BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-06-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
TransUnion is reporting a XXXX XXXX account opened XX/XX/2016 that should be removed from my credit report but they refuse. Their website has not been working so and Ive waiting on hold for several days and each day it has been over 3 hours due to Covid-19. The information that XXXX XXXX reported was incorrect. XXXX and XXXX agreed that the account needed to be removed. Transunion is still reporting this inaccurate account on my credit report thus damaging my score. The account has been deleted with all other bureaus except this one. They are violating my consumer rights.

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 2023-11-29
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
On XXXX I received emails from U S. DEPT OF EDUCATION informing me that my XXXX XXXX CASES HAVE BEEN APPROVED. XXXX XXXX XXXXXXXX case lawsuit. Pursuant to the XXXX settlement the DEPARTMENT OF EDUCATION are to discharge all federal student loans. On XX/XX/2023 I received a letter directly from XXXX XXXX SERVICES VERIFYING THAT THEY HAVE 100 % XXXX MY LOANS. MY ACCOUNT # IS XXXX. 
PLEASE CALL XXXX. 
VERIFY THE ABOVE INFORMATION AND FOLLOW THE LAW AND DELETE ALL STUDENT LOANS FROM MY CREDIT FILE

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-28
Company: ENCORE CAPITAL GROUP INC.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Midland credit management is not licensed to collect debt in the state of GA per XXXX. I would like them to stop contacting me and remove the account from my credit report. This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which is prohibited. they furbished thus account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I didn't not participate in any of it. More so, they didn't follow the proper 5 step validation procedure which makes this unfair practices. According to the FDCPA I am entitled to {$1000.00} per violation and Cleary they violated my rights.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-25
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: Information belongs to someone else

Complaint:
I never heard of this company before. I do not owe these companies and didn't engage in any business transaction with them. I contacted Equifax and requested copies of contract or where I agreed to pay the accounts but they did not.. That tells me that this is some kind of computer generated verification an XXXX. Please get rid of the accounts as soon as possible and notify me when you do this so I can go ahead and apply for the things I need to apply for.. ( Original Creditor : ) XXXX, ( Original Creditor : ) XXXX, ( Original Creditor : ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-04
Company: ALLY FINANCIAL INC.
State: MD
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
There was an auto loan where the payments got behind after the loss of income, and the finance company Ally ( XXXX XXXX ) was to close the account refelecting the bankruptcy. However, they are still trying to collect illegally from me by reporting an active and open account with the creddit bureau. Everytime I disputed this issue they came back and stated the account is open and has a balance, but will not report the facts that it was chaged off and closed. In addition, they reported to the federal courts that they would be removing the accont from its portfolio and pipeline where the informationwould not harm me from restablishing my credit. I currently, have XXXX auto loans with XXXX and are aid ontie, and because of the fraudulent reporting it reflects that i have XXXX auto loans which is not factual. 
Ally has a group of people such as XXXX, and another person who do not understand request to speak to managers and supervisors i was transferred from XXXX to XXXX where the experience was very horrible and this group is a recovery team when theres nothing to recover. I am seeking relief and support from the company, also restitution for the improper reporting which has prevented the movement of federal clearance. The account is charged off, and vehicle was sold less than the requested reaffirmation agreement that was submitted to Ally by me to have a supporting repayment pan, they paid an attorney XXXX to keep me from paying the restructed affirmation plan as it was requested.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-11
Company: EQUIFAX, INC.
State: FL
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:
I have reported fraud on my credit report as there is a collection of {$390.00} on my account that is fraudulent. I have disputed this collection on all 3 credit bureaus multiple times along with the address associated with the account as it is not valid. This account has not been removed from my report. The fraudulent account that is being reported on my credit report is XXXX XXXX XXXX. I have not conducted any business with XXXX XXXX XXXX or XXXX XXXX. This account was opened on my report on XX/XX/2021. I would like to have this account removed from my credit report as it is fraud and possibly identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS
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 spoke with XXXX XXXX XXXX XXXX numerous times from XX/XX/XXXX - XX/XX/XXXX over an amount of {$170.00}. I was setup on auto-pay for the duration of the lease, and I was not notified my last payment would not be auto-paid. I did not receive any notice of owing a final payment until I started receiving collection calls at work. This was resolved in XX/XX/XXXX after I made the final payment. I was assured by XXXX XXXX XXXX XXXX this would not appear on my credit report after the dispute was settled. I am confused why my report shows I was delinquent on this account from XX/XX/XXXX - XX/XX/XXXX, because the timeline doesn't match up. They also agreed to contact the appropriate credit bureaus to remove this delinquency from my report after admitting there was some clear miscommunication on their end. XXXX XXXX XXXX sent a letter XX/XX/XXXX agreeing to correct my report to show paid with {$0.00} balance and no derogatory credit marks ( attached ). As of XX/XX/XXXX, my credit score dropped 70 points after filing this complaint. I also reached out to XXXX on XX/XX/XXXX to have the delinquent mark on my account removed as promised by XXXX, and this appears to still be an issue. My credit report shows no data ( ND ) from XX/XX/XXXX through XX/XX/XXXX, when the account was paid in full XX/XX/XXXX. This account is closed as of XX/XX/XXXX, and marked as delinquent causing undue stress and bringing rise to other financial issues within my household.

