BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-08-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT
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:
I have sent several letters to the bureaus and have received nothing from them. I have checked for any updates and nothing has been done. I really need erroneous items removed to move forward with a home loan please remove.

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 2023-06-07
Company: Experian Information Solutions Inc.
State: TX
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.

The letters are stated with items and issues.

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 2023-03-25
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 Report Act XXXX, Account : 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 an account without my written instructions. 
I tried to fix this issue with the creditor and the information provided by the creditor is not belong to me, please see the attached file and review all the highlighted information my First name is not " XXXX '' is " XXXX ''. 
on the contract agreement paper is not my handwriting, this company has violated my right. 

This is the tracking : XXXX XXXX XXXX XXXX XXXX of the first letter I sent to them to provide proof of the debts that reported on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-07
Company: EQUIFAX, INC.
State: TN
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 this may concern i want to inform your office that you are in violation of fcra and fdcpa .you have violated my rights by reporting false inaccurate information by placing these false accounts on my consumer credit report. The list of collections that are reporting has not been opened by me i have no knowledge of them, be advised by law i have the right to PRIVACY and you the credit reporting agencies have violated it.the list of accused collections accounts and dates FOLLOW AS : XXXX XXXX opened XX/XX/XXXX for {$130.00}, XXXX XXXX XXXX opened XX/XX/XXXX for {$400.00}, XXXX XXXX XXXX opened XX/XX/XXXX for {$810.00}, XXXX XXXX opened XX/XX/XXXX for {$1100.00}, XXXX XXXX XXXX opened XX/XX/XXXX for $ XXXX LAW WHEN AN CONSUMER STARTS A DISPUTE WITH A CREDIT REPORTING AGENCY , THE ACCOUNT THE CONSUMER IS DISPUTING MUST BE DELETED UNTIL FURTHER INVESTIGATIONTHE CREDIT REPORTING AGENCIES AS FOLLOW : XXXX, XXXX AND EQUIFAX ARE CURRENTLY IN VIOLATION AND HAS VIOLATED MY RIGHTS UNDER FCRA AND FDCPA, under 15 U.S. Code 5 1681 - Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system ( b ) Reasonable procedures it is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit. 
personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-13
Company: Chime Financial Inc
State: PA
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
On XX/XX/2022 Chime closed my account stating that - " Provide sufficient original source of funds for transfers and explanation of the rapid removal of {$59000.00} over the last 2 months. '' This is regarding a personal account I have with Chime Bank 1. above you will see an email from Chime bank ( they do business through XXXX XXXX XXXX XXXX that they are investigating me in terms of why I have removed funds so rapidly from my account.. 
2. This is the second time they have shut my account down. However, after the first time, I submitted information ( statements, etc ) showing that there is nothing illegal and they reinstated my account 3. This time after submitting all the info they have not reinstated my account- the answer is pretty simple. I took my {$59000.00} out ( XXXX because I got a bonus at XXXX XXXXXXXX XXXX and {$9500.00} to cover some expenses ) 4. I have called them on 4 or 5 different occasions and customer service states that they can not help me and I have to just respond to the emails... even after elevating the call to the supervisor in charge.. 
5. I have asked for an update 4to 5 different times via their email addresses ( XXXX & XXXX ) however they will not answer me. So, I can't seem to get an answer as to what is going on... What's crazy is this rapid removal investigation. I'm certainly not doing anything illegal. How can a bank do this? What if I wanted to take out my money to buy a car or a house? 

I have about XXXX in this bank account still and would love to take it out but I'm locked out of everything. One of the craziest experiences I've ever had... 

I was wondering if I could get some help on this ... .I just want to sincerely thank you for helping me in the past and again, I am happy to pay you for your services. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-29
Company: ALLY FINANCIAL INC.
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
the loan belongs to my dad

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 2022-10-31
Company: EdFinancial Services
State: MA
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:
I made a payment to XXXX on XX/XX/XXXX in the amount of {$12000.00} which paid off 5 out of the 8 loans I had. The active loans left were transferred over to EdFinancial. I requested a refund on the voluntary payment I made in XX/XX/XXXX as I qualified for a refund due to XXXX. I requested the refund from XXXX on XX/XX/XXXX as I was told by my current servicer ( EdfFinancial ) that since that payment was made prior to my loans being transferred that XXXX would handle the loan. I confirmed the request was in and received notice dated XX/XX/XXXX that the loan refund was in process and it would take 2 months to receive it ( I have attached the notice for reference ). It got close to the 2 month mark and XXXX eventually told me there was no loan refund request in their system. I was told I had to speak with my current servicer to get the refund/ I went through a circle the week of XX/XX/XXXX because I kept calling EdFinancial who told me they couldn't refund it and then call FedLoans for them to say they can request the refund. I ultimately was able to get a refund request put into EdFinancial. I previously submitted a CFPB complaint about the inaccuracies and discrepancies with refund timelines on XX/XX/XXXX where XXXX then responded on XX/XX/XXXX ( after I found out that my loan request was nowhere in their system ). They said they transferred my " paid in full '' accounts to EdFinancial and that they have the refund request I previously made. I spoke with EdFinancial on XX/XX/XXXX and they only had the request I remade on XX/XX/XXXX in their system. Essentially I waited 2 months assuming XXXX was processing my refund to only be told that nothing was done and have to start from square one with XXXX. It seems as though both providers can me inaccurate information and it has resulted in a larger delay in receiving my refund. This is unacceptable as now EdFinancial refuses to give a timeline on when to expect my refund and some of the representative who had said it will take a minimum of 150 days from the day I requested the refund from them and not when I requested it from XXXX  which I was told would transfer.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-10
Company: SYNCHRONY FINANCIAL
State: OH
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:
I went to a restaurant and they gave me back the wrong card. I contacted the company and they dont have my card. I called synchrony to report my card as its not in my possession. After 5 calls, my card is still active. Representatives did not want to assist me like they are wanting fraud on the card. They transfer me to a place that barely can understand me and when I do get someone who can, they are total jerks and disconnect the call.

