BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-05-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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 mainly filing this complaint on Transunion, XXXX. Transunion, XXXX  has failed to follow the law according to FCRA requirements. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. XXXX  XXXX XXXX has failed to send the original signed consumer contract. If I have failed to get proper documentation how can Transunion, XXXX  say these accounts are verified and meet FCRA requirements. Transunion has continually failed to comply with Section 609 ( a ) ( 1 ) ( A and has stopped me from attaining new credit with the erroneous accounts on my report. I have attached all corresponding mail from 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 2019-04-12
Company: JPMORGAN CHASE & CO.
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In the midst of both cash and credit card fraud by online theft, and telephone threats, I paid through XXXX XXXX upwards of {$1300.00}. plus {$540.00}. through a XXXX charge. XXXX was able to reclaim and reverse the charge to my account housed there in. Yet Chase Marriott has and continues to refuse the remove the fraudulent charges dated XX/XX/XXXX which included the purchase of three XXXX   @ $ XXXX, and then a shipment fee at a local postage store for {$64.00} for a total of {$2100.00}, still outstanding on my Chase Marriott Visa Account. I have ordered copies of the Statement dated XX/XX/XXXX, which was the first Statement received from that company. Now I have a new account number and a new card, but still these charges have not been removed from my debt. They have become buried in the pile of debt to be collected [ or written off when I die ]. I expect to live quite a bit longer, just as both of my parents who lived into their XXXX XXXX. So carrying around this bad debt which is not my own is not ethical. That is what I told Chase Marriott again today, when requesting a dispute and removal be done. I was told multiple dates of how long after a debt was charge the account holder had to dispute the debt. It was 118 days from the date the bill was sent, or 60 days, from the date of the charge. I was also told by the Supervisor at Chase Marriott Visa today, XX/XX/XXXX that they did not have access to this statement or these charges. I do and would be more than happy to share the facsimile copy I have kept on file after asking their office for a copy of the XX/XX/XXXX stmt. issued for payment on XX/XX/XXXX. The first statement on the account. There is something very suspicious going on here and I do not intend to pay the defrauded portion of the bill and interest accumulated on it over the last five [ 5 ] years. Please advise Chase Marriott Rewards aka Marriott Rewards, XXXX XXXX XXXX, XXXX, DE XXXX that I want the total amount of charges, plus all accumulated interest to date removed from my account immediately. I know this can be done, since this within this same period of time, The XXXX XXXX charges associated with their own fraudulent activity are being redistributed to myself and others in a large law suit. [ See United States vs. The XXXX XXXX XXXX, Remission Administrator, for those details ].

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-25
Company: Experian Information Solutions Inc.
State: NY
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 was XXXX  for XXXX years. I was released XX/XX/XXXX from XXXX XXXXXXXX XXXX. I ran my credit and I have no knownlegde of these accounts nor did I give anyone access to any of my personal information while gone. Below is the accounts. 

1 ). XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT. XXXX Date OpenedXXXX Amount {$900.00} Remarks-Charged off as bad debt. Account closed by consumer. 

2 ). XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, FL. XXXX Date Opened- XX/XX/XXXX Amount {$0.00} Remarks-Charged off as bad debt. Purchased by another lender. 

3 ). XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, FL. XXXX Date Opened-XXXX Amount- {$1000.00} Remarks- Placed For collections 4 ). XXXX XXXX XXXX XXXX XXXXXXXX XXXX, NC. XXXX Date Opened- XX/XX/XXXX Amount {$180.00} Remarks- Placed for collections 5 ). XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL. XXXX Date Opened- XX/XX/XXXX Amount {$8000.00} 6 ). XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, TX. XXXX Date Opened- XX/XX/XXXX Amount {$97.00}

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 2018-04-25
Company: Experian Information Solutions Inc.
State: IA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have a fraudulent entry on my credit report. Someone at XXXX XXXX XXXX XXXX apparently tried to take out a line of credit in my name, and an inquiry now appears on my report. This is a well-known issue with XXXX XXXX, and CFPB has already determined this has happened to up to 2 million other people as well. I called XXXX XXXX, and they state they have no record of any home equity application from me. 

