BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-11-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Transunion was made aware that I was a victim of identity theft of which the listed item reported may be a result. I have no knowledge of this account as it is listed with redacted account number XXXX. I have never done business with XXXX XXXX XXXX. 

Desired resolution : Delete & Block item/items immediately pursuant to Section FCRA law section 609

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 2018-09-21
Company: WELLS FARGO & COMPANY
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Wells Fargo utilizes information from XXXX XXXX XXXX  to make decisions about consumers. This information in this database continues to negatively impact and impedes my efforts to feel whole. I have provided the bank as well as the XXXX XXXX with the police report, the judgement of enforcement order against my ex-husband extrapolating his erroneous report of frauds as well as the divorce decree.

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 2019-11-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I needed to remove a credit freeze on my credit report with TransUnion on XX/XX/XXXX or XXXX XXXX ( don't remember exact date ). I contacted them by phone. And, they asked me a bunch of questions to identify me including : 1 ) Name and address ; 2 ) Birthdate ; 3 ) Social Security number. 

Next, they asked me if I had a PIN. I never had a PIN with TransUnion. And, I said so. Then, they asked me a couple of security questions. And, here were two of those security questions : a ) In XXXX on this specific date ( i.e. XX/XX/XXXX XXXX, you applied for a credit card limit. What was its limit : i ) 0 - {$1000.00} ; ii ) {$1000.00} to {$1500.00} ; iii ) {$1500.00} - {$2000.00} ; ... v ) {$3000.00} and over.

b ) In XXXX on this specific date ... remaining of the question structure was identical to a ). 

When asking those questions TransUnion did not provide any information on the name of the creditor that I had applied for credit ( bank, dept. store, etc. ) After the very first question, I told the  TransUnion rep how could she expects me to remember such an event dating back over 4 years ago? She simply answered " well that is how our systems are set up. '' I answered, that this was really absurd and unprofessional. 

After the second question, I was now baffled that she would ask me the same type of question expecting me to recollect a mundane event in greater detail with virtually no information provided about the event ... and an event that occurred nearly 20 years ago. I told her that such practice was just not right and that I was going to file a complaint about it with the CFPB. 

Based on the above, after this lengthy and torturous phone call I was unable to remove my credit lock with TransUnion. Even though I did not incur any direct damages, I really want the CFPB to force TransUnion to change their system of security-questions that as described is completely absurd. No normal person could pass these types of test.

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 2023-09-11
Company: Maximus Education, LLC dba Aidvantage
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
On Friday, XX/XX/2023 ( about a week before interest rate accumulation was to resume ) at XXXX XXXX I called AidVantage ( formerly XXXX ) to make a large final payment, or so I thought, to close out an existing loan. The amount was for nearly {$25000.00}. I had been saving up for the past XXXX and a half years taking advantage of the pause in interest accumulation. Upon being connected to a representative, I requested a specific loan be paid off in its entirety and proceeded to provide them with the loan number, its amount according to the AidVantage website, and then my debt card to complete the transaction. The representative confirmed and even acknowledged they could see that I had logged onto their website. Upon confirming from the representative twice of the amount I needed to pay off the loan, they reconfirmed and then let me know the transaction had gone through before provided me with an email containing the pertinent details. The representative said it would take a few days for the website to catch up to their internal records. On Tuesday, XX/XX/XXXX, I get a letter from AidVantage telling me that the loan payment I made was not sufficient and that an amount balance of over {$400.00} remained identified as " Unpaid Principal ''. Upon learning of this, it became apparent that all of my loans on their website were lacking that financial detail. This is not to be confused with the " Original Principal '' or " Interest Rate or Interest Accumulation Amount ''. This information is not provided on their website and is not listed anywhere in the total amount of the loan I was attempting to pay in full. This company, and XXXX prior, has had XXXX YEARS to get their ACT TOGETHER. THEY HAVE FAILED. If they expect students to pay their loans, THEY MUST PROVIDE ACCURATE FINANCIAL NUMBERS TO THE LOANS. THIS IS UNACCEPTABLE. IN ANY OTHER BUSINESS THEY WOULD BE LOSING CUSTOMERS! However, I am beholden to them courtesy of the United States Department of Education. Now, that remaining " Unpaid Principal '' has accumulated interest costing me more money. Of course, I am not without blame. I sadly chose to go to college ; the worst advice to ever get from the XXXX XXXX XXXX. That educational path was, and continues to be, my biggest financial mistake. COLLEGE IS NO LONGER WORTH THE PRICE. TO ANY PROSPECTIVE COLLEGE BOUND STUDENT ... XXXX WARNED! STUDENT LOANS ARE NOT WORTH IT! FIND ANOTHER WAY! AIDVANTAGE IS TERRIBLE! XXXX IS TERRIBLE! THEY ARE ALL TERRIBLE! Best of luck to us all now that loan repayment has resumed, we're going to need it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-13
Company: Experian Information Solutions Inc.
State: AL
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:
Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX Balance : {$490.00} XXXX XXXX Balance : {$21000.00} XXXX XXXX XXXX Balance : {$780.00} XXXX XXXX Balance : {$21000.00} XXXX XXXX XXXXXXXX Balance : {$490.00} XXXX XXXX Balance : {$21000.00} XXXX XXXXXXXX XXXX Balance : {$0.00}

