BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: 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 Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX. XXXX, XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX has violated my rights. Or a list of inquiries : 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 or 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 2020-04-06
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I paid my credit card bill in full on XX/XX/XXXX, and because my account is " new '' by some definition of theirs, the payment won't be credited in full until XX/XX/XXXX per their live chat representative. This causes my current available credit to be much less than what was promised, and leaves me without my promised cash-back rewards.

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 2023-11-08
Company: Experian Information Solutions Inc.
State: NC
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:
Accounts on my credit report have been linked to identity theft without my proper authorization, including a signature. I've already discussed this matter with your organization, and I'm formally requesting the swift removal of these accounts from my report. Their presence has caused significant emotional and financial distress, as they inaccurately represent my credit history and responsibilities. If this issue isn't resolved appropriately, I'm ready to take legal action to protect my rights and seek a resolution. These fraudulent items on my credit record have hindered my ability to achieve important financial goals, such as buying a home and providing for my family.

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 2021-08-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
I have attached two accounts that are currently reporting inaccurately to all three of my credit bureaus. I have attached highlighted pictures of the referenced accounts. Per the FCRA any information that is reported must be reported accurately.

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 2023-12-10
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have requested the company sent me a contract or paperwork with my wet signature, a copy of my photo ID, proof that the debt belongs to me. I have been requesting this information for the past 5 years and the company refuses to provide it. The debt is a violation and if it does not get removed or fairly rectified I will sue in civil court for financial and emotional distress.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-09
Company: Experian Information Solutions 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:
Payment transactions of medical services is being reported illegally on my consumer report. Pursuant to 15 USC 1681a ( a ) ( 3 ) Restriction on sharing of medical information.

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 2022-04-15
Company: Chime Financial Inc
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/XXXX at XXXX PM I had made 3 Cash Deposits to my Chime Bank CHECKING account at a XXXX, amounts each {$500.00}, totaling {$1500.00}. 

At XXXX XXXX the 1st transaction posted immediately to my checking account balance. At XXXX XXXX the 2nd transaction posted to my available checking account balance. At XXXX EST I noticed the Third Cash Deposit HAD NOT POSTED to my account, as if there was never a 3rd transaction. 

This immediately was a cause for concern, so I called Chime around XXXX XXXX, and had explained the situation. They told me if it doesnt resolve in XXXX hours, to call back. 

I waited XXXX hours and then called back. I was then advised if it doesnt resolve in XXXX hours, call back. I waited XXXX hours. 

I went into the XXXX that had taken the cash deposits, and requested a verification on their end that the transaction are all in the system. They were so gracious enough to give me a print out of their bank end data. This print out showed there was no abnormalities in the processing of the transaction. 

I then called Chime Bank back by this point XX/XX/XXXX, they had advised me that they would escalate the situation. They requested I send them the pictures of all 3 receipts, and the print out I had received from XXXX. I did that. After XXXX hours I received an email requesting the documents again. I had called and asked for an update, they mentioned they have contacted the merchant and are waiting to her back. 

At the time of me writing this complain, it is the XXXX of XXXX. Its been almost 2 weeks since the issue occurred, and it appears that not only does XXXX not issue refunds, but apparently theres a {$1000.00} maximum per day. So I believe its false and misleading representation on XXXX behalf, and the fact there is no resolution after this long I believe all parties involved need to be held accountable.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-30
Company: Experian Information Solutions 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: Reporting company used your report improperly

