BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-08-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
XX/XX/XXXX- Phone call to TransUnion to have unauthorized inquiries removed after informing them that I was a victim of their inquiry problem. Representative stated that she 's unable to help. XX/XX/XXXX Phone call to TransUnion to have unauthorized inquiries removed agains stating that I am a victim of their inquiry problem. Representative stated that he 's unable to help.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-23
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: Information belongs to someone else

Complaint:
I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted multiple FTC reports regarding the accounts that do not belong to me. 
These companies have refused to work on disputes even though they are required by law to do so. 

I've also called on multiple occasions regarding the negative items that are reported on my credit report. These accounts are not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I want to freeze my credit due to the recently reported hack which exposed my information to hackers months ago. XXXX will not freeze my report without charging me a fee. 

A freeze really needs to be free, since I did n't authorize them to either collect the information nor to distribute it to its customers. They are unconscionably trying to make money off the failure of their industry to protect consumers! I am appalled. 

Transunion is requiring that I sign away my rights in order to get the credit freeze. This is unfair as I have no other option other than freezing it through 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 2020-12-10
Company: DISCOVER BANK
State: PR
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I have being trying to get a credit card since XXXX and they always decline me. I am a XXXX XXXX XXXX in Puerto Rico and also have a XXXX XXXX. I dont have debt and the companies are always denied me. I feel is something that is so frustrating because I want to build credit but the company doesnt give me the opportunity.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-10
Company: HUNTINGTON NATIONAL BANK, THE
State: KY
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Can't stop withdrawals from your account

Complaint:
I put through a stop payment on withdrawals from my checking account in XX/XX/XXXX. The stop payment was on monthly electronic withdrawals from XXXX XXXX. Huntington Bank returned the XX/XX/XXXX payment. However, in XX/XX/XXXX the Bank did not catch the stop payment and put it through charging my account the {$68.00}. When I called Customer Service, I was told that because the electronic debit had a date behind the name, the Bank did not recognize this as the stop payment. XXXX XXXX always puts a date behind their name and it was not a problem in XX/XX/XXXX when it was stopped. All of a sudden it became a problem for the bank to catch it. Customer Service also kept referring to a paper check rather than an electronic debit which is how I had indicated the stop payment. Nothing had ever been said about a paper check.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-08-09
Company: Experian Information Solutions Inc.
State: NY
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I am currently in the process of attempting to get a mortgage. My mortgage was originally derailed in XX/XX/XXXX when an account for a collection from XXXX XXXX XXXX showed up on my credit report, which tanked my score. This account was reported to my credit without the collections agency ever contacting me via phone or at my current address. I called the collections agency to clear this up, the agency admitted that they were in the wrong, and they agreed to delete the account from my credit report. This was on XX/XX/XXXX. I have made multiple follow-up calls to the credit reporting agency to inform them that the account is still on my credit report. They assured me they sent the deletion notice ... once on XX/XX/XXXX and again in XX/XX/XXXX. Still, the account remains on my credit. I contacted Experian to resolve this over the phone after the collections agency sent me a letter confirming the deletion. Experian said that in order to even look into the issue, I would have to file a formal " dispute. '' I explained that I could not do that as it would further delay my getting a mortgage because the dispute process can take up to 30 days and that the bank will NOT issue a mortgage with an open dispute on my credit report. Experian 's representatives and supervisor subsequently refused to do anything about the issue, saying I would have to file a dispute. This is despite my offering to furnish the letter from the credit reporting agency, or to join in a conference call with the agency to confirm deletion of the item. Experian wants me to engage in a dispute process that could take 30 days and will further delay the mortgage, after their error, and the error of the credit reporting agency. I want this account OFF my credit report NOW or I want damages for the full value of the mortgage, rental incomes into perpetuity, and damages for intentional infliction of emotional distress.

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 2020-09-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 submitted a dispute letter because their was inaccurate information reporting on my credit on XX/XX/2020. I then sent out another certified letter due to the bureau 's failure to respond to my dispute on XX/XX/2020. I still haven't received a response and it is well over the 30 days allowed for re-investigation. It has now been over 60 days, This is a direct violation of my rights given by the laws in the fair credit reporting act.

