BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
My name is 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.

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 2021-01-04
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: Information belongs to someone else

Complaint:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$2900.00}, {$6700.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXXand the subsequent response received on XX/XX/XXXX enclosed with this letter.

In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNT 1. XXXX XXXX with ACCT # XXXX opened on XXXX XXXX, XXXX with a balance of {$0.00} -This is not my account. 

-- COLLECTION ACCOUNTS 2. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2900.00} -This is not my account. 

3. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$6700.00} -This is not my account.

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 2019-09-23
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
On numerous occasions I have sent my social security card and drivers license to all three CRA 's and old address still re-appear. I have informed them to please remove all other addresses off my report, as they are not deliverable to me by the U.S. post office, and they are not reportable as per the FCRA, since they are inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-10
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: Investigation took more than 30 days

Complaint:
On ( XX/XX/2022 ) I sent a letter regarding inaccurate accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2021-10-07
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: Was not notified of investigation status or results

Complaint:
This is crazy! The amount of incorrect information thats being reported on my credit report is ridiculous. These credit bureau should be ashamed of themselves and its not fair that they get to report what they feel like reporting and its hurting my personal life. I wrote a dispute letter XX/XX/2021 and sent it certified so I can make sure they get my letter. Im going to attach all my letters I sent out, return receipts that I got and proof of my Identity. I want this issue resolved immediately. Please help me take care of this matter CFPB. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-17
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I have been trying to update my phone number on my file and this system is not allowing me to update my phone number my phone number is XXXX it is no longer XXXX Please assist me in correcting this matter the problem is not so much getting the credit score as it is getting a fair credit score it took about four months to get the credit bureau to update my credit file properly when they updated my credit file they removed almost all of the negative reporting information on my file which now shows a lot of positive credit information where's I only have 4 negative reported items on my file I have about 9 positive items maybe even 11 positive items on my credit file but they are giving they have reduced my score instead of increased it so when I asked them why they reduced my credit score the only thing they could tell me is that they use a FICO 8 model to calculate my score when I said to them that this seems to be unfair that even though I have so much good credit history and activity why my score went down my score never went above XXXX even though from XXXX XXXX I paid all of my debt and I have been keeping my credit payment history in good standings with the only credit that I have two of the four credit report reports from two lenders are not quite accurate but they are actual reports on my file two are still in dispute which I am apparently going to have to take those companies to court nonetheless the credit score has only gone down from XXXX to XXXX after removing all of the negative stuff from my file and reporting it properly then instead of my score going up it remained low it only went up XXXX points whereas when they dropped it they dropped it as I said from XXXX XXXX to XXXX which is approximately XXXX points why it dropped so much but it only increased so little I am bothered with and it is costing me the ability to get credit from creditors When I asked to speak to the department that programs this FICO eight 's credit score model in order to find out why they have reduced my score so much and have increases so little all they kept telling me is that my score is calculated by the FICO 8 model which they still could not explain to me or would not explain to me what this FICO 8 model is I am very angry because I feel that this is discriminatory practice I know of people who I've spoken with one specifically came out of XXXX with a very negative credit report and within six months his credit score was increased and he was able to get a car loan and not to sound discriminatory but this person was a XXXX person a young XXXX guy that I know

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 2023-04-24
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong 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 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 2019-09-22
Company: PMAB,LLC
State: SC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-15
Company: Velocity Portfolio Group
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
My XXXX XXXX  credit card was charged off and sold to CKS Financial in XX/XX/XXXX. On XX/XX/XXXX I called CKS Financial to see if they offered a settlement to pay the account. At the time, the account was not reporting to the credit reporting agencies. Before I made a payment, I asked the customer service rep if it will report to the credit reporting agencies in the future and she replied no since it was not already reporting. I asked agent if she could send me a letter stating that. I was told after I make the payment, I would receive a letter via email stating it would not report to the credit bureaus upon settlement. On XX/XX/XXXX, I received a document to my email from CKS financial administrator, but it was not a statement saying it would not report to the credit bureaus, instead it looked to be a confirmation of my agreement to debit my checking account and showed my payment amount of {$450.00} and balance {$0.00}. I also received a letter via mail that showed my settlement amount and stated my account was " closed ''. 

6 months later I received a credit monitoring alert I had a " new collection '' on my XXXX credit report. CKS Financial had inserted the settled account on my credit report under the name CKS Prime Investments , LLC and listed the account type as " open account '' and listed the closed date as XX/XX/XXXX. I called CKS in XX/XX/XXXX and spoke to a manager. I disputed the Account being " open '' and the date they were reporting the account closed. The manger told me if I would pay the " difference '' between the charged off amount of {$720.00} and the amount I settled, {$450.00}, She would remove the account from my XXXX report. I declined the offer. CKS never put a dispute remark on my credit report as required by the FCRA. 