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 2021-09-21
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX M, XXXX XXXX, FL XXXX XXXX. XXXX. 2021 XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, DE XXXX XXXX Dear Sir or Madam : As of XXXX. XXXX. 2021 it is still displayed on all three of my credit report files, XXXX, Equifax XXXX XXXX. I was also notified that I could not use XXXX XXXX, CEO of XXXX XXXX XXXX XXXX on my behalf as my representative to dispute fraudulent alleged accounts. I have Attached several Documents so you can see the discrepancies on my FICO credit report, the items I dispute on the attached copy of the report I received.The information on XXXX XXXX XXXX  Account number XXXX with a balance of {$1200.00} is inaccurate because I've been contacted by your company about a debt you allege I owe several times. I am instructing you not to contact me any further in connection with this debt. Under the Fair Debt Collection Practices Act, a federal law, you may not contact me further once I have notified you not to do so. I am requesting that the item be removed immediately. 

Please reinvestigate this matter to have them delete the disputed item [ s ] as soon as possible. I am writing to dispute the following information in my credit report file. I have listed above the items I disputed, the information on identifying disputed items, creditors name and whether it is a credit account, court judgment, etc. it is inaccurate. 
This rule revises Regulation F, 12 CFR part 1006, which implements the Fair Debt Collection Practices Act ( FDCPA ), to prescribe Federal rules governing the activities of debt collectors, as that term is defined in the FDCPA. The final rule addresses, among other things, communications in connection with debt collection and prohibitions on harassment or abuse, false or misleading representations, and unfair practices in debt collection. 

The Bureau of Consumer Financial Protection ( Bureau ) is issuing this final rule to revise Regulation F, which implements the Fair Debt Collection Practices Act ( FDCPA ) and currently contains the procedures for State application for exemption from the provisions of the FDCPA. The Bureau is finalizing Federal rules governing the activities of debt collectors, as that term is defined in the FDCPA. The Bureau 's final rule addresses, among other things, communications in connection with debt collection and prohibitions on harassment or abuse, false or misleading representations, and unfair practices in debt collection. 

This rule is effective XXXX XXXX, 2021. Please reinvestigate this matter and delete the disputed item as soon as possible. XXXX, XXXX, XXXX, XXXX, XXXX. 

Sincerely, XXXX XXXX, Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-02
Company: SYNCHRONY FINANCIAL
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
On : Tuesday XX/XX/2021 I gave to PayPal Credit an additional {$10.00} for an additional Minimum Payment Due, that was not due to them, at all, for : XX/XX/2021.

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 2020-10-23
Company: Chime Financial Inc
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I have a Chime checking acct. For the last 5 months my unemployment benefits have gone to this account like clock work. The same day the same time every single week never any different. On Monday XX/XX/2020 my unemployment benefits were releases to my bank acct via direct deposit. Today is now Friday XX/XX/2020 and my money is not in my account. I have called numerous times and they keep saying its my employer but I have proof it was sent. It is happening to thousands of people and only people with Chime. Everyone else got paid. Its not everyone 's employer all over the world. My money is always in acct by Tuesday morning never any later. Chime is not providing no answers just lying to people.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-12
Company: EQUIFAX, 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:
It has been a battle going through this and I am submitting this CFPB complaint to delete the following fraudulent information from my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge nor accounts. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Report. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the alleged information showing on my credit report. I have read that the Credit Bureaus are required to remove any account and information that resulted to identity theft. By submitting this complaint, I am looking forward for the removal of the disputed items completely from my Credit Report : XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX Balance {$6400.00} XXXX XXXX XXXX Balance - Date opened XX/XX/XXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-20
Company: U.S. BANCORP
State: PA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem getting a card or closing an account
Sub-issue: Don't want a card provided by your employer or the government

