BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2024-01-10
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:
The purpose of this complaint is to have several unauthorized hard credit inquiries removed from my credit report. I received a copy of my credit report from your bureau on XX/XX/XXXX and noticed that there are unauthorized inquiries listed. Kindly investigate my claim in accordance with the Fair Credit Reporting Act. If you find any unauthorized inquiries, PLEASE REMOVE THEM AS QUICKLY AS POSSIBLE and send me a copy of my new, accurate credit report. 
XXXX XXXX XX/XX/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

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 2023-02-18
Company: Bread Financial Holdings, Inc.
State: GA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
In XXXX if 2021, I paid off my credit card with Comenity Bank ( XXXX XXXX ). I asked them to also close my account and to update credit bureaus that it was indeed paid off, up to date and closed. However, this company continued to charge me interest etc. 
I have contacted them NUMEROUS times in regards to them saying I owe them money as well as disputing late payments with credit bureaus. When I spoke to them on phone and email, they stated charges would still occur when a man account is closed. Well, noit shouldnt. A closed account, requested my customer, should in fact be closed. 
I literally wanted them to show this on credit reports and to be rid of them completely but that hasnt been the case. I am extremely fed up with this company and would appreciate help getting this issue resolved. I am among thousands that they have done this to. 
My good credit score has been damaged and they need to fix along with not sending me any more bills for a card I dont even have anymore.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-06-23
Company: Santander Consumer USA Holdings Inc.
State: CA
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:
This is not my account. Someone stole my identity and opened many accts under my name without my permission or authority. Please verify all information is truly mine, correct and accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-09
Company: CITIBANK, N.A.
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Good day, I received fruadalent charges from XXXX in XX/XX/XXXX I have been disputing the card charges with the company. they continue to add late fees and remove fees but the core of the issue doesnt gets resolved which is the actual charge of {$59.00} They have destroyed my credt scor by XXXX points, I have closed the account I continue to reach out to both Wayfair and CIti but the are not responding to the correction even when I received notification that the card company has completed the investigation and have come to the conclusion that the charges are fraud as of XX/XX/XXXX i have attacched the letter in this complant, but as of today the charges are still remaining on the account requesting paymenr. I like this matter removed from my credit and score.

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 monetary relief
Consumer complaint received 2023-05-15
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: Their investigation did not fix an error on your report

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX Balance XXXX XXXX XXXX XXXX Balance XXXX XXXX XXXX XXXX Balance XXXX XXXX XXXX XXXX Balance XXXX XXXX XXXX XXXX Balance XXXX XXXX XXXX XXXX Balance XXXX XXXX This complaint is my follow-up to ensure that the listed accounts are fixed and updated

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-07
Company: Experian Information Solutions Inc.
State: VA
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I am stating that XXXX, XXXX, Experian, and XXXX  have went against my rights as a consumer by reporting unverifiable and false information on my consumer report, and I am demanding reparations. 

Congress states under FEDERAL LAW that what XXXX, XXXX, XXXX, and Experian are reporting should not be on my consumer report ; pursuant to 15 USC 1681a ( 2 ) ( B ) " any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device, '' should be excluded from my consumer report. This means anything that was extended or authorized from a credit card should not be on my consumer report. 

Congress states under FEDERAL LAW what a Credit Card is pursuant to 15 USC 1681A ( R ) ( 2 ) " The term Credit Card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. '' I extended my credit to XXXX  through my Social Security Card as my " Credit Card '' which classifies any business I do with them a credit transaction. 

My rights were also violated when these transactions were reported to my consumer report because they failed to follow proper procedures. Congress states in 15 USC 1681b " any consumer reporting agency may furnish a consumer report under the following circumstances and no other : '' Then pursuant to 15 USC 1681b ( 2 ) " In accordance with the written instructions of the consumer to whom it relates. '' I never gave any of the consumer reporting agencies written consent to furnish my credit report. 

I am demanding from XXXX, XXXX, Experian, and XXXX to not only delete any and everything from my consumer report in regard to XXXX  ; I am also demanding at least {$1000.00} per deletion from EACH company for the pain, trouble, and inconvenience they all have caused me pursuant to 15 USC 1681n. Failure to comply within ( 14 ) days will result in me pursuing litigation and receiving more equity than demanded. 

