BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-30
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
please remove from my credit file - I did not provide my info to have my credit run. They ilegally sold my name and social to other companies 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 Auto Dealers , Used XXXX XXXX XXXX XXXX XXXX Auto Dealers, Used XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Auto Dealers, New XXXX XXXX XXXX XXXX XXXX Auto Dealers, Used 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 XXXX XXXX XXXX XXXX XXXX Auto Dealers , Used 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 Auto Dealers , New XXXX XXXX XXXX XXXX XXXX Auto Dealers, Used XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Auto Dealers, New 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 Auto DealersXXXX XXXX XXXX XXXX XXXX XXXX Auto DealersXXXX XXXX XXXX XXXX XXXX Auto Financing XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Auto Financing XXXX XXXX XXXX XXXX XXXX Auto Financing XXXX XXXX XXXX XXXX Auto Dealers XXXX XXXX XXXX XXXX XXXX XXXX XXXX Auto Dealers, New XXXX XXXX XXXX XXXX Auto Financing XXXX XXXX XXXX XXXX XXXX Auto Dealers, Used XXXX XXXX XXXX XXXX XXXX Auto Dealers, Used XXXX XXXX XXXX XXXX XXXX Auto DealersXXXX XXXX XXXX XXXX XXXX XXXX Auto Financing XXXX XXXX XXXX XXXX Auto Dealers, Used XXXX XXXX XXXX XXXX XXXX Auto Financing XXXX XXXX XXXX XXXX XXXX XXXX Auto Financing XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Auto Dealers , Used XXXX XXXX XXXX XXXX Auto Dealers, Used XXXX XXXX XXXX XXXX XXXX Auto Financing XXXX XXXX XXXX XXXX Auto Financing XXXX XXXX XXXX Auto Dealers, Used XXXX XXXX XXXX XXXX XXXX XXXX Auto Financing 1XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Auto Financing XXXX XXXX XXXX XXXX XXXX Auto Financing XXXX XXXX XXXX XXXX XXXX Auto Dealers, Used XXXX XXXX XXXX Auto Financing XXXX XXXX XXXX XXXX Auto Dealers, New XXXX XXXX XXXX Auto Dealers, Used XXXX XXXX XXXX XXXX XXXX XXXX Auto Financing XXXX XXXX XXXX XXXX Auto Dealers , Used XXXX XXXX XXXX XXXX XXXX Auto Financing XXXX XXXX XXXX XXXX XXXX XXXX Auto Dealers, Used XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
Each credit company have taken a few things off that was fraudulent but not all. Please help me force them to comply by the FCRA block section and block the remaining accounts and inquiries from my 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 2021-07-01
Company: CITIBANK, N.A.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I submitted a dispute for a billing error on my CITI Visa credit card on XX/XX/2021 for {$560.00} by XXXX XXXX. Upon my initial dispute, I provided the requested documentation. In response to the CITI letter requesting documents already submitted dated XX/XX/2021, I resubmitted my documents on XX/XX/2021. I included all necessary documentation to fully and adequately follow through with this dispute. 
However, CITI failed to provide any response from the merchant or let me know if the merchant even replied. Furthermore, it is now the end of XX/XX/2021, far beyond the allowed 2 billing cycles which CITI is obligated to correct this billing error. I previously informed CITI of their failure to provide the required documents and process the dispute in accordance with the published and public VISA dispute resolution guide. 
The provided documentation includes written correspondence between myself and XXXX who agreed it was an error on their part and would be issuing refunds but failed to do so. 

CITI has failed to provide any reason for their belief the is valid or provide any supporting documentation from the merchant. 
The billing errors were a result of XXXX failing to provide credit for free coupons utilized upon making the reservations and double, even triple charging my card for these errors. On XX/XX/2021 I was in communication with XXXX from XXXX who stated she made the correct adjustments to the charges, however as I have now been charged back months later for these charges the amounts charged are no longer correct. 

Citi has refused to correct this billing error despite receiving the necessary documentation to support my case, or provide the required documentation proving the billing error to be valid.