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 2019-07-25
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
Due to XXXX security breach My personal information an identity has been compromised and used open credit cards accounts and loans to obtain goods in my name I would like the fraudulent accounts in my name removed from my XXXX   credit due to XXXX security breach that took place on XX/XX/XXXX XXXX XXXX XXXX Amount XXXX Date opend XX/XX/XXXX 2018

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 2023-08-08
Company: AMERICAN EXPRESS COMPANY
State: FL
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:
I am familiar with The Card Act of 2009, in particular, Paragraph 164. " Prompt and fair crediting of payments, Section ( b ) APPLICATION OF PAYMENTS, '' which states that any amounts above the minimum payment must first be applied to the card balance bearing the highest rate of interest. American Express is attempting to circumvent this law by using the expression " Plan Fee '' rather than Interest Charges or Finance Charges so they can apply payment amounts above the minimum due towards balances with lower fees rather than the highest fee. Representatives at AMEX stated that " it's not interest, it's a plan fee, so the Card Act does not apply. '' Their disclosure, however, refers to a " Plan Fee '' as a " Fixed Finance Charge '' as found on page 1 of 4 of " Cardmember Agreement, Part 1 of 2, '' and the " Plan Fee '' calculation method ties it to the APR for the account. Presently I have six balances that have " Planned '' repayment schedules which carry a zero interest rate, and two plans that carry interest rates of more that 25 %. Today I tried to pay off one of these high interest rate plans early, and I was told my payment would first be applied to the plan balance with the lowest plan fee ( interest rate ) first. This is in direct violation of spirit and language of the Card Act of 2009. I have a credit card with American Express that has a set credit limit and it is revolving. There are balances which I am not paying and full, and as such I must pay extra money to AMEX above and beyond the principal amount that I charged on my card. That amount of money is based upon the APR set on my account. Whether AMEX chooses to call it " interest charges, '' " finance charges, " plan fees, '' or simply " widgets '' -- the NAME should be set aside and the character of and reason I am paying more money every month above the principal balance should be considered to conclude that the relationship is subject to the Card Act of 2009, binding the card issuer to apply payments according to the law : balances with higher interest rates first.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-19
Company: Square Inc
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
CashApp aka Square Inc closed my account with 0 notice with a balance of {$650.00}. They gave me an option to transfer monies into my bank account, so I did that. I went to the bank and pulled transaction notes and they reversed my {$650.00} And its no where to be found

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-19
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Hello, XXXX XXXX This is a reference to a dispute for account XXXX XXXX with FAIR COLLECTIONS & O. The original Creditor is XXXX XXXX  BY XXXX, an apartment leasing company, Situation : Hello, I applied for an apartment with XXXX  paying a {$75.00} application fee. I was told that I did not meet the income requirements for approval and that no charges were due. So I continued my search. 

I later received an email stating I was approved for the apartment with a guarantor and that a {$1000.00} charge was due ( deposit, admin fees, locks ) or the account will go to collections. I had no guarantor. 

I called the company and advised I was told that my application was denied so I began to search elsewhere. 

During my phone conversation, the agent demanded that I pay the security deposit and associated fees for the approval with the guarantor. Again, I had no guarantor. 

