BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-17
Company: MOHELA
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:
The presence of a derogatory rating on my account is deeply concerning to me. I am worried about the impact it may have on my credit, as it has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the significant financial and emotional distress this negative rating has caused me and will continue to cause until it is resolved.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-14
Company: EQUIFAX, INC.
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: Information belongs to someone else

Complaint:
Someone has stolen my identity and using my ss # on the XXXX XXXX. First I want to state on my Equifax report there are several addresses for me in XXXX XXXX Nevada that aren't mine and neither have I ever lived there they are listed below XXXX XXXX XXXX XXXX Nevada XXXX XXXX XXXX XXXX XXXX Nevada XXXX XXXX XXXX XXXX XXXX Nevada XXXX XXXX XXXX XXXX XXXX Nevada XXXX XXXX XXXX XXXX XXXX Nevada XXXX XXXX XXXX XXXX XXXX XXXX XXXX Nevada I never resided at any of these addresses I live in XXXX, Al Also there are fraudulent accounts in my name that was open up in XXXX XXXX Nevada and again I reside in XXXX, Alabama These are the accounts please investigate these fraudulent accounts and remove and also see where my information. Was found in over 23 data breech I am uploading. Please remove these fraudulent accounts ASAP XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
A cell phone collection bill for {$79.00} happen to be incorrect and I never received a notice from collection company named XXXX XXXX. This dropped my score by 179 points, which I wasnt considered for a bank position due to this low score. 
In addition. XXXX XXXX credit card was paid and settled and continues to show a high balance. Ive tried submitting disputes to all 3 agencies. TransUnion, XXXX and XXXX. No help. My scores were in the low XXXX just a month ago and now in the XXXX range due to one incorrect collection and a XXXX credit card which was settled to XXXX  balance versus {$16000.00}. I need gainful employment and my score has been dramatically and unfairly reduced with my overall good payment status over the past couple of years. Please 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 2022-10-20
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:
I keep sending mail but I am not getting any responses so I decided to file this complaint. My name is XXXX XXXX XXXX and I am the one filing this complaint not some company or not any other third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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 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 2021-09-14
Company: Chime Financial Inc
State: DE
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
On XX/XX/2021 I used my card ending in XXXX to buy sneakers from XXXX that cost {$140.00}. Once I returned them I then requested XXXX to start a return and they did. I dropped the sneakers off at XXXX and got a return receipt. I then was told my {$140.00} would be issued back to my Chime card ending in XXXX. Because of this not being refunded when I thought it would I filed a dispute. Chime denied my dispute ( XXXX ) and representative stated if I had new evidence they would file a rebuttal. I then provided them with my XXXX  return receipt as well as adidas updated status stating my funds were returned back to my card ending in XXXX. However the next day they denied my rebuttal stating no error occurred. I then contacted XXXX via chat and they informed me that they tried sending my funds back twice to my card ending in XXXX and chime denied my refund. They stated I needed to contact chime, which I did and it was on Thursday XX/XX/2021 @ XXXX where I spoke with chime rep XXXX and XXXX representative and he informed the chime rep that they tried to process the refund twice back to me and it kept being blocked. The chime rep had no response. He also stated he would escalate this and gave me incident number XXXX. On XX/XX/2021 @ XXXX est I called the dispute department and the rep stated he saw my claim was still denied even with the supporting evidence that shows I indeed sent the merchandise back and was told by the merchant my funds were sent back to my card. This has been overwhelming and I would like my funds to be issued back to me as well as an apology from Chime

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-11
Company: National Credit Systems,Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In XX/XX/2019, I submitted to all 3 credit bureaus to remove a collection in the amount of {$2000.00}. This collection is not mine. I do not owe this debt. I do not know who this creditor is, and after months of trying to remove through mailing out dispute letters, this continues to be on my report. On my reports that I recently ordered, it shows the name as " National Credit Systems. '' I have no knowledge of what this debt is in relation to, and am asking that it be removed because this does NOT belong to me. I was also informed by the credit bureaus that my data was breached in all 3 bureaus. XXXX  I believe recently removed it about 1 to 2 months ago. However, XXXX  and XXXX  still have this debt on my reports. This has caused me issues in being able to acquire new credit and a suitable apartment to move into. I have been homeless for years and this debt has caused me to lose many opportunities with finding a new home, and has impacted my job search in the past as well. Please have this removed asap from all bureaus. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16
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:
Hi I am submitting this XXXX XXXX without any influence and this is not a third party. TransUnion 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 719transunion has me at a score around 590. That is a huge difference. transunion 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 transunion 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 Transunion. 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 Transunion more than 21 times. transunion 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 XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE.

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 2019-04-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT
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:
XXXX and Transunion are reporting an incorrect coding of the XXXX partial account number XXXX. This account is being coded as an M5 when actually this needs to be coded as an M1. ( Please see pages 11 and 12 of the attached credit report. ) This account reflects a {$0.00} balance and {$0.00} past due. This incorrect coding is harming my credit score and is a violation of the Fair Credit Reporting Act.. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.

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 2017-11-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Personal information incorrect

Complaint:
WRONG PHONE NUMBERS I have only 2 numbers XXXX XXXX XXXX XXXX no other numbers or cell or home phone numbers in my name all these other number on file do n't belong to me and I want proof from the credit bureaus of such phone numbers in my name.

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 2022-10-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX XXXX XXXXXXXX, XXXX XXXX XXXXXXXX, XXXX XXXXXXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX, and XXXX XXXX XXXX have violated my rights.

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

15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

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 2021-11-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
My name is XXXX XXXX XXXX and I am filing this complaint against Capital One on my own behalf, as a Natural Person and Federally Protected Consumer, without any connection or involvement with a third party. On XX/XX/2021, I submitted a validation of debt letter asking Capital One to provide the following information within XXXX days : * The name and address of the creditor to whom the debt is currently owed, the account number used by that creditor, and the amount owed. * An explanation showing me how you have computed the amount. * Copies of any documents that prove I agreed to pay the alleged amount * The identity of the original creditor * Confirmation that the account has not crossed the statute of limitation ( SOL ) period I informed them that if they were unable to provide the above information within the XXXX  day period then the account information must be completely deleted from my credit report, and a copy of such deletion request should be sent to me at once, or I will take legal action and consider them in breach of the Fair Reporting Credit Act ( F.C.R.A. ) and the F.D.C.P.A.. I have attached the letter I sent ( exhibit A ) with the certified mail receipt ( exhibit B ) confirming they did receive my letter. 

I also filed an identity theft report that is attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-11
Company: CMRE Financial Services, Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
CMRE was asked to verify collection accounts that they were reporting on my credit report. I was trying to validate if the debt was correct and if it should be included in my bankruptcy which was already discharged. When I requested validation they sent ALL my medical records attached to each of the reported debts as validation of debt. This is a clear violation of my HIPPA rights as I NEVER signed a HIPPA release form allowing any third party collection agency to have access to my medical records. As a violation of HIPPA they are required to stop reporting this debt. They have not and continue to send me copies of my personal medical records. I told CRME that they were violating my HIPPA rights and that I wanted they to stop reporting debt or I would sue. They followed up by sending additional HIPPA violation data in an attempt to validate debt. Debt that may or may not be included in discharged bankruptcy.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I certified letters to both the debt collectors and TransUnion requesting that they send me the original statement or ledger with my information so I could verify the account thats been negatively affecting my credit report. I am covered by my employer at 100 % all coinsurances with XXXX  deductibles XXXX copays same medical insurance no lapse 5 years straight. The collection agency stated they bought this from another debt company and they were not able to get anything. They instructed me that TransUnion will remove immediately from my file as soon as update comes I would see the count removed by their request. TransUnion took over 30 days on investigation of this account and NEVER PROVIDED ONE PAPER OR PROOF OF THIS ACCOUNT. I want this moved immediately to protect my rights. I have asked TransUnion for proof 6 times every month. They have provided me with nothing but verified as is after 60 days of investigating. I have medical coverage and provided TransUnion with proof and they are not going by protocol or law

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 2021-11-19
Company: DISCOVER BANK
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
Discover Card is treating me horrible and discriminating against me because I have a XXXX  XXXX and making me pay for charges that are not mine. Someone changed my account information as well and Discover is blaming me for it. I don't appreciate being treated unfairly due to my XXXX and having to pay an amount that I can't afford and I'm not paying it Any longer I didn't charge up over XXXX XXXX dollars. Discover needs to be held responsible for their actions and stop treating me different do to my XXXX it's against the law and not allowed. They need to clear these charges before I file a report for discrimination. Discover should refund me the XXXX that some fake employee stole from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting 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 accordance with the Fair Credit Reporting act 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 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a 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 2023-06-20
Company: SANTANDER HOLDINGS USA, INC.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Identity theft protection or other monitoring services
Sub-issue: Problem with product or service terms changing

Complaint:
From XX/XX/2023 to current, Theft of XXXX from savings account was reported, bank refused to put thru to fraud dept, refused to investigate, refused to audit per multiple requests. Bank lowered credit by XXXX on existing credit card, refused to correct fraudulent charges despite multiple requests. Spoke with XXXX XXXX RI XXXX XXXX XXXX after denial of purchase. Received harassment call from XXXX XXXX which calls frim multiple numbers, i owe nothing to them. 
Id theft reported for yrs and mortgage realestate fraud reported for yrs with regards to several properties on federal and state level. XXXX XXXX sjould cease to contact me, Santander Bank told me a credit decrease occured without notification nor would provide a date of credit examination because there is non. Santander Bank branches XXXX and XXXX XXXX have been informed of fraudulent activities, did nothing related to the banks involvement with my deceased spouses Assets within that bank which were stolen.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of these items. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit.

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 2021-11-19
Company: Chime Financial Inc
State: TN
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unexpected or other fees

Complaint:
Im a member of Chime banking. I have their app which I use often and they are a scam now with atm fees by having a in network atm and out of nowhere changing it with no warning and adding a fee for out of network. There has to be regulation for that or anyone can do it and set people up for a large amount of fees. There should be a law requiring they update changes so people do not use what is once a in network atm and avoid fees. They changed it out of nowhere and I got a fee they refuse to do anything with. Its their fault they fail to notify people of changes and it was one I used often and not even weeks from when a charge was applied. Unexpectedly changing in network atms is not acceptable and is a scheme that must be addressed. Otherwise I and others can open processors like them and get away with wracking up the same kinds of fees changing it out of nowhere in people. Something better be done about their scheme. It is unacceptable and will not be tolerated stealing money like that.

Company response to consumer: Closed with explanation