BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-25
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX XXXX XXXX XXXX  PLEASE HELP ME PLEASE im depressed now.with no help.

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 2023-10-17
Company: Chime Financial Inc
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
A total of 29 unauthorized charges, and another 34 amounting to {$1200.00}, and {$1600.00} were made on my cards starting XXXX XXXX XXXX Despite filing numerous disputes with my bank Chime Financial , they quickly reject all of them without providing any evidence to support their decision. The merchants associated with these transactions do not exist, making it difficult to gather relevant information about the issue. From the start, their treatment of my claims has been subpar. Despite informing them and verifying the accuracy of my claims over the phone twice, they still included valid transactions in the initial claims without making any corrections. Despite multiple communication attempts via phone and email, they never delivered on their promises. I personally discovered that certain transactions were conducted in XXXX and XXXX. Being a sole parent residing in Arizona, this situation is particularly concerning for me especially when they say they have a zero liability policy. I have been fighting with them for 3 months and I was credited back for 3 of the unauthorized transactions but not the other multiple unauthorized transactions from the same merchant.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-03
Company: CREDIT ACCEPTANCE CORPORATION
State: DE
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
Purchased at XXXX XXXX XXXX on XX/XX/XXXX 4 months later at XXXX miles I took the vehicle for a oil change to the car store as well as to identify an additional problem an change was preformed on the vehicle was returned to me I made it XXXX mile and the vehicle broke down I only had the vehicle XXXX  months at this time and put just less than XXXX miles when I returned it for a oil change and a possible XXXX XXXX XXXX and scheduled a appt to return the vehicle for service they car store applied for this loan and was paid a large amount of money for a vehicle that lasted 4 months I continue to pay this loan until recently and have heard nothing from the car store to justify they why they were paid and now didnt care and this XXXX XXXX  struggling to make it now has no car and is liable for a loan for a vehicle I havent had since XXXX  months after purchase please help tried to beg this man XXXX XXXX for any help and he continues to note this is my fault I also purchased all additional warranties to also help make sure I wouldnt be with out a vehicle I dont know what to do or ask for help but this will effect my future when trying to make any other cars or housing in the future

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 2023-06-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

PLEASE SEE ATTACHED LETTERS.

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 2023-09-20
Company: EQUIFAX, INC.
State: PA
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 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 XXXXXXXX : 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 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 response to consumer: Closed with explanation
Consumer complaint received 2023-10-23
Company: Self Financial Inc.
State: MN
Product: Checking or savings account
Sub-product: Savings account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
I had a credit builder savings account # XXXX that I paid monthly, one of those charges did not enter and they charged me charges that I did not accept, for 02 consecutive months they added those charges and did not return all the money I deposited. me. In the month of XX/XX/2021 I disputed the charges, but they did not respond to me and marked me with delays even though they were supposed to be disputed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-25
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:
Equifax is reporting the following accounts with balances when in fact they have no balance : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Information belongs to someone else

Complaint:
I PULLED MY TRANSUNION CREDIT REPORT AND NOTICED THAT A XXXXXXXX XXXX WAS ADDED BACK ON MY REPORT AFTER BEING REMOVE FOR FRAUDULENT PURPOSES. 





In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

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 In accordance with the Fair Credit Reporting Act Convergent, the accounts listed on my attachments has violated my rights.

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 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 explanation
Consumer complaint received 2023-09-20
Company: EQUIFAX, INC.
State: CA
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 accordance with the Fair Credit Reporting Act XXXX  XXXX Account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 ( a ) ( 4 ) states I have the right to privacy.

15 U.S.C 1681 section 604 ( b ) ( 2 ) ( A ) states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem with product or service terms changing

Complaint:
XXXX  XXXX agreed to report the deferment to credit beauers due to late payment because of me being a victim of disaster and due to covid -19 losing employment. However, I was able to pay all past due amount to the current but it shows the late payments that they agree to report as paid.

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 2023-09-20
Company: EQUIFAX, INC.
State: FL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts. I am never been late on this account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-25
Company: Chime Financial Inc
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I opened a Chime checking account about 2 years ago and have been having my paychecks deposited there and moving them into my Chime savings account since. I transfer money into my checking as needed so I dont overspend, so it had a {$0.00} balance and {$760.00} was in my savings account. On XX/XX/22 around XXXX I received a notification on my phone that thanked me for making a deposit into my checking account that I never made. Within a minute, I got a notification and email from Chime support letting me know that my account had been closed. I immediately responded to the email asking why, and what would be done about the {$760.00} I had in my account before it was closed. Within the hour, support had emailed me back and let me know that they closed my account due to not being in compliance with Chimes internal policies and I am ineligible for my money back. I responded immediately again asking for clarification on what that meant and why I was ineligible for my money back. I was then told that someone would reach out to me by email within 2-3 days, and that if I kept reaching out it could delay my response. I called their support number but it is an automated machine that only gives you their email address. Then I called XXXX XXXX, the bank Chime partners with and explained the situation. They also told me they have nothing to do with Chime and I would have to reach out to them for any help. I never heard back from Chime support. So it appears theyve randomly decided to close my account and keep my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-09
Company: Experian Information Solutions Inc.
State: NE
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:
Lots of hard inquires that were made and not by me. Companies allowed my credit report to be pull. The following I have no knowledge about at all and I didn't approve these credit applications : XXXXXXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXXXXXX Inquired on XXXX XXXX XXXX Inquired on XXXX XXXX XXXX Inquired on XX/XX/

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 2023-09-20
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:
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. 

