BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-08-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
I requested a free credit report from trans union by mail ... My first experience was to go to their website where they hide information about CHARGING for a credit report in small print. They ask for a credit card and one can not proceed unless you submit one ... They charge your card monthly regardless of the the FREE report they are supposed to provide.. 
.. I contacted transunion who said they are permitted to charge credit cards and blamed me for not reading the tiny print and they refused to close the account and I was forced to file a dispute. I immediately contacted my Credit Card and disputed the charge, they then stopped charging my account ... HOWEVER they never gave me access to the credit information and they still refuse to do so. I requested a Credit report by mail and they sent the report refusing to give my Credit Score. The problem is transunion has given my credit score to several credit card companies who are sending me offers I signed up for the no call list but am still receiving these. I have verified that the other credit reporting agencies are not giving out this information This means transunion is giving out my credit score to others without my permission yet refusing to provide it to me without charging me for it. I want everyone to know that transunion is violating the no call list and that they have refused to provide a credit score. it is my understanding that they can not give out information and refuse to give me that information. This clearly would include giving out a score to credit card companies yet refusing to give me that score.. They have violated misusing my personal information as they are required to provide me with any information they give to others which absolutely includes a score they give out to others. The CFPB needs to stop both transunion forcing a credit card to get information and transunion charging accounts unknowingly. Also Transunion must be stopped from giving out information to Credit card companies that make offers via email and phone. A no call or contact list is supposed to be valid for 5 years and Transunion is violating personal privacy, and on top of that refusing to provide the public with the information they provide to others.

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 2021-08-08
Company: EQUIFAX, 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:
XXXX XXXX  account number XXXX is wrongfully appearing on equifax, XXXX  and XXXX  credit bureaus.on XX/XX/XXXX i paid XXXX dollars cash for a {$170.00} charged off amount in XXXX.the date of first delinquency was in XX/XX/2015. 
XXXX XXXX  in violation of CALIFORNIAS ROSENTHAL FAIR DEBT COLLECTION PRACTICES ACT CHARGED ME AN XXXX DOLLAR FEE TO PAY THEM THE XXXX DOLLARS CHARGED OFF ON ALL THREE CREDIT REPORTS. 
ORIGINALLY THEY TRIED TO TELL ME I OWED {$360.00} TO PAY THE {$170.00} DOLLAR CHARGE OFF OF XXXX.THE PAYMENT HISTORIES HAVE ALWAYS BEEN INACCURATE ACCORDING TO THE FCRA AS WELL AS THE CHARGE OFF DATE THAT THE FCRA ALSO PRESCIBES THE CORRECT METHOD AND DATES. IN ANY CASE " PAY ME '' FEES ARE ILLEGAL IN CALIFORNIA IN ANY AMOUNT OF MONEY. " PAY-ME '' means fees charged to handle payment of the original debt, to accept payment of the original charged off debt. 
THIS ACCOUNT WITH PROOF OF THE ABOVE ATTACHED HERE SHOULD BE IMMEDIATELY DELETED FROM THE BUREAU 'S CREDIT FILES.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-24
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:
I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. 

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. 

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

15 U.S.C 1681 section 604 A Section 2 : 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 of the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

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 2023-08-09
Company: Experian Information Solutions Inc.
State: IN
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:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2023-01-05
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
The following are unrecognized credit inquires which need to be removed immediately. I suspect these inquiries may be fraudulent. 
: XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/202XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-14
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:
XXXX XXXX XXXX XXXX. 
XX/XX/1992 XXXX In accordance with the Fair Credit Reporting act XXXX XXXX supervisor at XXXX  has violated my rights. And receptionist XXXX was very unprofessional and rude. 
Also XXXX and Experian were all the same but XXXX was the most inhumane and disgusting experience I've ever experienced after speaking with all of them I didn't feel like I had any rights as a American. I let them know if any account not associated to XXXX XXXX XXXX XXXX XXXX, FL XXXX is not mine but they were all rude and disgusting and violated these specific rights below. This is un acceptable and I demand different all accounts not associated to my lifetime address to date To immediately remove all addresses and accounts not associated to XXXX XXXX XXXX XXXX XXXX to address XXXX XXXX XXXX XXXX XXXX, FL XXXX 15 U.S.C 1681 section 602 A states I have the rights to privacy.

15 U.S.C 1681 section 604 A section 2. It also states a consu
mer reporting agency can not furnish a account without my written consent. 

XXXX XXXX INQUIRY XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-24
Company: ALLY FINANCIAL INC.
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
On XX/XX/2021 I had completed a refinance application with Ally Financial mortgage department and had to pay {$550.00} to lock in on rate. I was informed that everything far as credit was in order and we would move forward in completing the application process. I was informed that the Underwriting department would have to view my documents before completing the process and was told that the Underwriting department informed that we could move forward. For over a month I was going back and forth and submitting all requested documentation. I was informed that we were approaching the close process and everything looks fine and we would move forward to finalize paperwork and complete before the expiration on the lock in date. I was told that the lock in of {$550.00} would be credited back to me. The process went on for over a month. After a month of submitting all documentation I was informed that my application was denied and my {$550.00} locking rate would not be refunded back to me and would be applied to the appraisal fee. I feel that Ally Financial has poor business practices and very deceptive and misleading information that they communicate to their customers. I feel that they have scammed me and took my {$550.00}. I

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 2020-09-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I XXXX XXXX am a victim of identity theft the following accounts and inquiries are fraudulent. 