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 2023-11-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 3. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate XXXX XXXX  Account Number : XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report 4. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate XXXX Account Number : XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report 6. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate XXXX XXXX Account Number : XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report 7. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate XXXX XXXX  Account Number : XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report

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 2022-07-15
Company: Chime Financial Inc
State: OR
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I woke up Saturday XX/XX/XXXX to an unauthorized charge by XXXX for {$180.00}. I complained to my bank ( Chine/XXXX  XXXX XXXX but they said they couldn't dispute it until it wasn't pending. They closed my card and issued a new one and I thought they were going to handle it! On Sunday the XXXX, something weird happened, {$39.00} of it was credited back, but {$150.00} still remained pending. It sat and sat and I was hoping it would fall off, but Monday morning it became a permanent charge. I instantly disputed it at XXXX and by XXXX I had a denied claim from Chime! Why? I didn't make this purchase! I have been a great customer for 6 or 7 years never having a claim. What kind of investigation could they have done with an online purchase in 2 hours? I called back to get the claim reopened and sent.them a ledger and history of my XXXX account which only included two concerts tickets back in XXXX or XXXX! I had no payment method listed or address available! Everything I read the bank was wrong because I was not careless with my card or pin. This was a purchase I didn't authorize but they are sticking me with it! No way to get the merchandise to send back cause I don't know where or who it went to. That was my bill money but Chime allowed someone to take it. Where do I go from here! I will do it!! Please help me resolve this with this bank.cause they did not investigate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-15
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
The questionable accounts specified below continued to report on my credit report despite the previous sent requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus last XX/XX/2022, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be validated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled as soon as possible. 
XXXX XXXX Balance : {$11000.00} ; XXXX XXXX Balance : {$12000.00} ; XXXX  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 2019-11-26
Company: Home Loan Center, 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:
Lending tree says that Inhave several accounts in arrears one of which is a student loan. I have never had student loans. My education was paid for at the time Inwent to College and XXXX school XXXX. They show this from 1998 and have stated they verified it. This is impossible. I have asked for proof which they will not give me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-20
Company: Experian Information Solutions Inc.
State: TX
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 mailed a request to validate and provide documentation proof letter to the credit bureau in XX/XX/2019 via certified mail. I requested that the below account be validated and for documentation of the validation be provided to me : XXXX account # XXXX {$1600.00} I notified the credit bureau of this account inconsistencies and gave the opportunity for the bureau to correctly validate with adequate proof, this account. The credit bureau has failed to provide proper proof of account validation within the legal time frame allowed

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 2023-04-26
Company: Chime Financial Inc
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
XXXX in the amount of {$2000.00} on XX/XX/2023. I contacted Chime on XX/XX/2023 in regards to my transaction. They made me aware that they was going to do something about it after 10 business days they told me that my claim was denied i informed them that it wasn't the merchant. It was another individual who stole my wallet, and use it at the merchant location. They informed me to open a rebuttle I did, also I sent a written statement stating that the merchant had nothing to do with what happened and for me to try to file a police report. I couldn't file a police report because the police stated that there was nothing that they could do either since I've already tried to reach out to the merchant, I filed Nother rebuttle on XX/XX/XXXX waited 10 business days to XX/XX/XXXX they informed me I was gon na get a temporary credit on XX/XX/XXXX, XX/XX/XXXX came they denied me Once again, I open another rebottle, which is the current one that is supposedly open they told me on or before XX/XX/XXXX. I informed the supervisor that I am not waiting another 10 business days this is the third rebuttal that I've had to open and I need my funds in my account immediately I have already gave you all the information that y'all are needing and I need this to be escalated and fix still no response and so I have no choice but to reach out to this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-20
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: Account information incorrect

