BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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 the accounts below has violated my federally protected consumer rights to privacy and confidentiality under law 1562 USC 1681. 

Account name : XXXX XXXX XXXX XXXX XXXX  - Account Number : XXXX Account Name : XXXX XXXX XXXX Account number : XXXX Account Name : XXXX XXXX XXXX Account number : XXXX Account Name : XXXX XXXX XXXX Account number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : DEPT OF ED/XXXX Account Name : XXXX Account Name : XXXX XXXX  Account Name : XXXX Account Name : DEPT OF ED/XXXX Account Name : XXXX 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. States : It also states a consumer reporting agency can not furnish a account with my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of information Any other than adverse item of information, other than records of convictions of crimes which antedates the report by more than 7 years.

15 U.S.C 1681s- ( A ) ( 1 ) A person may not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-09-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
In according with the fair Credit Reporting Act XXXX  Account # XXXX ( XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

15 U.S.C. 1681 section 602 A. States I have the right to privacy.

15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furbish an account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 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 2023-09-16
Company: EQUIFAX, INC.
State: CA
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:
Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. XXXX XXXX XXXX Balance : {$340.00} ; XXXX XXXX Balance : {$270.00} ; XXXX XXXX Balance : {$24000.00} ; XXXX XXXX XXXXXXXX Balance : {$240.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-22
Company: NAVY FEDERAL CREDIT UNION
State: LA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Navy federal credit union is showing a late payment in XXXX and i made 2 payments in XXXX, this is not accurate information

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-26
Company: CITIBANK, N.A.
State: NY
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I paid the balance of the card less credits expected from Citibank as a result of interest and fee reversals that were pending. I received a collection call 90 days after this payment stating that I had a balance of {$37.00}. Confused, I contacted Citi and reviewed my statement. I was told that I did not pay the the balance of the account in XXXX and therefore the {$9.00} remaining balance plus {$9.00} interest was outstanding and that resulted in a an {$18.00} late fee. My concern is that I paid the amount advised by the Citi bank representative to bring my account balance to XXXX. After speaking with a representative today I was told that the amount provided by the rep in XXXX is an estimate and may not include interest or fees. My concern is this miscalculation by the CitiBank Rep resulted in an additional {$9.00} in interest and nearly {$20.00} in fees. The erroneous charges as a result of their customers service representative miscalculation is very predatory. I attempted to escalate the matter and was told they can not reverse the fees.

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 2022-11-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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. 

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-08-26
Company: ENCORE CAPITAL GROUP INC.
State: AL
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:
Please see the attached letter sent to collection company. Company is in violation of my consumer rights and the laws according to 15 U.S. Code 1681

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-26
Company: FIRST PORTFOLIO SERVICING INC
State: IN
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened without my consent or knowledge

Complaint:
My soon to be ex-wife took out several credit cards and loans out in my name and left me with about {$30000.00} worth of debt that collection agencies are trying to get me to pay, and ruined my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-18
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 ( XXXX/XXXX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative 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 negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time 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 2023-10-26
Company: AMERICAN EXPRESS COMPANY
State: SC
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with balance transfer

Complaint:
AMEX put a debit on my personal AMEX card on XX/XX/XXXX for {$1000.00}. According to AMEX this was for a balance transfer of {$1000.00} to another of my AMEX accounts. This was totally incorrect. The credit balance was transferred to another of my accounts but it had nothing to do with this account. I had a negative balance on another account which was transferred properly ; however, it had NOTHING to do with this account. In addition, after my 5th phone call about this issue to AMEX, a supervisor ( who was supposed to be firing my problem ) actually put a 2nd debit on my card for $ XXXX on XX/XX/XXXX. Therefore, now AMEX owes my $ XXXX now instead of just $ XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-07-17
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Report provided to employer without your written authorization

Complaint:
I want to dispute these accounts because it was affecting my credit report, it was caused by Identity Theft. I did not make these charges. I am having problems with this unfair treatment. These accounts were taken care of with the original creditor and promised me to update it out of my report. Therefore, these accounts shouldn't be in my report. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-11
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
According to my consumer report I received dated XX/XX/XXXX and I have noticed various areas in the way you are furnishing my information. If you havent been made aware, there are various federal laws in place to protect me as a consumer and to construct this business transaction. As a gentle reminder you CAN NOT report/treat a payment on an open ended credit plan as late for any reason. If you need direct citation please refer to 15 USC 1666 ( B ). I also would like to bring forth another law pertinent to this letter ; 15 USC 1681 ( B ) where it states that I as a consumer would need to give you PERMISSION to furnish information on my behalf. To date, I have not granted you or XXXX such authority. 
Your apparent and constant neglect to properly carry out your job is costing me by ruining my consumer report. This letter is an attempt to remedy the following listings you have listed on my consumer report. As I have contacted XXXX, XXXX, Equifax and the corresponding information is not as listed on my consumer report. These accounts should PROMPTLY be updated as ON TIME : XXXX XXXX XXXXXXXX, XX/XX/XXXX of listed late payment XXXX. XXXX XXXX XXXX of XX/XX/XXXX, listed late payment Any information listed on my consumer report must be verified or immediately removed. I am due for a thorough and proper investigation. Please send me any information regarding my request and an updated consumer report showing that the above mentioned demands have been met. As a gentle reminder, this is my first and final attempt at peaceful civil mediation.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-17
Company: United Student Aid (USA) Funds
State: IN
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:
I filed a chapter XXXX bankruptcy repayment action and listed my federally guaranteed XXXX XXXX student loan ( opening balance of {$39000.00} in XX/XX/1993 ) as a debt. XXXX XXXX placed my loan in default and filed an inflated claim of {$59000.00} before assigning the claim to the federal guarantor ( US Student Aid Funds ). The plan was successfully completed, and I received my order of discharge at the end of the case. 

