BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-08-13
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: Public record information inaccurate

Complaint:
ALL 3 " CRA '' CONTINUE TO REPORT SERIOUS ERROR OF FRAUD ACCOUNT/ PUBLIC RECORDS CH XXXX BANKRUPTCY ... NOT MY 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 2021-10-06
Company: TRANSWORLD SYSTEMS INC
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Customer Service UNIVERSITY ACCOUNTING SERVICE , LLC XXXX XXXX XXXX XXXX, WI XXXX Phone : XXXX Fax : XXXX Office Hours : Monday-Friday XXXX to XXXX XXXX  Central Time Email : XXXX XXXX XXXXXXXX I would like to file a complaint on UAS, the loan servicer for XXXX XXXX XXXX XXXX. I have two private student loan accounts with them. 

I have contacted UAS  and XXXX multiple times regarding forbearance, I lost my employment due to covid19 on XXXX of 2020 and I am also XXXX. In the last year and a half I have been given missinformation regarding my account, I have been advised that my loans are in forbearance while reporting to the credit bureaus that I am past due and heavily impacting my credit score and my ability to retain housing and transportation services due to the credit score being incorrect. 

UAS has single-handedly dropped my score over 100 points in the last year. I have filed disputes with the company, credit reporting agencies and UAS is continuing to advise me that my loan is in forbearance while marking my account overdue instead. Each time I contact them there is a different reason why and each time it takes over 3 months to resolve, while they advise me to wait they are also reporting incorrect information on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-27
Company: Chime Financial Inc
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I began receiving emails from Chime on XX/XX/XXXX notifying me that I had opened a debit card with them, and had made a purchase. I never opened a Chime account and certainly did not make a purchase ( which apparently was done in Texas, a state I have not visited in years ). I wrote to them to say that this was a fraudulent account and that they should close the account and flag it to prevent anything further being opened in my name. After I verified my identity, they wrote on XX/XX/XXXX to say that they were putting a " hold '' on the account and to follow up if I wanted the account closed. I had already requested multiple times that it be closed, but I responded and again requested that the account be closed. I have emailed three more times in the last week ( XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ) to make this request and they have simply ignored all of those requests ( plus the original requests prior to the " hold '' ). The lack of reply is clearly intentional since they responded quickly to my initial email reporting the fraud. From what I have learned about them, I suspect that they are refusing to close the account because it is part of their growth strategy/PR not to close accounts so they can claim huge customer growth. Either that or something worse??

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 XXXX Account XXXX - RETAIL # 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 XXXXXXXX has violated my rights.

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 1st 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 alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I submitted a letter to the 3 Credit Bureaus on XX/XX/2023, to update this erroneous information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again. 
XXXX XXXX  XXXX Balance : {$150.00} XXXX XXXX XXXX Balance : {$32000.00}

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 2023-01-25
Company: EQUIFAX, 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: Account status incorrect

Complaint:
This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong 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 2019-11-08
Company: Atlanticus Services Corporation
State: UT
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
Phone representative gave me misleading/wrong information about when I could pay my bill once my promotional rate expired in XXXX. I was advised that it would have until my next due date XX/XX/19 to pay off my balance before accruing interest since the promotion expired after my XXXX 's due date. I see my bill today when I was getting ready to pay my balance off, interest charges. I called 5 times today for almost two hours  on the phone with them and no one wanted to waive those interest charges due to wrong information provided by them. I just paid off my promotional rate balance today. They also processed a debit card payment today XX/XX/19 without my consent. Another poor business practices. They have no notes on my account so I the consumer pay the consequences. All I wanted is my interest charges waived since I paid off my balance but no one helped me. I closed my card today poor customer service.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-08
Company: CITIBANK, N.A.
State: OH
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
On XX/XX/XXXX I mailed a payment for $ XXXX was an official check from XXXX XXXX XXXX . Within the mailed payment I included my SSN, DOB and Name and last four of my account. As the online statement accessible to me did not provide my full account number. On XX/XX/XXXX the check was cashed by the payment processor for Macys Credit Card - Citi Bank.

I contacted Macy Credit Card Services to discuss the missing applied payment. I was told I would have to file a dispute. The gentleman avoided direct questions and was not comforting at all in regards to them losing nearly {$2000.00}. I was also told I would still need to pay the interest accrued as well as any late fee if I did not pay the XX/XX/XXXX payment. However, if they had processed my payment correctly then I would not need to pay again. He avoided response. 
He then stated it would take 21 days to resolve my complaint. I asked " Calendar Days or Business Days '' he stated on the recorded line " Calendar Days '' and then stated I needed to fax my card information and proof of the dispute. I do not have the account number and stated that to him. His response was you can " try and hopefully it works ''. 
I went ahead and faxed as I have no choice. This payment needs to reflect as I had to pay it off as a requirement to obtain my home loan. And we are now nearly a month with a missing funds. I sent the fax which I have included. And stated that 21 days for a payment dispute is unacceptable. 
Today I did a " chat '' to determine if Macys Credit Card Services received my dispute fax, with evidence that the item had been paid and the cashier check cashed. They responded back stated yes. And then stated it would take 2 billing cycles. Which is unacceptable.

After pushing back and discussing the that the initial call said 21 calendar days I was told they were misinformed as well as the initial person I filed a dispute through and that the dispute will take 21 BUSINESS Days. 

