Solutions

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 2020-11-10
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
In XX/XX/2020, I became a Covid-19 affected employee. I missed a payment on my XX/XX/XXXX account in XXXX 2020. I requested that XXXX XXXX  forgive my past due payment, due to my spotless 3 year payment history, and they sent me a letter stating they would remove my XX/XX/2020 late payment. I have attempted 4x to get the credit bureaus to update my account based upon the creditor 's correspondence, but they continue to fail to update and now refuse to allow me to further dispute this item to get it reporting accurately. I am trying to apply for a mortgage but I am receiving decline notices due to this very recent blip on my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-08
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
Wire Transfer number is XXXX First of all, XXXX is the one individual that has given me any sort of answer so she has been doing a great job. I sent a international wire to XXXX XXXX ( Wife ) in XXXX for XXXX Euros. It was sent out on XX/XX/2021 but the individual did not do it right because it was never sent. Then Sent a new wire on XX/XX/2021. On XX/XX/2021 I found out that XXXX stopped the wire and had some questions for me. Answered the first 4 questions that day and on XX/XX/2021 I answered two more. Now it is XX/XX/2021 and according to my bank my funds were released but still have not moved. I need this money to purchase a car which I need for work so I can feed my family. No one gives me a clear answer besides XXXX and we are approaching a month for this transfer and I am at the mercy of someone pressing a button to allow my funds to go through. 

My legal name is XXXX XXXX XXXX. I was born in XXXX California and served in the XXXX XXXX for 6 years. I have no affiliation with the XXXX that I had a partial match on the XXXX list. I just want my money so I can function in a country I just moved too. Please I need assistance to get this resolved

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-02
Company: TD BANK US HOLDING COMPANY
State: IL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
On XX/XX/2022 i filed for Bankruptcy. 1 month Prior to filing, i completely paid off Target. I had a XXXX balance as of XX/XX/2022. I asked Target to please close my account. For whatever reason they never closed it! Target was not on the petition of the bankruptcy because it was no longer a debt. It was completely paid off 1 month prior of filing. This was before i was completely sure if i was going to file. Even my attorney told me it was not required on paid off accounts especially those that were paid off a month before filing. After i filed bankruptcy, Target took it upon themselves to report this account including in bankruptcy when it was clearly not part of the bankruptcy petition. It should of stated closed by consumer. They took a 2 year positive exceptional payment history, and turned it upside down into a negative status when there was no money owed! You are only required to include DEBTS THAT ARE OWED in a bankruptcy petition, not every account that are reporting. Paid off accounts are excluded from a bankruptcy. THEY ARE NOT DEBTS!!! Especially since the account was completely paid off prior before filing the bankruptcy petition. TargeXXXX was suppose to close the account back on XX/XX/2022, but did not! They took a positive exceptional account, and turned it upside down! Why??? This is Illegal and is a violation. Who are they to change the laws? I was a good paying customer, and they made it look like the entire account was charged off in the bankruptcy. Why would i pay you then? They are reporting incorrect information on the credit report. When someone pays off a debt, they have to get credit for paying it on time. It was paid early. They are reporting it like i was delinquent when i wasn't! You can not report incorrect information on a credit report! People sue millions of dollars every year for careless acts like this! I want to file a complaint against Target for damaging my tradeline with incorrect information reporting. They refused to remove it when i called. They have no clue what they are doing. They are hurting my credit report when they did this! Every account matters even in a bankruptcy. This is the one account i wanted to walk away in good standing. They are making me look bad! If i ever want to get another account with them, They will see i filed bankruptcy on them and burned them, when i didn't! Is this right or fair to me??? Its basically telling the credit reports that i did something wrong, when i didn't. I was in good standing with them, not the other way around!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-24
Company: Innovative Funding Services, L.L.C.
State: NY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Confusing or misleading advertising or marketing

Complaint:
I received an offer through XXXX XXXX for an auto loan by Tresl. According to the site, I have an outstanding chance of approval for a refinance of $ XXXX at 5.42 % interest over an 84 month term. Upon applying for the loan, the lender did a hard inquiry on my credit and told me the numbers that were advertised were way off. The new monthly payment would be $ XXXX and interest would instead be near 8 % over an 84 month term. This was false advertising that cost me time and a penalty to my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-08
Company: Experian Information Solutions Inc.
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:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me with a copy of verifiable proof, you must remove the accounts listed below.

I demand the following accounts be verified or removed immediately. 
-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