I have also had a conversation with XXXX  already yesterday XX/XX/2021 and they stated that they will remove all of my information from the consumer reporting agencies. I understand that deletion is admission, and that what they did was in fact incorrect therefore I am demanding my equity in the above statement from every party involved for at least {$1000.00} per deletion sent in the form of checks to the address XXXX XXXX XXXX XXXX XXXX VA XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-23
Company: EQUIFAX, INC.
State: AR
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'm filing this complaint because of certain false accounts I discovered on my credit report. XXXX, Equifax, and XXXX Credit Bureaus have not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and it is not permitted for them to continue publishing unverified information within the legal time frame in the absence of any supporting documentation. The accounts that are inaccurately reflecting on my credit reports are listed below : XXXX XXXX XXXX Balance Owed : {$2800.00} XXXX XXXX Balance Owed : {$6000.00}. Get the disputed accounts fixed as soon as you can in accordance with the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-21
Company: HEARTLAND PAYMENT SYSTEMS INC
State: NY
Product: Debt collection
Sub-product: Private student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
ECSI claims Im not eligible for unemployment deferment but sends letters that it may be an option to me. They are giving me contradicting false informations continuously. They need to explain why unemployment deferment was not given to me yet they have economic hardship deferment which I do not qualify as of now due to unemployment. Furthermore, I was misled by ECSI and ECSI claims they had loans with me since XXXX  but they do not have master promissory note with me starting in XXXX  and they claimed to be federal not private. All their loans are invalid and must be canceled.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
On ( XX/XX/2022 ) 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 2021-07-07
Company: Chime Financial Inc
State: IA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
I already tried confronting Chime directly myself. After dealing with their people 3 times, I've already ordered a new pay card from my own work and cancelled everything having to do with them. They are a scam set up to rob as many victims as possible trying to keep them unaware. I've had a total of XXXX dollars be wrongfully taken from my account, which left me unable to spend my own money. I don't make a lot of money as is and everytime I looked for answers as to where the money went, I always ended up feeling hopeless. Their scam is within the terms of their credit card. I read to terms front to back and their entire app never mentions exact details outlining how the credit card will work. It's set up to be as confusing as possible. However, when the funds automated too transfer from your debit to your credit, surely your credit limit will not exceed XXXX dollars. I'm so very displeased with their service and am telling anyone and everyone how much chime is into extortion.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-09
Company: Mr. Cooper Group Inc.
State: SC
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
My complaint is for MR Cooper. I originally applied for the modification on XX/XX/XXXX I received a notice on XX/XX/XXXX that i was missing documents I sent the missing docs on XX/XX/XXXX and on XXXX I received the complete acknowledgement letter stating that my package was deemed complete and they were going to evaluate in 30 days. They then told me ( never received a letter ) on XXXX that I was missing a document I provided the document and Mr Cooper XXXX acknowledge the doc until 20 days letter and that was only because I told them I was going to file a complaint with the cfpb they proceeded to send another complete acknowledgement letter deeming my application complete on XX/XX/XXXX I guess that was to cover themselves because BY LAW they have 30 days to evaluate once the documents are received I was XXXX payment past due when I originally applied and I am now XXXX payments behind my plan is to reach out to my stte attorney general with these letters because they have exceeded the timefram with my request please see attachmennts as well

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-25
Company: FinCo Services Inc DBA Current
State: OK
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I had an issue with Current bank promising perks with their Premium account. They charge {$4.00} for the account, and swear you'll get fee free ATM 's and the ability to load your card at XXXX locations. The ATM 's they mark in their ATM locator are not fee free. You can not load money, only withdrawal. I requested to have my account closed on XX/XX/2021. I was told on XX/XX/2021 that the process to close my account was underway. XX/XX/2021 and I am receiving correspondence about transactions on my very active and not closed account, an account I took all of my money out of so I could close it. Any transactions made on it now are sending me into negative, affecting my already low credit score. I was lied to by Current, and am now locked into this paid Premium account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-12
Company: Experian Information Solutions 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:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX, Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX  Account # XXXX, XXXX  XXXX Account # XXXX, XXXX XXXX XXXXXXXX Account XXXX XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account XXXX XXXX, XXXX XXXX  XXXX Account XXXX XXXX, XXXX XXXX  XXXX XXXX Account XXXX XXXX, XXXX XXXX XXXX  Account # XXXX has violated my rights. 

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

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

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 2023-08-09
Company: Block, Inc.
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
I received a notification on my phone from cash app that someone was requesting a payment of {$200.00} I unlocked my screen and just unlocking my screen accepted the payment request. 
I XXXX XXXX the consumer did not initiate this transfer. 
I XXXX XXXX the consumer received NO benefit from this transfer. 
This transfer was initiated by a unknown person through a cash request to cash app. 
I XXXX XXXX the consumer received a locked screen notification from cash app requesting {$200.00} I XXXX XXXX the consumer unlocked my phone screen to decline and face id screen came up when the screen cleared it said accepted. 
I XXXX XXXX the consumer did not accept the request. 
I XXXX XXXX the consumer did not press anything. 
It never gave me the choice too. 
I XXXX XXXX the consumer immediately requested a refund from the sender per cash app policy. 
It was declined. 
I reported the transaction as a scam transaction per cash app policy. 
I then filed a dispute through cash app chat. 
The next business day cash app dispute department refused to open a dispute and closed my case.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-15
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
In accordance with the fair credit reporting act XXXX, XXXX, Equifax has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681 According to the 15 U.S.C 1681 section 602 A states I have the right to privacy The following names, Date of births, employers and addresses do not belong on my credit report : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, AL XXXX XX/XX/XXXX proper name is : XXXX XXXX XXXX correct address : is XXXX XXXX XXXX XXXX XXXX XXXX fl XXXX XXXX XXXX please remove all employers Fromm my credit report proper date of birth : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
Kindly delete these unauthorized accounts from my credit report. I haven't opened them, and I'm unaware of their origins. As per USC 1681g, I request their removal within the next 15 days. I've attached the relevant documents for your reference.

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 2024-01-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
The situation at hand is causing me considerable distress and affecting my sleep quality. I find it hard to come to terms with the issue. I urge you to rectify my account without delay.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-22
Company: CITIBANK, N.A.
State: TX
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I called Citibank 5 times to close an account and got hung up on 4 times. The only time that I got to talk to someone in the department responsible for closing my account turned around and gave me a phone number to call. To add insult to injury, the phone number he gave me doesn't even work! 

There are no branches in my area anymore and I have no way to physically go to a branch and close it. 

Every time I called the customer service line, every person who answered is from other part of the world. I had a woman put me on hold ( before it was disconnected ) and I could hear a rooster in the background! 

This is a pathetic joke.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-21
Company: Possible Financial Inc
State: WA
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:
15 U.S Code 1666b ( a ) They can not report a late payment as late without first sending me all information required under this law in a statement at least 21 days before the due date. 

I asked them twice to verify that they sent this information to me which they have yet to verify.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-07
Company: TD BANK US HOLDING COMPANY
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:
I've been disputing fraud accounts on my credit report since XX/XX/2021. I keep sending multiple sets of letters to the bureaus and the creditors so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 100 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well.

Company response to consumer: Closed with non-monetary relief