I have lost interest that I could of been paid on the XXXX. In addition I am being charged interest on the balance that they processed a payment on XX/XX/XXXX for. In addition on XX/XX/XXXX if not paid by then I will receive a late fee which is completely unacceptable. 

I mailed them the payment on XX/XX/XXXX. The received the funds of the cashier check ( official check ) on XX/XX/XXXX. It is XX/XX/XXXX and they have not provided me credit. They are still charging me interest. The have stalled my home purchase. They are now going to charge me a late fee. The customer service was poor, incorrect information given, and no clean and simple process provided.

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 2023-07-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
There is a XXXX XXXX - XXXX XXXX  showing up on my personal consumer report that does not belong to me

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 2021-02-27
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
For many months I did not realize or check my credit reports until one day I was called by one of the companies about a 'new card I had opened up '' To my surpise I didnt realize my identity was pretty much stolen and I was a victim of fraud. And later when I checked my credit report there were several inquiries I had not recognized!! 

The crazy thing is that I reported all of this months ago and the companies assured me they would be removed from my account but somehow the credit pull is still on my account after several months!! 

This is very ludacris I have to go to such extents to protect myself. This has hurt my chances of buying a house and I am tired of 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
Consumer complaint received 2020-09-22
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Confusing or misleading advertising or marketing

Complaint:
THIS IS A TOTAL FALSE ADVERTISEMENT/SCAM? TO GET CONSUMERS MONEY! 
I DID ALL THAT WAS REQUEST AND GOT NOTHING NO BOOST JUST RIPPED OFF INTO BUYING A dam membership. 
Not a good thing to be doing during a recession /crisis. They are using this scam to charge your credit and or debit card to purchase a credit bureau membership. 

Please make them stop this scam. Like I said I pay my XXXX  energy bill on my XXXX  XXXX card and like a XXXX fool I grant EXPERIAN access to my major credit card XXXX  XXXX for this boost scam. Got absolutely nothing no boost. I also contacted my XXXX    XXXX credit card company to report this scam. 
XXXX  XXXX, they are watching this credit bureau scam as well. I am not the first person reporting this to XXXX XXXX. XXXX XXXX informed me of this scam too informing me that other customers that have credit cards with XXXX  XXXX has also been reporting this to the credit card companies.

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 2023-07-26
Company: AMERICAN EXPRESS COMPANY
State: AZ
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:
We made our monthly payment as we always do to American Express through our XXXX online bill pay on XX/XX/2023. It was paid electronically and left our account on XX/XX/2023. AMEX never posted it to our account. Despite providing proof of payment including the amount, trace ID, date and transaction ID along with a bank statement, they have closed the case four different times claiming we have not provided any documentation. Two agents told us they could see the payment but couldn't prove it should go to our account because some of the identifying account numbers were missing ( we have always only included the last 6 digits as it is presented on the statement ). They have also admitted that they see it but it says my name ( the wife ) and not my husband 's name ( we are both on the account and the checking account of origin is also a joint account ). We have even had a three way call with a XXXX XXXX  supervisor confirming that it is a legit payment and still AMEX continues to deny the payment exists. All we are asking at this point is to have the payment returned to the bank of origin if they can't connect it to an account. It seems absolutely illegal to hang on to money and not attach it to anyone 's account. The amount in question is {$2400.00}. Not a small amount of money! We are out of options.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-10
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: Credit inquiries on your report that you don't recognize

Complaint:
When I went to the car dealership they told me they were going to only pull credit from XXXX XXXX. However, i have a bunch of inquiries on my report that i didn't authorize. Inquires not recognized : XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-17
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-06
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
Letters was sent to XXXX  and Experian credit bureau over 30 days ago and we receive no response from them.

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 2020-07-18
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: Information belongs to someone else

Complaint:
id theft victim. account that was charged off is not my account. already removed from XXXX  and transunion. 
XXXX  for {$3600.00} is not mine XXXX XXXX XXXX {$1900.00} not mine

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 2023-02-08
Company: TRUIST FINANCIAL CORPORATION
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with balance transfer

Complaint:
On XX/XX/2023 I initiated a balance transfer from a Truist Credi Card to a XXXX XXXX  Credit card through XXXX XXXX XXXX mobile site. On Truist 's website, I was not informed that balance transfers could take up to 30 days and that I would be responsible for the interest during that time. I had made a balance transfer before and never had that issue. This time the balance transfer showed up in my XXXX XXXX account on XX/XX/XXXX but has to date as of XX/XX/XXXX the transfer is still not reflected on my Truist account and I am being charged interest on an amount that I thought had already been transferred. In this 30-day transfer period ( that I was not informed of ) I am being charged interest by two different banks for the same money. How can it take 30 days on one side to process a transfer but it goes through right away on the other side? How is it legal that through this process I have two accounts showing the same balance and being charged interest on both accounts?

Presumably, this would also impact my credit as I am showing double the amount of debt.

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 2021-12-27
Company: Credit Technology, Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Fraud or scam

Complaint:
Since XX/XX/2020 This Company has done 4 hard inquiries a month on my credit report for over a year. The company is a mortgage company. I never applied with this mortgage company or given them my information. I never had affiliations with this company and do not know how they received my information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-23
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
I requested on XX/XX/2021 for an investigation on accounts that are on my credit report. After over 30 days their still has not been any written statement showing and proving the accounts on my credit report are accurate.

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