ACCOUNTS XXXX XXXX XXXX  XXXX Reported : XXXX. XXXX, XXXX {$0.00} XXXX Reported : XXXX XXXX, XXXX {$960.00} HARD INQUIRIES XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : 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 2023-09-12
Company: Maximus Education, LLC dba Aidvantage
State: CA
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 have been actively trying to communciate with Aidvantage for more than a month at this point through the following : -- the email address listed in the 'contact us ' on the website -- telephone -- the live chat feature on the website So far, I have gotten only XXXX email response ( I sent XXXX very specific emails asking for followup ), have been hung up on, have been on hold for a combined several hours, and am currently waiting for an agent on the chat function ... it's been XXXX minutes and still no agent to chat with. 

The hours for all these are also so unhelpful for anyone with regular job hours -- I have to take time off work to try and reach someone, and then can not. Even the chat function shuts down every day well before the published hours are over.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-22
Company: Chime Financial Inc
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I am a victim of identity theft and someone has opened a fraudulent Chime account using my personal information.I received the card from chime with the account information on XX/XX/23 in the mail to my home address. I immediately called Chime and attempted to mark as fraud and requested that it be closed but I was refused by the Chime person on the phone since I could not verify the fraudulent email address in which the account was opened under. I was told that the call recording would be submitted to their fraud department and I would receive an email ( to an email address I provided ) within 24 hours confirming that the account was closed. Today, XX/XX/23, I have received no correspondence from Chime regarding the closing of this account. 

I called Chime again today, on XX/XX/23. I informed them that I have not received any email from them and would like to mark the account as fraud and request that it is closed out. Chime confirmed my ( actual ) email address and re-sent another email that I never received. 

Chime is very difficult to work with and I feel like as a victim of identity theft I am having to jump through hoops to get help to mark the account as fraud and close out the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-06
Company: Risecredit, LLC
State: AL
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:
Rise should be taken completely off of my credit reports, because the debt was sold to a creditor and has been paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-12
Company: EQUIFAX, INC.
State: IL
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. XXXX 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 719XXXX has me at a score around 590. That is a huge difference. XXXX 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 XXXX 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 XXXX. 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 XXXX more than 21 times. XXXX 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 year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-09
Company: NAVY FEDERAL CREDIT UNION
State: FL
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Commencing on or about XX/XX/2021, I fell victim to a multilayered scam operation orchestrated by XXXX ( the Company ), with the design, development, manufacture, promoting, marketing, distribution, labeling, and/or sale of illegal and outright fraudulent of investment services, all of which aim at contributing to the goal of robbing and defrauding clients, through a predetermined cycle of the clients losses to their gains. Money was transferred from my account via credit/debit card and through an intermediary named XXXX in the total amount of XXXX USD utilizing NFCU services. 

I have since filed a case against XXXX too. Although NFCU has helped recovered the sum of {$1200.00} USD, I have yet to recover the rest money. I am yet to recover my hard-earned money in the sum of {$1700.00} USD. 

A pre-arbitration procedure should be conducted.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-04
Company: Experian Information Solutions 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:
I have sent multiple letters regarding fraudulent information in my credit report. It has been more than 30 days, but I did not receive any response.

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 2023-04-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  AR XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance : {$6500.00} ; XXXX XXXX XXXX XXXX Balance XXXX {$1600.00} ; XXXX XXXX XXXX Balance : {$590.00} ; XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX AR XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AR XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance : {$6500.00} ; XXXX XXXX XXXX XXXX Balance : {$1600.00} ; XXXX XXXX XXXX XXXX XXXX XXXX  AR XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX AR XXXX ; XXXXXXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX ) XXXX Balance : {$1600.00} 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
Consumer complaint received 2021-08-08
Company: HYUNDAI CAPITAL AMERICA
State: KY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I was contacted today XX/XX/2021 stating I was 4 days paid due. I was told by XXXX XXXX in XXXX Arizona the due date would be change to XXXX after they submitted to Kia finance. I explain this to Kia fianc today and collector just kept saying can you pay that today repeatedly and would not help with solutions. I asked to speak to manager manager said said thing and told me I am being billed {$7.00} plus for it being late. I read over my contract and I do have a grace period of 10 day before getting late charges. This is unfair debt and collections against myself. I want to point out I asked for paper billing and see told me se can not. I just got off the phone again with company and said they can. This is unacceptable debt collections against myself. I would like a resolution to this issu.

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 2023-02-02
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 once more, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts : XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$130.00} XXXX XXXXXXXX Balance : {$410.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-27
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
So I finally got my unemployment checks from the pandemic. I was excited to open an account and use the money I so urgently needed. Once I try to transfer the money to an external account ... .they LOCK ME OUT OF MY ACCOUNT. No I am back at broke and 0retty much homeless now.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-14
Company: Bread Financial Holdings, Inc.
State: MA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
DEAR COMENITY BANK/LNBRYANT ( XXXX XXXX XXXX XXXX, OH XXXX ; ) I was shocked when I reviewed my credit report and found late payment on the dates below : XXXX & XXXX OF 2020 FOR 60 DAYS LATE? 

I am not sure how this happened, I believe that I had made my payments to you when I received my statements. Also, with everything going on, particularly COVID-19, and being hospitalized with XXXX, loss of a family member lately, and loss of job, etc. My only thought is that my monthly statement did not get to me.

Company response to consumer: Closed with explanation