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 2020-09-04
Company: Experian Information Solutions 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:
XXXX  and Experian are fraudulent on my following accounts : XXXX  XXXX  is fraudulent on my credit Account # XXXX XXXX  XXXX  is fraudulent on my credit Account # XXXX XXXX  XXXX  is fraudulent on my credit Account # XXXX XXXX/XXXX  is fraudulent on my credit Account # XXXX XXXX  XXXX  is fraudulent on my credit Account # XXXX XXXX  XXXX  is fraudulent on my credit Account # XXXX XXXX XXXX  XXXX is fraudulent on my credit Account # XXXX XXXX  is fraudulent on my credit Account # XXXX XXXX/XXXX  XXXX is fraudulent on my credit Account # XXXX XXXX  XXXX XXXX is fraudulent on my credit Account # XXXX XXXX XXXX XXXX  XXXX  is fraudulent on my credit Account # 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 2019-03-04
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 status incorrect

Complaint:
I paid the account balance in full and shows placed for collection

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 2020-12-10
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: Was not notified of investigation status or results

Complaint:
I have filed a dispute in regards to the incorrect items on my credit report. It has been over 30 days and I have not received any investigation results.

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 2020-12-10
Company: CAPITAL ONE FINANCIAL CORPORATION
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 status incorrect

Complaint:
We were shut down due to covid, we are a XXXX. 
Capital One offered us a deferred payment option. 
We accepted it and let them know we were shut down due to covid and we are unable to make payments until it's over. 
They accepted it, and said we were in the program. 
2 months later, we got late payment notices, and they said that we owe them the minimum payment despite saying we didn't have to pay it. 
I told them we couldn't as we're shut down, the said they would defer the others, but we can't use the card and we are still getting charged fees and if we wanted it removed, then we need to pay. 
So we sought to find money to pay it, meanwhile Capital One reported us to the credit reporting agencies even though they knew we're shut down to covid. So we contacted them, and they said we can only get it off our record if we pay the past due fees despite the Covid issues. We were forced to find outside money and pay, and they said they'd remove it from the credit reports. Then, after we paid the fees they are now refusing to remove from the bad reporting. 
It has now been 6 months and 45 phone calls to them. Each time a representative acknowledges and apologizes and says they'll fix it. Then some mean person calls and says they won't fix it. It's a simple error rfor them to fix.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-08-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
Transunion deleted XXXX XXXX and they two weeks later added back to the credit file, this a clear violation of the FRCA and FDCPA!

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 2020-12-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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 CREDIT BUREAUS REFUSE TO HELP ME ON THE PHONE OR RESPOND TO MY MAIL!! IT HAS BEEN 9 MONTHS!! PLEASE HELP REMOVE THESE NOW!! 


XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX VIA XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX VIA XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX VIA XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX 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 explanation
Consumer complaint received 2022-10-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
15 U.S.C 1681 section 602 A. States I have the right to privacy. 

Accounts in violation : XXXX XXXX XXXX  Acct # XXXX XXXX XXXX Acct # XXXX XXXX XXXX Acct # XXXX XXXX XXXX Acct XXXX XXXX Bank XXXX XXXX Acct # XXXX 15 U.S.C 1681 section 602 A Section XXXX : It also states a consumer reporting agency can not furnish an account without my written instructions. 

15 U.S.C. 1692C Without the prior consent of the consumergiven directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any 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 non-monetary relief
Consumer complaint received 2020-12-10
Company: Chime Financial Inc
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
On XXXX XXXX I received an email from support at chime bank indicating that I needed to provide proof of identity and address in regards to my checking account and credit account I have held with them for a year. The balance on XXXX XXXX in my chime checking account was {$73000.00} and in my credit account the balance was {$7500.00}. My account with them was suspended with no prior notice or explanation. I have no access to my money or to any of my funds. I provided the necessary documents immediately and my account is still suspended. I have direct deposit from my employer that was due to be deposited on XXXX XXXX and that deposit was rejected due to the account being suspended. Again without any explanation or further notice. I contacted customer service on XX/XX/2020 and was told that my account would be reinstated immediately after the documents were provided that they needed. I received an email from support at XXXX XXXX on the same day XX/XX/2020 that my documents were received. I still have no access to my account. Upon further investigation I have found numerous complaints from numerous sources that chime bank has done this quite often to many people. This matter has yet to be resolved and my funds are still unavailable. When I try to log into my account it says that my account has been suspended and to contact customer support. I have. Without any results.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-10
Company: Experian Information Solutions 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:
AFTER CAREFULLY REVIEWING MY CREDIT FILE I CAME ACROSS SOME DEROGATORY ACCOUNTS AND AN ENTRY IDENTIFIED AS INQUIRY THAT WAS PLACED ON MY CREDIT FILE. I HAVE NO KNOWLEDGE OF THE ACCOUNTS AND INQUIRY. THE ACCOUNT AND INQUIRY HAS NO CONNECTION WITH ANY TRANSACTIONS THAT WAS MADE BY ME. I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND INQUIRY SO THAT THEY CAN BE REMOVED OFF OF MY CREDIT FILE AS SOON AS POSSIBLE. I WOULD GREATLY APPRECIATE YOUR ASSISTANCE IN RESOLVING THIS MATTER.