Despite this, Experian refuses to so much as open a dispute. They will not take disputes online, referring me instead to a telephone number. I have called the telephone number several times over the past 2-3 weeks, but instead of being able to submit my dispute, I am instead subjected to hold times of up to almost an hour, routed to customer service agents who take the same information over and over, then placed on hold again, at which point their system hangs up on me. 

I subscribe to Experian 's service, and even if I didn't, federal law allows me to submit disputes. I don't understand why Experian refuses to make this possible.

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 2019-03-17
Company: Experian Information Solutions Inc.
State: GA
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 was advised to contact you guys regarding some items on my credit that are not mine. I have contacted the ftc and the city police. XXXX XXXX, XXXX  XXXX XXXX, XXXX XXXX. I'm trying to purchase a home and this is really keeping me from being able to live my life.

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 2021-02-06
Company: EQUIFAX, INC.
State: CA
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 have been the victim of identity theft so i thought until i tried time after time credit repair after credit repair dispute after dispute to remove items that are not mine and are reporting in correctly. I have attempted for now 2 years to get these items fixed however with no success. I have submitted disputes with XXXX, equifax and XXXX. I have advised them that I have not had any inquiries in the past 8 years so for anything to show up on my credit is false. My last attempt was on XXXX XXXX 2020 i in efforts to dispute the inaccuracies submitted another letter and have yet to hear back from XXXX and equifax however XXXX sent the 4th postcard saying that my documentation can not be used. how is this when its one of the acceptable items to verify my address which is my utility bill. PLEASE HELP

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-10
Company: Chime Financial Inc
State: WI
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Chime " XXXX '' Refused rebuttal when they offered me for amount of XXXX which was denied. 

MY REFUND has been sitting for 75 days for said XXXX Chime disputes says they offered me a rebuttal and I said I want my XXXX that isn't supposed to be taken out since XX/XX/2021. 

Chime DENIED my refund AFTER XXXX was refunded and then XXXX was taken out again. 

CHIME was notified via APP customer service I have been fighting to get my XXXX back THEREFORE BAD BANKING LAWS, ILLEGAL ACTIVITY WRONGFUL REFUNDS HANDLING. 

I have screenshots and photos of dates and what happened. 
I was NOT given an offer rebuttal! 
SHUT DOWN CHIME!!!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-06
Company: Experian Information Solutions Inc.
State: IN
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:
Hello, My fianc just recently purposed to me. We are ecstatic, and ready to start out dream wedding. 
Upon review of my credit report, there are an ample amount of Accounts, Collections, and inquiries that do not pertain to me and I are results of identity theft. Please remove these item as they our affecting my credit worthiness. 
Please remove these item from my report or legal action will be taken. 
Thanking you in advance.

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 2018-02-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK
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:
Not to long ago trans union deleted inquires on my credit report and 1 week later reinserted then. I was never notified of this and it has affected my score. To a point where I am unable to purchase a house. It brought my score way down.