Complaint:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected 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 2022-04-15
Company: Shellpoint Partners, LLC
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 XXXX of XXXX, I was advised by an attorney I consulted that there had been a loading error when account was transferred to NewRez/Shellpoint from XXXX. This I was given incorrect information by Shellpoint. The attorney also stated that although it was their fault and they incorrectly reported to the credit bureau as late, I had to pay the installment I was told by NewRez/Shellpoint not to pay on XXXX of XXXX. The negative reporting began on XXXX of XXXX, when the lender reversed the credited amount. As a result I made the missing installment on XXXX of XXXX. Its only fair that the negative reporting is reversed as the error was on the lenders part.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-28
Company: Square Inc
State: NC
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
On XX/XX/2019, I was trying to transfer {$200.00} through the Cash app from my Credit Union bank account to my Cash app debit card. I mistakenly sent it to my Credit Union debit card, which I had reported lost. So then I transferred another {$200.00} to my Cash app debit card. 
I kept waiting for the initial transfer of {$200.00} to go back to my Credit Union account but it never did. I could see that the transaction was showing as completed in the Cash app but it never turned around. 
I have created at least four support inquiries and on three occasions was able to get documents showing what they have on file. But when discussing with through email only, the support personnel seem to ignore that the initial {$200.00} inquiry should go through my credit union. I had already done that since I could see on my statement {$190.00} was deposited to my credit union account ( {$200.00} minus {$3.00}. for immediate use transfer through Cash app ). 
What I have not seen is the initial {$200.00} which should have also shown on my Credit Union account since the Cash app support team member told me that it was transferred to my Credit Union debit card. 
They refuse to give me the {$200.00} that supposedly went to that debit card and never showed up in my Credit Union account since the debit card was lost. 
I have the Cash app attached to both my Credit Union account and Credit Union debit card for deposits, transfers and sending and receiving cash.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-18
Company: U.S. BANCORP
State: FL
Product: Credit 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:
I would like to dispute the transaction made to XXXX on XX/XX/2023 for {$620.00}. Reference : Reference number XXXX The Vendor, XXXX XXXX, agreed to refund but the purchase still shows up on my statement.

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 2023-04-21
Company: TMX Finance LLC
State: VA
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Charged fees or interest you didn't expect

Complaint:
I am currently serving in the Virginia XXXX XXXX XXXX and asked over the phone if I was eligible to receive a title loan, in which I was told yes to come into the office to complete the process. I received the title loan on XX/XX/2022 in the amount of {$2900.00} and payment was wired to my debit card/bank account. 
Upon arrival at the Title Max office located in XXXX TN, I was told that the employee needed to assess and take pictures of my vehicle. I do have a XXXXXXXX XXXX XXXX  license plate tag and other identifying logos that indicated that I was in fact a service member. 
At no time in the loan process was I asked if I was a military service member. It was the day before XXXX and right before the office closed and the employee was eager to make the loan and close the deal. I was not aware that it was illegal for me to even have the availability to obtain such a loan under the XXXX fair lending Act. 
All paperwork for the loan was done on a computer tablet screen that I did not see, and my signature was super imposed on multiple pages and documents after signing on a little pad one time my initials. I would have never pursued the loan if I was made aware that I was ineligible or that it was illegal for service members to be given such a loan due to the outrageous interest rates. I have made payments since XX/XX/2022 and I am now further away from paying this loan off then the day that the loan was issued. The company was not forthcoming and did not due their due diligence to see if I was eligible for such a loan. They issued the loan without proper clearance and questioning and I should have never been able to obtain such a loan as it is against the military lending act, and I would never jeopardize my family or career in such a manner had I been given the information that I was entitled too. At the time of the loan when I asked for a print out of the paper work I was told that they had printer issues and that everything would be available through their app after the loan was issued, which was also a red flag that at the time I missed.I am hoping to get this loan resolved and settled in a manner in which I can receive my title back. As the company falsified documentation without my consent and without asking me if I was in fact a XXXX XXXX XXXX  which they did not! Thank you for your time and help in resolving this matter, I truly appreciate your willingness to understand the circumstance that I have unfortunately found myself in. 
.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-10
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
In an effort to learn my pre-approved rate on a personal loan with XXXX XXXX XXXX, XXXX XXXX XXXX did a hard pull on my XXXX credit report, when I never authorized anything other than a soft pull. Therefore, a mark on my XXXX  inquiries was made. This happened on or around XX/XX/2018.