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 2020-10-15
Company: Tribal Lending Enterprise, Inc.
State: AK
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
I went to a website about loans and somehow it was directed to this one, a couple months later {$1200.00} was in my bank account from them. I thought ok Ill pay it back easily. Now they want 18 payments of {$270.00} a month with an interest rate of 542.96 %. How can this be legal. I called them, they were No help on the phone and every day they are charging me {$20.00}

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 explanation
Consumer complaint received 2020-12-10
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:
AFTER CAREFULLY REVIEWING MY CREDIT FILE I CAME ACROSS SOME DEROGATORY ACCOUNTS AND AN ENTRY IDENTIFIED AS INQUIRY THAT WAS PLACED ON MY CREDIT FILE. I HAVE NO KNOWLEDGE OF THE ACCOUNTS AND INQUIRY. THE ACCOUNT AND INQUIRY HAS NO CONNECTION WITH ANY TRANSACTIONS THAT WAS MADE BY ME. I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND INQUIRY SO THAT THEY CAN BE REMOVED OFF OF MY CREDIT FILE AS SOON AS POSSIBLE. I WOULD GREATLY APPRECIATE YOUR ASSISTANCE IN RESOLVING THIS MATTER.

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 2020-12-10
Company: EQUIFAX, 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:
I HAVE HAD A CHANCE TO CAREFULLY REVIEW MY CREDIT FILE AND I CAME ACROSS SOME DEROGATORY ACCOUNTS THAT IS REPORTING ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE ACCOUNTS HAVE NOT BEEN AUTHORIZED BY ME. THE ACCOUNTS DO NOT BELONG TO ME AND IS NOT AFFILIATED WITH ANY TRANSACTIONS THAT HAVE BEEN MADE BY ME. I AM ASKING THAT YOU PLEASE LOOK INTO THIS MATTER AND RESOLVE THIS ISSUE BY REMOVING THE DEROGATORY ACCOUNTS OFF OF MY CREDIT FILE AS SOON AS POSSIBLE.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-04
Company: U.S. BANCORP
State: OH
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting a working replacement card

Complaint:
On XX/XX/2020 at XXXX XXXX  I called Relicard Customer service to order a replacement card. The duration of this call from start to finish was 6 minutes and 58 seconds. The representative I spoke to gave me the option of priority shipping at the cost of {$15.00} that would be deducted from my card. I choose this option. The representative then advised me to callback Friday morning for a tracking number to track the shipping of my new card that will arrive on Friday. She explained it was important to callback for this tracking number, so I was aware of the time it would arrive since a signature was required upon arrival. 
XXXX XX/XX/2020 at XXXX XXXX  I was on hold for approximately 1 hour and 41 minutes. ( Total call duration was 1 hour and 49 minutes ) The representative I spoke to was at first unable to find my current account information. This representative was extremely unprofessional. After she was able to access my account information she advised my card would arrive in 7-10 business days. I then tried to explain what I was advised on XX/XX/XXXX, and tried to get an explanation to why priority shipping was not applied. She then repeated herself, very impatiently that the card would arrive in 7-10 business days. I then asked for the representatives name that I spoke to on XX/XX/XXXX. After a brief hold she advised there were only initials in the file, no name provided. This representative then repeated the time frame within the card will be received and asked if I had anymore questions. I said yes, can you see if the charge of {$15.00} was applied for the priority shipping. She then repeated again, the time frame in which the card will arrive was 7-10 bussiness days. At this point I am begging her not to hang up, as you can hear in the recorded call she wants to end this conversation. I wanted to speak to a supervisor at this time. The representative then hung up on me abruptly. I have never dealt with someone so unprofessional in a customer service department. I am extremely disappointed in the lack of service 's provided by both representatives. The representative on XX/XX/XXXX was very unhelpful, inpatient and just quite rude. I am considering opening another account with a different bank and receiving direct deposits for my unemployment, just to avoid dealing with a Relicard representatives again.

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 2022-10-06
Company: Experian Information Solutions Inc.
State: PA
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:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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