When I applied for credit recently, I was denied based on an " open collection '' on my XXXX report. CKS Prime Investments , LLC is the only collection on my credit report, and it says it was updated in XX/XX/XXXX and still says its " open '' with a close date of XX/XX/XXXX. 

This inaccurate reporting and failure to let creditors know I disputed this information has cause me financial harm by preventing me for applying for credit.

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 2023-02-14
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:
I sent a letter last month to the credit reporting agencies regarding an account on my credit report. They are reporting that I was late, but I was never late. I have asked for validation and was never sent any historical data. I am asking for XXXX, XXXX, and Transunion to fix this inaccurate information they are reporting to the credit reporting agencies. Their error is causing me extreme distress. The data furnished is different between all 3 bureaus and this is a violation of the FCRA because all data furnished should be the same. They are reporting that I was 120 days late in XXXX while the other is reporting XXXX. How is this accurate? You are also reporting 120 days, but nowhere in the payment history is it recorded that I was late 30 days which is the first violation. If I was late, you think a company will skip over 30, 60, 90 days and just report 120 days? I am liable for compensation for false reporting, but at this time I am only asking for the late payment to be rescinded. I do expect a response within 15 days since it has been well over 30 days since my letter to this company. Please see the inconsistent credit report. I will attach my credit report to show the inconsistency.

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 2021-01-02
Company: Chime Financial Inc
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
lease help me and possibly XXXXXX/XX/XXXX of others whose accounts have been closed randomly and all the money taken from them. We are in the middle of the worst crisis and now they took my money. I do not have enough to feed my family or put gas in my car to get to work. 

After they closed my account I did some research and they are doing this to thousands of people. I spoke with two supervisors and they actually went through my entire account and could not understand why I was close. 

My issue is probably small to some I had {$720.00} in the account but I really needed that. 

Please contact me. 

I have all the documentation you need to prove Chime commited fraud. I am going to call and email once a day until this is resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my 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 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. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-03
Company: WELLS FARGO & COMPANY
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other service problem

Complaint:
I had a cashiers check where I paid Wells Fargo XXXX and a XXXX dollar fee for a certified check written to me to be guaranteed funds were available for me to pay for my car. I deposited this into my Wells Fargo checking to pay for my car and they would not make the funds available immediately as they should have been they already have my money! I am now stuck outside an hour away from home in the rain unable to pick up my car or go back home as I was dropped off. I called XXXX and they said I just have to wait for the check to clear this is wrong!!!! They have my money!!! I want the fees for the check back and damages for being stranded in the rain but XXXX doesnt care! Wont do anything to help me even when I got a supervisor on the phone was told I have to just be stranded and wait!!!

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 2023-02-11
Company: MOHELA
State: TN
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:
My student loan has been sold from XXXX to Mohela an I have never received a message from Mohela regarding them having my student loans. The Student loan balance reporting on my consumer report is higher with Mohela than it was with XXXX. i am struggling and due to this high student loan on my consumer report it causes me so much pain an stress. I try apply for a home loans and I did not qualify because of the debt to ratio to high causing by the Mohela/XXXX XXXX  XXXX XXXX XXXX reporting on my consumer report. At this point I can not effort to make any payment nor qualify for a place to stay since lender has to check the consumer report. Even though the account is still showing good standing on my consumer report, it still effecting my and my family very bad and due to this recession things are getting harder for me and my family. I would like for these student loans to be update to zero balance on my consumer report so I can get qualify for a place to stay with my family.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-03
Company: Chime Financial Inc
State: CO
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
On XXXX XXXX, 2022, I had listed an item for sale on XXXX XXXX. I was messaged from an " interested '' party, so we went ahead with the sale. I was told she sent the {$65.00} I was asking for to my Chime acct. Said person messaged stating to make this money transfer go thru, she needed to send {$400.00} if I would send it back immediately it would activate the sale. I've done similar things to activate sales from certain places, so I went ahead with it. I also received an email that looked extremely legit, about the transaction. I was then told I needed to send another {$800.00} over to a man named XXXX XXXX, for " tax and vat. '' After sending the money, I received another email stating I needed to send another {$1000.00}, to lift the hold on my acct. The verbiage used in these later emails was off and I realized I had just been scammed. I have screenshots of the emails from fake Chime to attach to this complaint. Chime told me twice they aren't going to help me recover my money

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-03
Company: OPTUM BANK, INC.
State: TX
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I had XXXX XXXX  account with Optum Financials. For more than XXXX XXXX XXXX  or even longer time, evey time when I tried logged into my account, there was problem with my login. Either I have to reset my password, or I have to call them to reset my account. It has been wasted me so much time to call them again and again. If they can not do the job, then close their business, and let other banks that can do it to take care of it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is the several times I've complained about being a victim of identity theft. You must remove/block any items that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-28
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: Credit inquiries on your report that you don't recognize

Complaint:
5inquiries These lenders have accessed your credit file : XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXXXXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXXXXXX XXXX  Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX, XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX  Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX A victim of fraud I have filed three police report within the last four years. Please remove this inquires.

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