Complaint:
An unsolicited .S. Bank Visa " XXXX '' for unemployment benefits from the state of Ohio was sent to me in my name. The card was received on Friday, XX/XX/2020. Upon receiving the card I tried to contact U.S. Bank numerous times by phone and online and could not reach any one.

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 2020-11-30
Company: Experian Information Solutions 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:
There are late payments reporting on my report that are extremely inaccurate for my auto loan. I did not make late payments over 30 days past due from XXXX to XXXX of 2020 I have attached proof so that these payments can be corrected.

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 2023-01-13
Company: Self Financial Inc.
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Report Act XXXX XXXX has violated my rights. Allowing a late payment reporting on XX/XX/22, XX/XX/22. Under 15 U.S. Code 1681 Section 602 states There is a need to insure that consumer reporting agencies exercise a respect for the consumers right to privacy. 15 U.S. Code 1681 Section 604a Section 2 also states, any consumer reporting agency may furnish a consumer report under the following circumstances and no other. In Accordance with the written instructions of the consumer to whom it relates. 15 U.S. Code 1666b A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-13
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:
I value you setting aside some margin to REMOVE a portion of the data in my credit document ; not withstanding, there are still a few items to be deleted. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these items ( 1 ). ( A ). 

XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/2021 XXXX XX/XX/2021

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 2019-11-10
Company: Experian Information Solutions 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 recieved my credit report from XXXX  and i immediately noticed my name. Was correct and the body of the letter was addressed to someone else. After going over it more closely this person has filed chap. XXXX bankruptcy!!!! I was wondering why my score was so low. I notified everyone of those at credit reporting agency. And nothing. I would like to pursue legal action against these credit bureaus because they have made it where i have to pay cash for everything anyways.

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 2019-11-10
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 recieved my credit report from transunion and i immediately noticed my name. Was correct and the body of the letter was addressed to someone else. After going over it more closely this person has filed chap. XXXX bankruptcy!!!! I was wondering why my score was so low. I notified everyone of those at credit reporting agency. And nothing. I would like to pursue legal action against these credit bureaus because they have made it where i have to pay cash for everything anyways.

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 2018-12-10
Company: CNG FINANCIAL CORPORATION
State: MI
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Loan payment wasn't credited to your account

Complaint:
This is my 2nd complaint that I have filed with the Consume Financial Protection Bureau against XXXX XXXX XXXX. The first complaint was on XX/XX/XXXX. On XX/XX/XXXX I received a " Notification of lawsuit Filing and Civil Complaint '' from XXXX XXXX XXXX on behalf of XXXX XXXX XXXX. I PAID/settled this loan in the amount {$250.00} in XX/XX/XXXX to XXXX XXXX XXXX that was representing XXXX XXXX XXXX for the loan. On XX/XX/XXXX @ XXXX XXXX I received a pone call from XXXX XXXX XXXX asking for a settlement on the XXXX XXXX XXXX loan. I informed them that I paid the debt. the conversation got heated and I was informed that they were taking me to court and I told them to go ahead. 

Over 5 years XXXX XXXX XXXX have not updated their records to showing that I PAID this loan!!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-11
Company: ENCORE CAPITAL GROUP INC.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Since XX/XX/2012, Asset Acceptance LLC has try to collect a debt that I don't recognize. I thought that this issue was closed. Now I am receiving correspondence that this collecting agency wants to garnish my wages putting a judgment in the courts. I was not aware that this issue was still open because the company keeps sending garnishments to companies at places that I never work for or companies that I stop working for a long time ago. I want to put a formal claim on this company. I have call trying to get documentation that proof that this debt belongs to me and they have continue to harass me and refuse to send me any documentation that connects me with the debt. The case they file with the XXXX County courts is another form of harassment. This company should be out of business and not allowed to disrupt peoples lives.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting 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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a 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.

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