Over the course of the bankruptcy, I paid pursuant to the court-approved plan, and the trustee remitted to US Student Aid Funds on my behalf, more than {$37000.00}, almost payment in full of the original amount borrowed. The lender 's own records ( which were provided to me ) show that the money was received but was not credited to my principal balance.. Despite my efforts to have their records corrected to give me credit for the {$37000.00} in payments I made during the bankruptcy and in the years since, XXXX XXXX ( now XXXX ) /US Student Aid Funds insists that my unpaid principal balance is {$60000.00}. 

In XX/XX/XXXX of this year, XXXX XXXX declared my loan in default and referred it to a collections agency ( XXXX XXXX XXXX ), which has threatened to garnish my wages in the near future, causing me severe financial hardship, unless I pay the full amount they claim I now owe -- which is a whopping {$82000.00}, more than double the original loan amount. The only way they can claim that my balance is so high is by continuing to refuse to credit me with the {$37000.00} I paid through the bankruptcy and the thousands more I paid since that time. This is beyond negligence on XXXX XXXX 's part ; it appears to be an effort to defraud me into paying considerably more than it's entitled to collect.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-30
Company: Chime Financial Inc
State: IA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I used my Chime debit card on XXXX XXXX XXXX XXXX XXXX withdrawing {$500.00} at XXXX XXXX  on XXXX XXXX XXXX XXXX XXXX XXXX The transaction were cancel due to not wanting to pay for the ATM fees. No cash nor receipt dispense. Called XXXX XXXX right away, they restructed me to contact my bank for charge back/dispute if there is no auto reversal. Filed dispute with Chime on XX/XX/XXXX after funds was not credit back, received notice from Chime that my case were denied and close. I DID NOT RECEIVE ANY CASH, TRANSACTION WERE CANCEL. I need this to investigated by both financials institutions, {$500.00} is not loose change and I need my cash back.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-30
Company: Chime Financial Inc
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I lost my phone and card inside a XXXXXXXX XXXX! My card was used online & in multiple different other places. I contacted the banking company when after I was able to locate my personal things. Some of my cards were missing as well as my medical cards. They sent me out a new card and disputed the transactions but immediately denied my disputes although some of the transactions were not made by me. The disputing process takes up to 90 days the took one day to review closed the investigation. They did not try to refund my money. I let them know the dates I used my card and the dates I did not use my card which were the days the unauthorized transactions were made. My card was closed for fraudulent activity yet I couldnt receive a refund for the fraudulent activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-25
Company: SYNCHRONY FINANCIAL
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Approximately every 6 months, Synchrony allegedly checks credit, then lowers credit limits on cards. 
They'll approve a XXXX limit, then 6 months later cut it in half or more. 
This is done on accounts that : Have never been used. 
Have less than 30 % usage. 
Have not once been paid late. 

This practice causes the usage percentage to shoot up, the cards to be over limit ( triggering 'over limit ' charges ), and cards to be declined. 

The notifications that the limit is being lowered are not sent until after it's done.

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 2023-09-30
Company: Chime Financial Inc
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I made a deposit of a state check, I realized i needed access to the funds sooner than i thought I clled and askethem to please candeposit but since they had instructed me to write " deposit to Chime only '' on the back, i was not able tocash it anywhere i then called them and told them problem and since i had cancelled could i redeposit the check i was told " sure no problem just go ahead and redeposit '' the next day I get an email saying my check has been denied. they start treating me like i tried to cash the same check twice. I told them absolutely not and that i had called and cancelled the first deposit with a young lady name XXXX they claim to have no record of it because she did not cancel on their end. i had spoken to her on their chat feature and still had the conversation on my phone. this fell on deaf ears. I was obviously very upset, they suggested i get the check reissued because they were not going to accept it at all. it is a state check, that will take forever, this is their error i did all i could to keep them informed. I want to close my account with them. Unfortunately, when trying to open an account with a different online bank I am now being denied! i firmly believe it is because of Chime. they are no help at all it takes forever to get a supervisor I had to aske for one fromXXXX or XXXX different reps. please help me. Ii only want to speak to them on chat because i was told they do not record their phone. they claim to have started an investigation but as of yet i have not heard anything. this started on XXXX or XXXX i believe, it has been one of the most frustrating and stressful situations I have ever had. plus now am being treated like a criminal. this is very unprofessional and unfair. I demand they fix this and clear my name, I really dont know what else i could hav done to make it any clearer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-17
Company: EQUIFAX, INC.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Please update my account and remove the inaccurate late payment. I have always paid on time and never missed a payment. This is causing me a lot of stress and anxiety, and I can't even sleep properly because of this problem. I am begging you to update my account as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-17
Company: EQUIFAX, 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: Account status incorrect

Complaint:
Equifax credit report shows the comment customer disputes after resolution fixed rate. I never filed a dispute related to this account with the credit bureau nor with the Department of Education. I would like this comment removed immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-19
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
1I have been trying to resolve a matter with the credit bureaus about some issues on my report. On my report there are 7 accounts that are past the 7 years stats they are as listed. 

XXXX XXXX XXXX XXXX Co {$96.00} XXXX XXXX Co {$310.00} XXXX XXXX Co {$140.00} XXXX XXXX Co {$630.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX These are on all three credit Bureaus. I want them remove

Company response to consumer: Closed with explanation