BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
On XXXX XXXX The Credit Bureaus stated XXXX XXXX XXXX XXXX, XXXX/ Account XXXX was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and the date last reported is not accurate. This is ground for removal. They also violated my rights under U.S.C 1681 section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish an account without my written instructions.

I haven't given these accounts written permission to furnish these accounts on my credit report.

U.S.C 1681 section 602 A : States I have a right to privacy.

U.S.C 1681i ( 5 ) ( a ) ( i ) ( ii ) Therefore this account was not investigated properly .... This information needs to be removed immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
This is my 20th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 2023-08-26
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
This company is trying to collect for the insurance company USAA. I sold a vehicle and 6 months later the new owner was involved in a XXXX XXXX XXXX XXXX XXXX shows the date of sale with the new owner 's name and address. Apparently he was uninsured so they are trying to get {$10000.00} from me. I previously settled this matter with USAA and they called off the previous collection agency because I proved I no longer owned the vehicle at the time of the incident. Nor was I the driver of the vehicle. How do I stop this endless cycle of USAA trying to collect a debt I don't have anything to do with? The current collection agency is XXXX XXXX XXXX, XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-10
Company: EQUIFAX, 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:
XXXX XXXX XXXX illegally furnished information to my consumer report on DATES XX/XX/2021, XX/XX/2021. Every condition under 15 USC 6802 was not met to publish my non public personal information. My rights as a consumer, to protect my non public personal information, were violated by XXXX XXXX XXXX. 
Under 15 USC 1681b ( A ) ( 2 ) a consumer reporting agency can only furnish my consumer report if it has written instruction from me the consumer. I have not given consent to any consumer report agency to furnish my consumer report.

Under 15 USC 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
We are having a huge credit score problem. 

Two months ago, I hired a new nanny for my children. We added a credit card for her under our XXXX XXXX account for food and household expenses. Our understanding was that our liabilities would not show up under her name. In face, we were told so by XXXX XXXX. 

Two months later, my nanny 's credit score was completely ruined : It went from XXXX to XXXX in a matter of days. We always pay off our credit card each month and have never missed a payment. One month, we had a high balance mid-month which showed up on our nanny 's credit report ... even though it was under our names and not her name. 

I called XXXX XXXX to explain the issue. She is an extremely responsible person who had a XXXX credit report. How could her credit be ruined because of my balance ( which again, was not an outstanding balance and was paid on time )? 

XXXX XXXX again explained that she should not assume the liability and that they will issue a " deletion report '', which will delete our credit card information from her credit report. 

However, when we contacted the credit agencies, they said that her credit score will not go back after the deletion report. There is simply nothing that they can do. 

This is extremely unfair that a responsible, hard working person 's credit score can be ruined in such a manner. These balances were never under her name. More over, we were always in good credit standing because we paid this balance off on time. 

This type of random, aggressive credit score punishment has a major repercussion for her life. She can not rent an apartment or take out loans for other important things in her life. She is a responsible, hard working person who takes care of XXXX young children every day. This is extremely unfair and a failure of the system.

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 2023-09-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
It has come to my attention, that XXXX XXXX XXXX XXXX has transfer an account to XXXX XXXX XXXX XXXX Immediately after I have put them on notice of Identity Theft. See FTC report # XXXX attached. XXXX XXXX XXXX XXXX is refusing to discuss my concern about their acct # XXXX, balance {$700.00} Without first verifying the information they have on file. How can I verify information that doesn't belong to me? 
Debt Collection Practices laws 15 USC 1692c., 15 USC 1692d., 15 USC 1692e. , 15 USC 1692f, 15 USC 1692g., and 15 USC 1692j.

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 2023-08-26
Company: AMERICAN EXPRESS COMPANY
State: GA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Overcharged for something you did purchase with the card

Complaint:
Consumer processed a mobile ( phone ) ticket transaction on XX/XX/, for an event believed to be with XXXX, but was instead through a boxoffice outlet/reseller who overcharged for the event. This reseller was XXXX  with a charge showing merchant as XXXX XXXX. Consumer saw the extraneous service charges added, so contacted XXXX customer support to try to cancel the transaction. This merchant would not allow cancellation and referred consumer back to the terms of the purchase. Representative was unhelpful with a XXXX  sounding accent. Tickets were transmitted through XXXX, but consumer did not accept tickets as he already tried to cancel and then submitted a dispute with American Express for the transaction. American Express investigated and concluded they would credit the amount. However, Amex later reversed this credit, letting the original charge stand. Consumer called Amex again on XX/XX/XXXX  to request re-opening this investigation and they advised that they should have an answer on this dispute back by XX/XX/.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX ; XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX Balance : {$680.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX : {$0.00} ; XXXX XXXX Balance : {$1200.00} ; 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 2023-05-03
Company: JPMORGAN CHASE & CO.
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:
I am Veteran. Chase Bank provided me with a Deposit box at no charge for Veterans. 
All of a sudden they change their minds and decided that they were going to perform an unauthorized charge my Checking account creating an over draft. I told them I did not want that box, and i wanted to return the box. I went to the office. They said they could not return my advance charge for a year, that i did not authorize. And i no longer have that service. I asked why I was being charged for the next year. They said that was the way it was. I told them that was not right and I did not authorize that charge. And I no longer have that box. They said that is the way it works. I contacted the Main Chase number, and they said to go back to the Branch. I believe i am being given a run around.I don't beieve Veterans and Senior Citizens should be treated like that. Promise something take it back and tell you, that is the way it is. I am paying for another year for nothing.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-02-18
Company: SYNCHRONY FINANCIAL
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
2 years ago I needed XXXX XXXXXXXX XXXX XXXX XXXXXXXX, I was offered a paymentplan using a Synchrony bank Mastercard. it was explained to me.that if I paid it off in 2 years it would be interest free, I was'nt able to meet that condition.whether right or wrong I believed this to mean that after the time expired I would pay interest on the balance.my balance is now {$4000.00}, my present bill has an added interest of {$3900.00} making my balance $ XXXX.I would have gladly paid interest on monthly basis if it had been offered. I spoke with Synchrony rep, who told me that " there was nothing he could do, I signed the agreement and that was that. ' my original cost was {$10000.00}. This is a disservice to consumers in that It is misleading, not necessry.and in the end debt trap.