1. XXXX XXXXXX/XX/XXXX 2. XXXX XXXX XX/XX/XXXX 3.XXXX XX/XX/XXXX 4.XXXX XXXX XX/XX/XXXX 5.XXXX XX/XX/XXXX6.XXXX XX/XX/XXXX 7.XXXX XXXX XXXX XX/XX/XXXX 8.XXXX XXXX XXXX XX/XX/XXXX 9.XXXX XX/XX/XXXX 10.XXXX XXXX 1XX/XX/XXXX 11.XXXX XXXX XXXX XX/XX/XXXX.XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX13.XXXX XX/XX/XXXX14XXXX XXXX XX/XX/XXXX 15.XXXX XXXXXX/XX/XXXX 16.XXXX XX/XX/XXXX17XXXX XXXX XX/XX/XXXX 18.XXXX XXXXXX/XX/XXXX 19.XXXX XXXX XXXX XX/XX/XXXX 20XXXX XX/XX/XXXX 21. XXXX XXXXXX/XX/XXXX 22. XXXX XXXX  XX/XX/XXXX 23.XXXX XXXX  XX/XX/XXXX.XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 have attempted to resolve these issue numerus time with the credit bureaus with no resolution. XXXX XXXX is reporting inaccurate and incorrectly. To start the account is still reporting as open and 120-149 days late, although the last payment is listed as XX/XX/2018. This would make the account way more than 149 days late forcing it into charge off status. Next the late day of payment is different on each credit bureau. If the information being reported is supposed to be " verified '' how are the dates different. Finally there is a collection from XXXX XXXX XXXX and a Bankruptcy that need to be removed as well because the information does not match mine. This entire situation is completely disheartening. How can these companies just report stuff then make us American prove that what is being isn't true of correct. The entire credit reporting world needs to be revamped. Because right now it is completely unjust!

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 2017-11-30
Company: AES/PHEAA
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
On or about XXXX XXXX I completed a Loan Rehabiliation program with XXXX XXXX and the US Dept of Education to successfully bring my student loans out of a default status and into a current status. 

As part of completing the program, I was advised that any derogatory information tied to the old accounts would be removed from my credit report and replaced with a new account that does not have any negative remarks from the past. 

On XXXX/XXXX/XXXX - I sent a special written request directly to XXXX. 

In whole, it stated : { { { { { Regarding Account # XXXX Account # XXXX I 'd like to bring to your attention an error with your reporting of a rehabilitated student loan. I have previously disputed this reporting with all three major credit reporting bureaus on several occasions. Specifically, I am expecting the deletion of derogatory credit reporting on any William D. Ford Federal Direct Loan ( Direct Loan ) Program and Federal Family Education Loan ( FFEL ) Program - as specified in the terms of the Higher Education act and the Department of Education. 

Specifically, it says : To rehabilitate a defaulted Direct Loan or FFEL Program loan, you must agree in writing to make nine voluntary, reasonable, and affordable monthly payments ( as determined by your loan holder ) within 20 days of the due date, and make all nine payments during a period of 10 consecutive months.

Benefit : When your loan is rehabilitated, the default status will be removed from your loan, and collection of payments through wage garnishment or Treasury offset will stop. Youll regain eligibility for benefits that were available on the loan before you defaulted, such as deferment, forbearance, a choice of repayment plans, and loan forgiveness, and youll be eligible to receive federal student aid. Also, the record of default on the rehabilitated loan will be removed from your credit history. 

Therefore, I respectfully request you address my concerns here. I have enclosed copies of my credit reports highlighting the incorrect loans that keep getting verified as correct after a credit bureau investigation. For your records, this loan rehabilitation was completed by me early in XXXX, therefore I suspect ample time has gone by for you to correct your records. Kindly respond promptly. } } } } I have yet to receive a response from them after nearly 60 days and continue to have negative information on my credit report adversely affect me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Kohls/Capital One has listed an account on my credit reports in the amount of {$590.00}. I have disputed this item with the credit bureaus and the company did not respond with the information requested. I requested proof of the account and received nothing. I do not believe this account is mine and is blemishing my credit reports as it is negatively impacting my scores. The company states that the account meets FCRA requirements but it does not because it did not provide proof of this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-01
Company: TD BANK US HOLDING COMPANY
State: MD
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I have filed a fraud complaint with XXXX and they have her recorded stating to cancel the service and now charging me XXXX for equipment she threw out against her for the XXXX and also filing criminal charges for opening a XXXX card with all my information and XXXX says she forged my signature to open the credit card. Fraud Ticket Number XXXX. 
I am on the phone with XXXX to get the application where she signed my name and will go to the police department tomorrow to file charges against her. 