I asked why was the denial reversed and why did I suddenly have a {$1000.00} charge. I was told my application was approved if I could find someone to co-sign. I advised I did not have a guarantor, nor was a third partyguarantor associated with the application. I am a single woman. This was denied because I did meet the income requirements. 
The leasing agent became predatory, stating I owed {$1000.00} for approval with a guarantor. I told the company there was no guarantor however they stated I owed them money. 

Dispute : The company denied the application because I did not meet the income requirements. This company later fraudulently approved an application in which I did not qualify to collect {$1000.00}. I have not signed a lease, moved in, or shown any interest in leasing with this company after I was told I was denied and told no charges will be due. 

The company claims I owe the money because this application was changed from denied to approved if I can find a co-signer, which I did not have. 

Resolution : I am seeking a resolution to have this removed from my credit report. This application was denied due to my income, which means no fees were due and that I am not obligated to pay for a deposit, admin fees etc. 

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 explanation
Consumer complaint received 2022-09-13
Company: EQUIFAX, INC.
State: MS
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 this isn't any influence and this is not a third party. XXXX 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 719XXXX has me at a score around 590. That is a huge difference. XXXX 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 XXXX  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 XXXX. 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 XXXX more than 21 times. XXXX 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 im XXXX  now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-11
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX : Account # XXXX If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without in- curring an additional finance charge, such addi- tional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-19
Company: Chime Financial Inc
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I am facing homelessness due to Chime closing my account. I have sent all documents they asked for and have not received any insight on my funds. Im getting put out Thursday morning which is tomorrow!! I received writ of procession today and have 24 hours to move my things. I dont have money to do anything!! Me and my kids are homeless in this Texas heat!! Mind you I grew up in XXXX XXXX so I have no family to help!! I have XXXX and XXXX in savings. They also held on to my work deposit my job had to cancel and send me a check!! This had turned my life upside down. Chime does not care about people!!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-25
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: Information belongs to someone else

Complaint:
I never heard of this company before. I do not owe these companies and didn't engage in any business transaction with them. I contacted Equifax and XXXX and requested copies of contract or where I agreed to pay the accounts but they did not.. That tells me that this is some kind of computer generated verification an XXXX. Please get rid of the accounts as soon as possible and notify me when you do this so I can go ahead and apply for the things I need to apply for.. XXXX   XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXX XXXX   XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXX XXXX   XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX ,

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information is incorrect

Complaint:
I was putting applications through to find apartments and I was getting denied and spent a lot within rental fees, when it became difficult with these companies. I asked the credit bureau to freeze my account my credit and to update my correct information. Nothing was ever fixed.

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: Experian Information Solutions Inc.
State: GA
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 DISPUTED THIS FRAUDULENT INFORMATION REPORTING ON MY CRDEIT REPORTS THAT I DO NOT OWN. THE LAW SAYS IF DONT OWN THESE ACCOUNTS OR NEVER OPENED THEM THEY SHOULD BE REMOVED FROM MY CREDIT REPORTS.

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 2022-10-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
I authorized a third party to send a letter on my behalf to correct personal information on my credit consumer profile, and I provided a copy of my drivers license for proof of address along with a copy of my social security card for secondary proof of identification. Transunion responded by sending me a letter stating they did not believe I sent the letter or an authorized third party to send the letter. On XX/XX/2022, I spoke to 3 different representatives in attempt to verify that this had taken place with my authorization, I accurately answered all security questions that were asked of me to verify my identity. After verifying my identity I stated the the representatives, to please refer to the notice that was sent in act in good faith to ensure that my consumer profile only contains accurate, current, and complete information. Each representative began asking me questions about alleged inquires, and alleged accounts within my consumer credit profile. I kindly repeatedly stated, I called in today strictly to verify my identity to verify with TransUnion the written communication was authorized by me for all other information please refer to the written communication In which all necessary information has already been provided One representative even denied ever receiving the letter, and once I responded why did you all send me a letter then if you did not get the letter that was mailed out to you and the representative blatantly hung up The representatives were very rude customer and spoke in a bully like manner by only allowing me to speak once they felt like I would give them the answers they wanted, all 3 representative I spoke with carried on in this manner, the second rep I spoke with was the rudest, after I didnt give her the information she wanted me to validate ( she was attempting to get me to validate allege accounts within my consumer profile ) which was not relevant to verifying my identity she became upset & continued to talk over me, I then asked what her name was & she hung up on me, and after all of this my personal information is not reflecting what is accurate, true and complete

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