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 2023-10-27
Company: SYNCHRONY FINANCIAL
State: TN
Product: Credit card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I have a credit card with Lowes that I signed up for as part of promotion when I bought a fridge. I have 24-months to pay off the fridge with credit card. Lowes outsources the credit card Synchrony bank to manage the credit card. I had no problem for several months but when I attempted to pay on XX/XX/XXXX it didn't go through. It looked successful on their online portal, so I didn't think anything was wrong until I got an email notification saying my payment was past due. This surprised me so I was logged in to see what was happening on XX/XX/XXXX and it said " rejected ''. I DID recently change checking account numbers, right around that time, so I assumed once they tried to draw the account from my old checking account it had rejected. So i added the new bank details ( which showed successful online ) and then paid the new amount due + the past due amount that didn't process XX/XX/XXXX. Posted successfully for {$150.00}. Then again I receive a call ( today XX/XX/XXXX ) saying payment is past due and they trying to collect a debt. I look online and again the payment is rejected. I look at bank account details ( they are correct ) and I see other companies are drawing money out of this new checking account ( no problem with bank ). So why the problem? I tried to call the company but they told me the payment did process ( showed rejected online and no XXXX XXXX drawn out of my account ). When I pressed on this, they were unhelpful. I asked to transfer to supervisor but they said they couldn't - system was down and just said " call back later ''. They eventually just hung up on me instead of resolving the issue. my main concern is being sent to collections by this company even though I've tried to pay them twice and they were unhelpful in making sure I'm successful with that. Very rude and unhelpful customer service.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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: Problem with personal statement of dispute

Complaint:
I have XXXX XXXX XXXX the beneficiary have tendered a payment thereto XXXX for a debt that has not been verified nor validated. I have requested information and FOIA freedom of information act request for private information and personal information from XXXX concerning the alleged account. I have received multiple letters saying they the Credit agencies such as TransUnion, XXXX, XXXX  etc, .. If there is no account please delete all alleged account information concerning the fraudulent account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-29
Company: Nelnet, Inc.
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I am trying to clear my loans as quickly as possible and this company finds every reason possible to put loans into forebarence and deny loan forgiveness applications. I have called them numerous times asking to never be put on forebarence and every 6 months they do it again with another reason. I request again in writing and they never respond. Meanwhile, I rack up interest on the payment amount that would've been taken out. I try to get loans forgiven under teacher service grants. Everytime I submit paperwork, they find something wrong, I correct it, they then find anotehr things wrong extended the process again rather than put all the incorrect items out there at once. This company is XXXX and is just trying to keep the interest flowing as long as possible so they can continue to collect more. They are clearly not there for the customer, purely to create problems for them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-08
Company: MOHELA
State: CO
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:
My Federal Loans have transferred to Mohela. I have always been able to make payment from my checking account to Mohela with no issues prior to XX/XX/XXXX. I was not making regular payments due to the federal pause and have been preparing for the repayment restarting as of XX/XX/XXXX. 

I was placed on an Administrative Forbearance on XX/XX/XXXX. This is not something I requested and I take issue with Mohela collecting interest for a Forbearance that was not requested by myself. I have attempted to make several payments to Mohela via XXXX XXXX and XXXX time payments. Each time, I receive a message that my financial institution has returned the payment. This is simply not true and my account information has not changed with previous payments being processed with no issue. I would like to make my payments and not face interest penalties for something I did not request. 

My current XXXX plan payments are {$170.00} and my new monthly payment plan ( as per studentaid.gov ) will be {$630.00}. 

I received notice that my auto debit was approved and will be debited on XX/XX/XXXX but do not know the amount to be withdrawn or if this auto debit will also be rejected once again. I need to understand the amount to be withdrawn to financially prepare. 

I have attempted to contact Mohela via telephone with over XXXX hour wait times and have been unsuccessful in speaking with a representative. I sent an email complaint regarding this issue on XX/XX/XXXX and have not received any response.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-04
Company: Experian Information Solutions Inc.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Twice over the last 5 years I've watched my score plummet by as much as +/- XXXX points! 
The first time was over 5 years ago, the second, just the other day! 
I asked for an explanation as to your protocol for changing these but was given NO EXPLANATION, simply a well, I don't know. 

I have NOT been late nor have I missed ONE PAYMENT in +/- 15 years! 

My score, prior to the first attack was nearly XXXX Now, after these 2 attacks and IN SPITE of no late/missed payments you have forced it down to +/- XXXX! 

Will you explain your logic to me? It makes absolutely no sense! 

You may check my history back as far as needed to see both attacks, What you will NOT see are any missed/late payments! 

Overall, I've had my score drop from +/- XXXX to +/- XXXX! Despite not having any missed/late payments in more than a decade! 
I've approached both XXXX AND Experian and have gotten nothing but " ... Can't explain it XXXX XXXX. 
Do these credit reporting agencies answer to anyone? How are they able to get away with actions such as this?

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