Complaint:
ATTN : Legal Department I would like the following information deleted. This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). The specific information is not accurate .XXXX XXXX XXXX Closed : XX/XX/XXXX This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FCRA ), section 623, subsection ( 8 ) ( D ). The specific information under dispute is the derogatory nature of the information your agency has furnished to the credit reporting agencies in connection with the following accounts : The basis for my dispute is that, as I understand the code, your office was required to notify me, in writing, prior to, or no later than 30 days after furnishing any negative information to the consumer credit reporting, that such information was being furnished. This notification is required under the FCRA, section 623, subsection ( 7 ) ( A ). To date, I have not received any documentation in compliance with this section. I am requesting that you provide me with proof of notification, i.e. a copy of the actual notification sent, and proof that it was delivered to me in a timely manner. If you can not provide proof of notification and date of receipt then you can not substantiate that you complied with the procedures required under the FCRA. In which case, the continued reporting of negative information to the credit reporting agencies in connection with the aforementioned accounts may constitute the reporting of false information, causing damage to my reputation and future credit worthiness. To resolve this situation, I ask that you investigate this matter, and modify the accounts accordingly. I also ask that you inform the appropriate credit reporting agencies of your actions, and ask that they make the proper updates to the accounts at issue. It is my understanding that the FCRA 623 ( 8 ) ( E ) ( iii ) establishes a timeframe for these issues, and that section 621 of the FCRA supports my request in this matter. I have also requested the guidance and support of the Attorney General 's office. As well as The items that appear on my credit report as XXXX XXXX Inquiry from  XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX I have never done any business with this company and I demand a full investigation. I do not recall any payments or anytime timeline of activity ( DOLA ).

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 2023-08-10
Company: Experian Information Solutions 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 sincerely implore you to take immediate and decisive action to remove the unauthorized inquiry from my credit report without any further delay.

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 2021-04-21
Company: EQUIFAX, INC.
State: MI
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 a {$300.00} collection from XXXX by XXXX showing on all three credit reports. I never had a balance with XXXX, yet it is being reported. I have disputed repeatedly to no avail. I have received a letter in the mail from my insurance company proving that I have a XXXX  balance and have always had a XXXX  balance, because my health insurance paid the bill in entirety. XXXX also has a XXXX  balance on file for me. 

I feel that if basic due diligence requirements were followed by the three credit reporting agencies, this invalid information would not be on my report. If anyone had taken the time to actually inquire with XXXX/XXXX, they would have discovered that I do not, in fact, have a balance owed. 

This collection caused me to be declined for a vehicle and forced me into paying a higher car note. All I've received is a letter saying " we apologize for any inconvenience ''. My financial life has been ruined for 2 years because of a mistake on someone else 's end and someone should pay for this. " we apologize for any inconvenience '' is simply not good enough.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
I contacted transunion because there were third party agencies like XXXX XXXX & others pulling my credit information from there agency and it was reporting my student loans that are paid in full delinquent & in collections. I have been continuously getting denied for a rental lease leaving me & my family stuck living in a XXXX 

When I spoke with the transunion representative XXXX he said my loan balances showed paid in full and had at a XXXX balance since 2019 which is correct, but when I login into my transunion XXXX account the loan balances are showing actively in collections and delinquent. When third party companies that real estate agencies are using to screen potential tenants Im getting denied & remain XXXX So I am left to suffer the consequences of these inaccurate debt amounts being reported by transunion and its affiliates/ subsidiary companies. 
Every time I tried to dispute these accounts on XXXX it would lock me out the account and this happened more than once and I had to contact tech support to gain access again.

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 2023-05-03
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:
I had taken out an installment loan which was not paid directly to me all at once but would be once the payments were made. I cancelled the loan mid-contract and was owed a refund for some of the money which I had invested towards the account. I received an e-mail from XXXX that stated I had until XX/XX/2022 to pay the outstanding balance of {$390.00} and that XX/XX/2022 would be the last day to do so. 

I paid the outstanding balance and left XXXX with a {$0.00} balance on my account prior to the date which was set for the deadline to make said payment. However, in XX/XX/2022 I began receiving notifications from XXXX, XXXX XXXX, XXXX XXXX that XXXX had reported my account as a " charge-off '' status, this was not the case as the letter I received from XXXX ( see attached document ) stated I had until XXXX. This was very unsettling and has been very unsettling with me for the past year. 

This account was paid off in full, & I also received a refund for the money I had invested in the account. 

I request the immediate removal of this XXXX account due to several inaccurate reporting including dates, amounts, and several inaccuracies which have affected my credit score among other things.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking of the erroneous information which is being posted to my report. 
Here are the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX ; XXXX XXXX; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXXXXXX, GA XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$640.00} ; XXXX XXXX XXXX Balance : {$10000.00} XXXX XXXX XXXXXXXX Balance : {$7500.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.

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