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 2023-04-25
Company: EQUIFAX, INC.
State: IL
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:
I have tried to fix this issue by reporting these fraudulent inquiries showing on my consumer report. You have caused me mental and financial stress when you issued an inquiry that does not belong to me and in which I am not responsible for. I'm a XXXX of identity theft and I'm seeking litigation if this complaint not handled accordingly. Cause " you know guys, I have not been able to purchase my dream house and provide for my family needs due to these inaccurate and fraudulent items showing on my consumer report. I attached a letter I previously sent together with FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-07
Company: EQUIFAX, INC.
State: NY
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 XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-31
Company: EdFinancial Services
State: AZ
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 called Ed Financial Services and told them I made a large payment and that I couldn't locate it. I called Student.gov, my previous lender which was XXXX XXXX XXXX, and no one could recall I made the payment. My balance initially before making the payment was {$12000.00} approximately. Once I made the payment of {$5000.00} even it brought it down to {$7800.00} approximately. I have had fraudulent discrepancies in the past with the education department. I contacted my bank and was able to locate the payment. I ask Ed Financial to help assist me with investigating this and correcting the problem. I still haven't heard back, and I don't believe they are planning to do anything about it. I also ask them to refund the money I paid due to the one-time student loan forgiveness.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-10
Company: AFNI INC.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I open my credit report today and see there is a new collection from a company I have never heard of. I was not even mailed a notice to dispute. No idea what is going on here.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-10
Company: FinCo Services Inc DBA Current
State: TX
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:
It was an unauthorized transaction in the amount of {$530.00} that happened on XX/XX/2021 at XXXX. I filed a complaint with current and they denied my claim. Stating that I was the one who did the transaction and I was not aware of that transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-13
Company: Experian Information Solutions Inc.
State: TX
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. 

U S DEPT OF EDXXXX 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 an 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. 


These are clear violations of my federally protected rights under the FCRA.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-29
Company: SYNCHRONY FINANCIAL
State: PA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Getting a line of credit

Complaint:
In XX/XX/2022 I had applied for an XXXX business line of credit, XXXX uses Synchrony Bank to underwrite this line of credit and issue the finances accordingly. 

In order to improve the odds of my XXXX business line of credit approval, I offered a personal guarantee in my XXXX XXXX application because my credit score is over 800 and I have exceptional odds of approval, 100 % typically. 

Without ever reaching out to me for more information, Synchrony Bank denied my line of credit and sent me a rejection letter stating that they were unable to verify my personal identity .... but how can the underwriters not verify my personal identity when my name, dob, social security number, telephone number, address, and e signature are on the application? Why didn't the underwriting department reach me directly to verify instead of denying? 

I of course contacted them to address the issue and told them that there is proof that they RAN my credit report the day of my application, so how can they run my credit report with my name, dob, ss #, address, phone number and esignature yet not verify my identity? 

The Bank refused to rescind the credit inquiry that they messed up and now I have an inquiry causing me negative impact to my credit report because they did a hard inquiry and then rejected my application after their representatives failed to do the underwriting correctly. 

I filed a PA attorney general complaint to address this issue with Synchrony Bank as they refused to amend their negligence ... instead of contacting me using the number or email provided in the complaint, which is also in their records for the XXXX XXXX and a XXXX XXXX, ( so provided correctly 3 times ), they replied three months later stating they attempted to contact me via my old phone number which I never provided them on any of these applications... So they refused to mediate with me, refused to amend their mistake and have caused me damages by virtue of negative credit impact due to their mistake. 

For further insight, in the same month I also applied for a XXXX XXXX who also use Synchrony Bank and I was approved for {$2000.00}, they performed the exact same underwriting procedure for both LOCs, just one they messed up and refused to fix their mistake. 

I have recordings of their agents refusing to accept responsibility and help me, and even caught lying on record, HOWEVER, the CFPBs limited file size of 10mb isn't large enough to permit attaching to this complaint... I offer it in an auxillary email attachment as needed, please ask me for it, I'd love to send it over to the CFPB for review.

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: Experian Information Solutions Inc.
State: PA
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:
I want this late payment deleted from my account within XXXX  days, this is not mine, I'm not aware of this, Under USC 1666b. 
See the documents attached.

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 2022-11-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
This is the several time I've complained about being a victim of identity theft. The 3 credit bureaus must remove any item 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 Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$11000.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$890.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX : {$1500.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$680.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1600.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$670.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX ) XXXX Balance : {$820.00} ; MEDICAL XXXX Balance : {$43.00} ; MEDICAL XXXX Balance : {$32.00} ; MEDICAL XXXX Balance : {$210.00} ; XXXX XXXX XXXX XXXX APT XXXX XXXX XXXX, TX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX ; XXXX XXXX XXXX LA XXXX, LA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX  XX/XX/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