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 2022-11-05
Company: Experian Information Solutions Inc.
State: IN
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 recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-30
Company: CITIBANK, N.A.
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Since I opened up a new account with Citibank barely two months ago, my account is blocked. I lost count how many times I've called Citibank with my concern either the agents are very rude, say they can't help me than say I'm disconnecting the call, or take through interrogation like I'm the guilty one for opening the bank account. My bank account has been blocked now for over a week, I feel like I'm being taking around in circle with no one even trying to resolve it. I filed with XXXX, because this is getting way out of hand, I can't even add the money that's in the account to pay my rent. Every agent I have spoken with keeps asking me did I receive a call or voicemail with a code, I said no. That's when the agent said there's nothing they can do to help me, I'll have to wait for the verification letter to come in the mail with the code what sense does that make. I even called my cell phone provider to give me a new phone, obviously the number associated with my account is the big problem. I end up contacting Citibank Ethic Department spoke with XXXX who picked up the case from XXXX told me the program is old school and the company are stuck in the old days. She told me to give her 15 days, she needs to pull & listen to all the calls, which is tome consuming, I didn't understand why she couldn't unblock or transfer me over to someone who could do it. I'm so XXXX off, I've seen on the website going far back as 2-3 years with the same thing that I'm going through in XXXX. I end up calling my cell phone provider told them about my concerns which XXXX changed my number immediately. I went online today XX/XX/XXXX  to bank in order to update the new number and called Citibank to let them know I changed my phone number of course that didn't work at all period. Every time I called ask for a supervisor it's the same old excuse either in a meeting and I'll one call you back or no supervisor is available, this has been 4 out of 7 days no supervisor is available. I told them my next step is getting a lawyer, it's stressing me bad. I would like results like yesterday and a sincere apology, update their systems to the 20th Century and more importantly retrain agents on how to talk to members when they call on the phone, BE PROFESSIONAL AT ALL TIMES.

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 2023-05-03
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: 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 following items XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/2022 XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXXXXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$4700.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-30
Company: Chime Financial Inc
State: FL
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
There is a banking app called " Chime '' that someone used my personal information to make their account. I can confirm they used their own phone number, but used my name and email. It is attached to their bank account and I get emails about payments and card declines regularly. Given this is fraud, and someone is using my identity- I've called Chime multiple times to have the account closed. They are either overseas and can not understand the request, or simply do not have the resources to investigate fraud of their own accounts. They have not helped me and do not know what to do so they hang up on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-26
Company: TRUIST FINANCIAL CORPORATION
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process
Sub-issue: Trying to communicate with the company to fix an issue while managing or servicing your loan

Complaint:
Di not apply payments. Although accepted payments of XX/XX/ XXXX  and 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 2023-05-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Fruad Accounts And Inquiries on Credit Report. 

XXXX. XXXX XXXX {$300.00} XXXX XXXX XXXX XXXX {$19000.00} XXXX. XXXX XXXX XXXX XXXX {$5200.00} XXXX. XXXX XXXX XXXX {$720.00} XXXX. XXXX XXXX XXXX {$1900.00} Inquiries XXXX. XXXX XXXXXXXX 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 2022-01-20
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I had my identity stolen and they are leaving fraudulent information 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 2023-09-30
Company: Nelnet, Inc.
State: TX
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 first reached out to Nelnet in XX/XX/2023 to figure out why the loan simulator calculator was saying my monthly payment would be $ XXXX with the XXXX plan but my XXXX application made it $ XXXX. The phone representative told me she was also getting $ XXXX so she escalated it to the XXXX XXXX  and I never heard back. So I emailed the XXXX XXXX  and they will not provide information on how its being calculated. I have emailed them XXXX more times since then and also sat on hold for XXXX hours twice since then. I have not been provided any help. There is a huge discrepancy in how payments are calculated

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I have been victimized by identity theft. The fraudulent Activity happened on XX/XX/2006 with a balance of {$12000.00}, which I did not make. I have filed this to the police and they advised me to submit a dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-05
Company: Exeter Finance Corp.
State: VA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I was called by Exeter finance on XX/XX/XXXX that my loan had matured and I had to pay it off on or before XX/XX/XXXX to prevent it from being delinquent. I asked if they could extend it another month but was told that they can not and that it will build interest if I dont pay. I asked if it would be reported on my credit and I was told no. The representative told me that after 75 days it will be reported on my credit and the car will be repossessed. 
I again called after two days and was told by another representative that I had to pay it on or before XX/XX/XXXX or it will be late. I had to come up with {$8700.00} to pay the car off. I paid it off XX/XX/XXXX at XXXX. Exeter finance still reported my account as late to the credit bureau. All the conversations were recorded. This company cheats its customers. Their goal is to cheat and ruin peoples credit. They have incorrectly reported on my credit and my score has taken a hit. Please investigate them and put them out of business if possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-26
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting 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 NEED THESE ACCOUNTS AND THESE INQUIRIES DELETED SINCE YOU HAVE TO SEE THAT THEY HAVE INCORRECT INFORMATION. 

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 The persoanl information is incorrect, The personal data reporting is inaccurate. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief