BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of items in my credit report. As of todays date, the Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

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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 2019-06-05
Company: Experian Information Solutions Inc.
State: MO
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:
It's been several years and I am having difficulty getting an item cleared up on my Credit Reports from XXXX XXXX XXXX. I have made several requests to all three credit bureaus as well as contacted XXXX XXXX XXXX responsible for reporting the charged off debt. All three bureaus indicate that they have verified that the information contained on the credit report is accurate and to follow up with the original creditor. Unfortunately, the original creditor has ceased operations and directed me to contact the new loan service provider. The new loan service provider does not have any information pertaining to the account in question and is unable to resolve the matter. Therefore, I am unable to secure credit that I'm seeking due to this issue.

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 2019-06-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
It's been several years and I am having difficulty getting an item cleared up on my Credit Reports from XXXX XXXX XXXX. I have made several requests to all three credit bureaus as well as contacted XXXX XXXX XXXX responsible for reporting the charged off debt. All three bureaus indicate that they have verified that the information contained on the credit report is accurate and to follow up with the original creditor. Unfortunately, the original creditor has ceased operations and directed me to contact the new loan service provider. The new loan service provider does not have any information pertaining to the account in question and is unable to resolve the matter. Therefore, I am unable to secure credit that I'm seeking due to this issue.

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 2023-08-02
Company: Chime Financial Inc
State: CO
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/XXXX, my cell phone was stolen from me. The party that stole my phone was able to bypass the security that I had in place on my phone, and used my Chime account to transfer themselves {$4800.00} in three separate transaction in XXXX minutes ( 2 to a XXXX XXXX XXXX for XXXX and XXXX dollars, and another to a XXXX XXXX XXXX for XXXX dollars ). This is felony theft by Colorado law. 

As soon as I realized that the theft had a occurred, I contacted Chime to report the theft. They mailed me a new debit and credit card, and opened disputes on the transfer. I let them know that I would send them a copy of my police report, as well as a receipt for the new phone that I had to order through my insurance. Less than XXXX hours later, Chime closed the dispute and said it did not have merit without allowing me time to even send a police report to them. 

I had to call them to reopen the dispute, and on XX/XX/XXXX, they reopened it. On the XXXX, I emailed them copies of my XXXX claim for my phone proving I had to order a new device and filed a theft claim. The police finally called me to collect my report on XX/XX/XXXX as well,. I requested a copy of the report as soon as it was available, which I sent to them on the XXXX via email. On XX/XX/XXXX, they finally issued a provisional credit to my account in the amount XXXX dollars. Finally, on XX/XX/XXXX ( today ), they sent me an email informing me that the credit would be revoked and that they found there was 'no error '. 

I have provided ample proof that the transfers were theft. I filed a police report, I sent them proof that I had to order a new phone, I changed my chime password, and moved my account to a different device, I've never sent money to those people before ( in the 4 years that I've had an account, I've only ever sent money to my partner through their transfer service ) and have never sent anyone that amount of money at a time. One of the payments was for 'car down payment ', and I do not own a car. The other payment was for 'rent ', but I had already paid my rent and it was more than twice the amount that I pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-14
Company: HUNTINGTON NATIONAL BANK, THE
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I made a deposit on XX/XX/XXXX and the bank accepted it the next day my account was closed and my deposit unaccounted for by the bank. I spoke to the branch they confirmed my account was closed however my deposit will be processed. however according to costumer service there is no record of any deposit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-02
Company: FIRST FINANCIAL BANCORP
State: OH
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
I made a payment to my second mortgage account at First First Financial Bank  on XX/XX/2020. That payment was due on the XXXX of XXXX. The teller who took the payment did not apply the payment to my account. 

I noticed the error when I received the next months statement. I sent a notice of error letter to First Financial Bank, to the address listed on the back of the statement, and I requested they correct the error to include correcting the interest charged. 

I received a letter from First Financial dated XX/XX/2020 stating they had " addressed '' my concerns regarding the account. 

When I received my XXXX statement I noticed they not corrected the interest charge. Rather than reducing the interest they more than doubled what I should have paid. 

I have had numerous problems with this bank. I hope that by filing this complaint I can not only resolve this issue but also warn other consumers about how absolutely corrupt this bank is.

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 2019-06-05
Company: EQUIFAX, INC.
State: MA
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:
Equifax is the worse when it comes to reporting, to my surprise, as I look thru my credit file I saw all of the account that were discharged in a bankruptcy do not say discharged in bankruptcy and now they are counting one of the accounts late payments which is affecting me even worse, I do not owe those debts any longer and they have them listed like I do. They took these accounts out of the bankruptcy and thats ilegal to do. I will be contacting the attorney generals office today and I will also file a small claims suit against Equifax if this bankruptcy is not deleted at once, this might be a game to this company but not me, I hope I see this come off my credit file in 10 business days or I will not hesitate to continue my quest for justice. I will also place a complaint to the bbb or better business bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-18
Company: Regional Management Corporation
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Please see the attached letter regarding the account that is not mine due to identity theft. I have filed all of the necessary forms including the FTC online form and affidavit. This is all equivalent to a police report as well. This is my second request to you to remove these fraudulent accounts from all three of the credit bureaus before I take legal action. Send the validation of these accounts as well with your response back to this complaint. I want the account name, account balance, past due amount, and date of last activity verified and provided to me as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-15
Company: EQUIFAX, INC.
State: IL
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX : # XXXX, XXXX XXXX XXXX : # XXXX, OK XXXX XXXX XXXX : # XXXXXXXX XXXX XXXXXXXX XXXX : # XXXX, XXXX XXXX : # XXXX, XXXX XXXXXXXX XXXX : # XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 
15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-25
Company: EQUIFAX, 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 submitted a letter to the 3 Credit Bureaus to discard this suspicious 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. I need these accounts to be deleted immediately : 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 response to consumer: Closed with explanation
Consumer complaint received 2023-04-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am writing to request that you correct errors in my credit report. On XX/XX/XXXX, I contacted Transunion about incorrect information on my credit report, but to date, I have not received any response. 

Firstly, I require that you verify the XXXX XXXX account ( Date Opened : XX/XX/XXXX, Balance : {$7800.00} ) due to incorrect reporting. I am uncertain about the accuracy of the balance you report for this account, as I do not recall owing such a high amount. Furthermore, your agency presented this account as closed and charged-off, so the Past Due amount is not supposed to be provided for this account. I will be contacting the creditor to clarify this matter. In the meantime, please mark this account as disputed to prevent it from negatively impacting my credit score. Additionally, I request that you verify the Date Opened, Date of Status, and First Reported for this account. 

Secondly, I require that you verify the account identified aXXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX, Balance : {$990.00} ) due to incorrect reporting. The balance you report for this account is inaccurate, and I believe it should be a lower amount. Moreover, the Past Due amount should not be presented by you, as this account is closed and charged-off. Please mark this account as disputed while I resolve my dispute with the creditor. I also request that you verify the Date Opened, Date of Status, and First Reported. 

Thirdly, I require that you examine the account XXXX  ( Date Opened : XX/XX/XXXX, Balance : {$1900.00} ) due to incorrect reporting. The Balance of {$1900.00} that you report seems to be higher than what I remember. Additionally, your agency presented this account as closed, so the Past Due amount is not supposed to be provided for this account. I plan to address this matter directly with the creditor, but I need your agency to report the account as disputed while I seek a resolution. 

Finally, I would like to bring to your attention that the following accounts are not mine and request that you remove them from my credit report : COLLECTION ( Date Opened : XX/XX/XXXX, Balance : {$110.00} ), COLLECTION ( Date Opened : XX/XX/XXXX, Balance : {$1400.00} ), and COLLECTION ( Date Opened : XX/XX/XXXX, Balance : {$360.00} ).

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 2019-06-05
Company: Google Compare Credit Cards Inc.
State: VA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
Credit card attached to Google Wallet : XXXX  XXXX XXXX XXXX Merchant : Google Wallet Virtual card : XXXX - XXXX Amount : {$1200.00} Date of refund : XX/XX/2016 A refund was issued by XXXX XXXX for amount of {$1200.00} through the XXXX XXXX  card associated with my Google wallet account. 
I have attempted to reach XXXX  XXXX XXXX, Google, XXXX and XXXX but unable to trace the money. 

XXXX have confirmed that the refund went through as they did not get a reject message. 

XXXX XXXX XXXX where I have a credit card have confirmed through printed statements that the money never reached my account. My credit card number had changed just before the refund but the bank assured me that my older card number was still linked to my account and any refunds will still reflect on my account. 

I also reached out to Google which is where XXXX posted the refund. They have been unable to locate the funds as well. My Google Wallet account at the time showed that it's linked to a virtual XXXX card which only Google has details on. They never confirmed if they checked with XXXX to see if the funds we actually received. I can provide email messages between me and Google if needed. 

I also contacted XXXX again and they recommended that I contact XXXX which I did. Unfortunately they were unable to provide any info on that virtual card as I do not own it. 

Therefore it appears to me that Google Wallet is the only missing link here and they are the ones who can be able to find out what actually happened in that transfer. I have attempted several times to reach Google but I always hit a brick wall. 

Please assist me in tracing this money. Let me know if you need more details.

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 2022-11-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
Hello I was traveling around the XXXX and I was using a credit card from XXXX bank which is an online bank based on the App on my XXXX which was great because it was not rejecting my transactions while I was traveling. Then I updated my payment bank option to make sure my payment is going through for min balance which is only {$40.00} but when I came back I found out the app didnt update my account with my new bank account number and payment was rejected and I called XXXX bank and manually updated my bank account and made a full payment {$5000.00} to creak my balance and they waved the fee because of that error but then their system reported me over my limits after I made full payment and After they reported me, all credit bureaus decreased my credit score and I contact XXXX and told them to fix this and contact transunion and file a dispute to get an updated balance which is {$0.00} with my XXXX bank Now XXXX used this credit score drop as an excuse and lowered my credit line from {$5500.00} to {$1000.00} and they are not even going to fix the damaged they made to my credit score but use it against my XXXX account and decreased my credit limit

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 2019-06-05
Company: The CBE Group, Inc.
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I have a collection from XXXX that has repeatedly appeared on my credit report. The original company, XXXX XXXX XXXX, failed to take my name off of a cable bill when I moved from Ohio to Pennsylvania in XX/XX/XXXX. This item has been bounced between CBE Group & XXXX XXXX in the last 3 years. I have contacted each company repeatedly to say 1 ) it is not my debt and to ask XXXX why they did not do their job and 2 ) to stop contacting me. CBE Group now calls my work number repeatedly ( XXXX pm XXXX, XXXX pm XXXX, XXXX pm XXXX, XXXX pm XX/XX/XXXX ( twice ), XXXX pm XX/XX/XXXX ( twice ), XXXX pm XX/XX/XXXX ( twice ), XXXX pm XX/XX/XXXX ( 3 times that day ). 

If CBE Group refuses to cease contacting me about this debt and does not remove it from my credit reports ( even though I have disputed multiple times ), I will have no choice but to take legal action due to them violating the Fair Debt Collection Practices Act ( FDCPA ). They need to contact XXXX ( or XXXX or XXXX or whatever they are called now ) and tell them that this debt is not collectible. I am not responsible for XXXX making a mistake and should not have my credit ruined due to poor record keeping.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-05
Company: Phoenix Financial Services LLC
State: MI
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
In late XX/XX/XXXX we received notice that we owed {$100.00} from XX/XX/XXXX that could be settled for about {$46.00}. I received another in XX/XX/XXXX which I returned with reasons of dispute. The bill did not include any detail such as total bill, amount approved by insurance company ( XXXX XXXX XXXX XXXX XXXX XXXX ) or amount paid by the insurance company. 

I then received a statement from them showing a charge of {$400.00} with the dates of service from XX/XX/XXXX to XX/XX/XXXX ( my birth date ). Another page showed a current balance of {$100.00}. 

I then called them to complain and I was asked if I had any intention of paying it. I responded no. The reason being that I was not billed for nearly six years. Had I been billed timely, if the charge was valid, I would have paid with my FSA card in pre-tax dollars. Due to the length of time between date of service and billing plus cryptic billing statement there is no way to determine validity of the charge. 

I have never received a bill until nearly six years later and then the bill is lacking in the normal information required to run through XXXX  of MI. It appears to have never been processed properly until it was discovered years later and sold off or turned over to XXXX XXXX XXXX XXXX, XXXX. who has hired Phoenix Financial Services to pursue it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-02
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: Account status incorrect

Complaint:
Reporting agency credit karma wont remove item that has been removed off another agency ( 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 2023-03-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XX/XX/2022 ; XXXX XX/XX/2022 ; XXXX XXXX XX/XX/2022 ; XXXX XX/XX/2022 ; XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/2022.

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