XXXX XXXX AKA XXXX XXXX has open a XXXX Card in MY name without my consent and signed my name she also canceled the cable and threw the boxes in the trash without my permission she is not on either account and just found out about the credit card because its in collections.. I need help please She also fraudility gets food stamps he mom and sister and XXXX XXXX helped her do this and they all work and gte food stamps she tried to get disability until they caught her cleaning houses and now her mother XXXX XXXX is lying to get disability and all se their pain pills. XXXX XXXX and XXXX XXXX all see several doctors to gte massive amounts of narcotics

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
These are not my accounts. Please remove them.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-12
Company: CARD Corporation
State: GA
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: Overcharged for something you did purchase with the card

Complaint:
I stopped at XXXX XXXX XXXX in XXXX, XXXX on XX/XX/2019 at XXXX and used my prepaid visa from card.com and pumped {$13.00} in gas. My card was charged {$76.00}. Which was all but {$5.00} from what was on my card. My lights get cut off at XXXX that in 45 min because of this and will cost {$350.00} to have cut back on. Money I do not have due to trying to get on my feet from an abusive marriage I'm finally out of. I called card.com while still at the store. The store said it was the card company and the card company said its the store. I explained to them my situation and they acted as if they did not care for the store and card.com nowhere under the agreement that I agreed to with card.com did it say anything whatsoever about them holding {$76.00} when I would use my card at a pump and nowhere on the pump or at that store did it say anything I requested to speak with a supervisor they told me someone would call me back I waited and waited called again same thing only this time they said I had already had a request tomoney.k with a supervisor they would not try to get another one put in my money would be back in three days waited again still no call so I called again this time they said it would take 7 days all I want is my money back because now it's costing me {$350.00} that I'm now think they should be responsible for they would not help me. They did not try the added like they just did not care and know where did it say anything about holding that much money. I emailed a copy of the receipt showing I only spent {$13.00} yet they said that would not work it wasn't good enough. The only reason I signed up for the card was because my friend asked me to because once you do it and get so much money on there you both get {$30.00} neither of us have received it but they said that I have done everything that they required in order to get it get neither of us have gotten which that was the only reason I even signed up for the card. If it wasn't for that I never would have got it. I believe we were scammed just so we would get it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-05
Company: Early Warning Services, LLC
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
On XX/XX/2020, I attempted to transfer one thousand dollars ( {$1000.00} ) from XXXX XXXX through Zella, the money was never received into the account in which it was supposed to be deposited into, my joint account with XXXX XXXX XXXX. I have used this service many times with smaller amounts and the transfer has always been successful. I have contacted every institution that has connection with this issue ( XXXX, Zella, XXXX XXXX XXXX and XXXX XXXX ). My visit to XXXX XXXX XXXX, information disclosed that the money was sent to XXXX XXXX. We have never had an account with XXXX XXXX, so we tried to reach out to XXXX XXXX and I was redirected to the XXXX for service. I spoke with XXXX who said there is nothing she can do without an account. I explained to her the situation and she refused to help. I asked if I could speak to manager, she stated that the manager would tell me the same thing and refuse to allow me to speak to manger and this took place on XX/XX/XXXX early morning. I contacted XXXX and claim was filed three time and they denied each time. XXXX disclosed that XXXX XXXX was involved but could not and would not give me any information regarding the money being sent to XXXX XXXX. I asked if they could investigate the account that it was sent to and they refused to help. I spoke with one XXXX who is the claims supervisor who was very rude stating its not their problems and basically do what I need to do without there assistance. I cant believe they would have someone representing XXXX XXXX in that matter. All of the claim agents from XXXX XXXX was insensitive to the {$1000.00} dollars in limbo through this murky banking triangle. I have been speaking to XXXX daily since XX/XX/XXXX regarding this matter and no one as of today has been able to help me. I would like to officially file a charge with the employees of this department and do whats necessary so that no one else will ever be subjected to this rude and insensitive behavior and lose money this way.

Company response to consumer: Closed with explanation