Account Names XXXXXXXX XXXX Account XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EquifaxXXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Equifax 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 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. These inaccuracies are preventing me from buying a new car for my work. I am not able to get a new home for my family. I can not get business credit to grow my business so I can provide for my family.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-05
Company: ENOVA INTERNATIONAL, INC.
State: FL
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Payday loan
Issue: Received a loan you didn't apply for

Complaint:
An account was made that I didnt apply for that goes by the name of Netcredut was opened for a loan of $ XXXX and something and has been charging me {$100.00} every two weeks for it and have been getting money withdrawn from my bank account

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-15
Company: Nelnet, Inc.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I sent in a 1099C to the I.R.S. on XX/XX/2023 the debt was canceled and it was remove from my credit report and showing a XXXX balance and I received an email from XXXX informing me that balance is now XXXX. A month or so later I notice that the account was back on my credit report with the same balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-09
Company: TD BANK US HOLDING COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
To Whom It May Concern My wife and I moved recently in the XXXX from XXXX. We both opened TD accounts in Florida using our XXXX information. Both of us were long time clients with TD Canada Trust, and had been very happy with their services in the past. This was also desirable because we were both awarded credit using our Social Insurance Numbers ( XXXX ) instead of Social Security Numbers ( XXXX ). 
A few months later, I tried to log onto my Online Banking with TD and was denied access. I called multiple times and finally discovered that they had closed my account. They did so without notice, or reason. I had nearly XXXX in this account. We were on the phone with TD branch managers and TD customer service multiple times trying to resolve this issue. They refused to listen, and said I had no choice but to close the account and wait for the funds to be delivered in a form of a check.

I never received any notice that my account was closed or why they closed it, and still havent. After three months my funds were still no where to be found. I received no check. My account and credit cards were blocked and I had no way to pay my credit card. They had nearly {$30000.00} of mine and made no effort to return that money to me. I went on to file a complaint and shortly after the remitted and re-opened the account. While this is a move in the right direction, it is also admittance that they made an unfair and unjust call my closing my account. This also is clear proof that in nearly 3 months they made no effort to return my money to me. During these months I was unable to pay my credit card, which now has late charges and penalties, and I was also forced to use other credit for my day-to-day life, which has a penalty of interest. 
If TD had loaned me {$30000.00} for three months and I had made no payments, they would have added monetary fines to my account and they also would have charged me interest. Just reopening my account is NOT a fair solution and I demand that I be compensated for the unjust treatment of this bank. I am asking for Interest and penalties on my {$30000.00} of {$3000.00} as well as the interest and fees that have accrued on my TD visa since they closed the account in XXXX. 
Thank you.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-12-19
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 fraud alerts or security freezes

Complaint:
Experian 's website is complete garbage when trying to freeze or unfreeze a credit report. 

I spent time online trying to figure out if my report was frozen or unfrozen in its current status by trying to freeze or unfreeze but it would fail and tell me to mail my information to their office. Physical mail for this is outdated as its not needed for XXXX  / XXXX. 

I tried calling them multiple times. Sometimes the line got cut. Many times, I got transferred around. Eventually, I was able to reach someone who tried freezing it and ran into errors and said to call an hour later. I called again later and they were able to freeze it. I asked them to kindly wait on the line while I try adding a temporary unfreeze window on their website as I have had issues with the website and they said they can not wait and hung up. 

I tried unfreezing it temporarily online afterwards and again, it did not work - it asks me to mail my information to their office. 

In general, their online website is garbage for figuring out if your report is frozen or not and for actually freezing / unfreezing it. Their phone support is quite garbage too because they redirect you a lot and do not seem actually interested in ensuring the consumer is satisfied ( they would not wait for me to try a temporary unfreeze online which takes ~1 minute ). 

If you want to use the lock feature, I am sure it works well ( so using locks instead of freezing ), but you have to pay them ~ {$10.00} a month. 

In general, experian feels like an evil company that could use some reform, especially with their website and freeze functions on the site. 

All of this occurred over the course of XXXX to 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 2023-02-03
Company: NAVY FEDERAL CREDIT UNION
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Hello I have an account with navy federal credit union my card was stolen recently and it was several charges made which I didn't notice because I had just placed the funds in my checking account for my monthly bills to be paid but after receiving a call from one of my bills that the funds were not available for the bill I quickly checked my account then looked for my card then called navy federal credit union they took my dispute I told them I believe someone took my card after leaving XXXX the same day I went to the bank I was advised to go to a branch and get a new card I'm physically XXXX so I didn't have a way there right away but when I got there a week later i drove almost two hours away from my home an they informed me that my debit card privileges was suspended for a year which is totally unfair to me im physically XXXX I most times use my card to deposit money for bills it's like being victimized all over again this time by my bank a year is very harsh they're making it seem like I did something wrong and I absolutely did not i reached out for an appeal i have screenshot they responded within two days saying their decision was final it was the fastest appeal i have ever saw please help me

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation