BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the FCRA, this creditor has violated my rights under 15USC 1681 section 602 states I have the right to privacy. 15USC 1681 section 604 A section 2, it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666B ; a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.

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 2021-03-01
Company: LEXISNEXIS
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
On XX/XX/2020 I was served eviction papers because I refused to comply with an illegal removal from my rental home. The case went to trial in NC XXXX XXXX XXXX on XX/XX/2020 and was dismissed with prejudice. In summary, I won the case.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-25
Company: U.S. BANCORP
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
i got call from XXXX dated XX/XX/2019 requesting some information about my account, which i answered all they asked me to visit the branch to submit some documentation which i did on XX/XX/2019 to XXXX XXXX IL US bank branch, where i submit all information needed, yet i got call from same number on XX/XX/2019 for same reason, again i visit the same branch on XX/XX/2019 where they told me there is nothing needed from my end, later i found our that my account was on hard block since XX/XX/2019 for no known reason even for the branch manager, later o call from the same above listed number asking the same question which i gave all the needed answers, and again i visit the same branch on XX/XX/2019, later i got answer from the same bank stating that i did not submit the requested documentation ( see attached file ) which is totally wrong from the above mentioned facts and based on my routinely visits to the branch and my complies to all their requests it shows clearly that this bank is having racist discrimination towered me based on my nationality which clearly visible based on their actions verse my replays

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 2019-10-25
Company: HCFS Healthcare Financial Services of TeamHealth
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I requested validation not verification on account number XXXX. I have received a response that clearly violates my rights according to HIPPA. ARS Resolution Collection Agency. Didn't not provide me a HIPPA release that release my medical information to them. Therefore by providing such information they are in violation of my HIPAA rights. I urge you to take this extremely seriously i will seek every legal remedy available to me. And file suit against the the credit bureaus who's also responsible for reporting bad information which is a Violations. As i have documented my case without any errors I encourage a response from you expeditiously

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 2019-10-25
Company: Navient Solutions, LLC.
State: CO
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:
Looking on my account information I realized I could pay off one of my smaller older student loans totaling {$640.00}. I paid the whole loan online. I went back on my account after getting an email saying my payment was posted. The loan balance now reads that I owe a bit over {$500.00} when it should show a balance of {$0.00}. This is not the first time this issue has come up. The difference is that I am not XXXX anymore and have a handle of my finances enough to note that my payments are not being received as they should. I have made payments on other loans that should have paid the total balance, which did not result in a XXXX  balance due. This is not okay. It is not being resolved. I should not have to pay more to this company than I already have.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-10
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 am writing to delete the following information in 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. 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 Commissions Identity Theft Affidavit. Please delete the items as soon as 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 explanation
Consumer complaint received 2020-10-25
Company: Social Finance, Inc.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
{$75.00} cash deposit bonus was promised for getting a direct deposit from employer. Direct deposit of {$500.00} was received on XX/XX/2020 yet the bonus promo was never credited. 
Sofi terms read " SoFi will credit members who meet the qualification criteria stated above with a one-time cash bonus of {$75.00} deposited into their SoFi Money account within two weeks of qualification ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-25
Company: Fidelity National Information Services, Inc. (FNIS)
State: NY
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:
I requested a " re-investigation '' into the information reported to Chexsystems by XXXX XXXX only to receive a letter back from Chexsystems saying that the date of bankruptcy filing was prior to the date of the information being reported, and that if I wanted to further dispute the information, to submit further documentation such as a list of creditors indicating that the specific account had been included in my bankruptcy. This just happened to be the exact same document that I submitted in my original dispute request to them, so they knew going in to the the dispute that the account was included in bankruptcy, chose to ignore my dispute, continue to create roadblocks, and report erroneous information. I then attempted to contact them to discuss the response letter and was informed that only one person in the entire company can speak with me regarding my file after providing them my consumer ID XXXX, and that I would have to wait for a call back, which of course took 6 hours, and I missed because I was at work, so who knows if and when I would ever be able to speak with " 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 2021-11-02
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-25
Company: Experian Information Solutions Inc.
State: VA
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'm currently experiencing fraud with my checking account for XXXX XXXX. I called immediately and had my account frozen. I called experian and XXXX to have a 30-day freeze put in on my credit. My XXXX   XXXX XXXX is linked to my XXXX XXXX card so I called to explain the situation. The customer service representative assured me that I would not endure any late fees/negative credit reporting because the account is already closed and to make my payment once I can access my funds again. I was surprised to see the late payment open for my XXXX XXXX XXXX account. I called XXXX XXXX to have payments process to XXXX  XXXX XXXX but only some funds could be verified. This is currently an on going nightmare for me.

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 2022-10-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This is XXXX XXXX, and I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are corrected. 
XXXX XXXX Balance Owed : {$2100.00} - Charge-off XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX  Original Creditor:08 XXXX XXXX ) XXXX Balance Owed : {$2100.00} XXXX XXXX  ( Original Creditor:01 XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance Owed : {$1200.00} XXXXXXXX XXXX  ( Original Creditor:01 XXXXXXXX XXXX XXXX ) XXXX Balance Owed : {$800.00} XXXX XXXX XXXX Original Creditor:01 XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance Owed : {$530.00} XXXX XXXX ( Original Creditor:11 XXXX XXXX  ) XXXX Balance Owed : {$1000.00} XXXX XXXX ( Original Creditor:08 XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance Owed : {$580.00} ( Original Creditor : XXXX XXXX ) XXXX Balance Owed : {$100.00} XXXX XXXXXXXX Balance Owed : {$580.00} XXXX XXXXXXXX Balance Owed : {$1300.00} XXXX XXXX Balance Owed : {$1300.00} XXXXXXXX XXXX XXXX Balance Owed:XXXX XXXX XXXX Balance Owed : {$1800.00}

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 2020-09-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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 invalid accounts reporting to my credit report I have tried to solve this many times with the company both bureaus and the creditor. Despite two-three written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation

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 2019-10-27
Company: EQUIFAX, 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: Old information reappears or never goes away

Complaint:
While doing a recent review of my credit report. Ive noticed that their are a few accounts that were disputed with your bureau ( Equifax ) that I have also submitted with XXXX XXXX and XXXX. **** These accounts are listed with your bureau ( Equifax ) as they were with the other two bureaus. Disputes were sent out to each bureau at the same time with the same verbiage. 
By law each bureau has to abide by the laws of the FCRA. 

XXXX XXXX and XXXX  are reporting different from what you are reporting. Each account on your bureau report ( Equifax ) has / had the same account number and identical information and at the end of your investigation your bureau stated that they verified it with the furniture or guarantor. The other bureau has done the same and have received different results. 

If this is the same account thats being reported by the same creditor, how are these numbers and other verbiage different? How could the verification process be the same and receive different results? How could all three bureau follow the rules of the FCRA and get three different results from all three bureaus? XXXX is responding back that the information is true and correct and has updated or deleted the item. So has XXXX! So why does your bureau ( Equifax ) find it probable cause to continue keep incorrect information and not delete or up date it if in your verbiage has been verified by the guarantor/creditor? 

( Is the bureau using a computer verifying system or is their a ****human ~~~~taking out the time to make sure that the information is correct? ) Because of this apparent neglect, and ensuring that everything on my account is accurate, consistent and up to date. Please delete these accounts immediately because of the negligence from the original creditor to the credit bureau and in inaccurate verification from your bureau ( Equifax ). 

I have enclosed a screenshot and other information for your viewing pleasure. Please see all of the highlighted sections that I have outlined for you. 

Thank You XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-27
Company: Chime Financial Inc
State: AL
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble getting information about the card

Complaint:
Chime ( prepaid bank card ) closed my account/card over a month ago with no reason or warning given. I have direct deposits that are missing in limbo due to this action made by Chime and also I can not activate my funds and services offered by Chime that I originally opened the account for in the first place. Chime is unreachable in regards to an explanation or reason as to why this has happened. I understand they apparently have the right to close any account for any or no reason as stated in their account agreement, however, shouldn't they be held accountable for notifying their clients " X '' amount of business days prior to doing so? Therefore, providing consumers with a chance to find another avenue for our financial needs and we don't end up without our payroll checks or access to funds? Only to hit a dead end street? Please help SOMEONE?!?!?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-20
Company: JPMORGAN CHASE & CO.
State: IN
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: Card was charged for something you did not purchase with the card

Complaint:
I have a commercial business card with my XXXX that is used for travel ( J.P. Morgan Chase ). On XX/XX/XXXX the university business office associate who handles processing of charges on these cards emailed me regarding unreconciled charges on my card of {$1300.00} CAD from XXXX XXXX and an international transaction fee of {$10.00} USD - these charges were from XX/XX/XXXX. 

These were fraudulent charges from an XXXX national purchasing a ticket from XXXX XXXX to XXXX. His name and passport information were included in the ticket, and the ticket number was on the credit card statement. The individual 's name and information were confirmed with a call to XXXX XXXX referencing the ticket number ( confirming that the charge was not from me ). I promptly called JP Morgan/Chase fraud department and reported it, but the time frame of catching the fraudulent charge was outside of their window and thus I filed a police report with our local jurisdiction, which was investigated and handed over to the FBI as the individual who used my card as fraud was an XXXX national and not a US citizen. They have assured me that we will not hear back from the FBI regarding the case, and that it is out of local police 's hands. 

I have since then been pressured by my university and the bank to pay, out of my own pocket, this charge. I believe I am entitled to an investigation as the evidence is very, very clear who the perpetrator was, down to his passport information. This was n't just a credit card charge to a random website, but was from an established airline with a clear ticket number that was not from me. 

If the CFPB can do anything to help me, I would be greatly appreciative.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-12
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
incorrect info on my account. 

XXXX { car Loan } shows a late payment in XX/XX/2020 i am in deferment due to covid-19. so i wont have a late payment on my account. This is incorrect info and has dropped my credit score. 
2. XXXX XXXX. account is current. same info. covid-19 deferment XX/XX/2020 2020

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 2020-07-11
Company: CITIBANK, N.A.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
This is regarding a Citi card. I purchased an airline service and made the payment on the due date. I got another statement with a new balance. I called the customer service on XX/XX/2020, regarding my statement and I was told that I have a balance which is regarding the membership fees of the credit card. I spoke to the customer service and paid the fee {$99.00} on XX/XX/XXXX. I was told that there was a late fee but they will remove after I requested. Therefore, I was getting 1-800 calls regarding my due balances. I kept telling them that I made my full payment and I was promised to remove the late fees. The credit card company keeps adding a {$27.00} late fee every month and harassing me to report for debt collection. I sent my written appeal with a detail via a certified mail in XXXX. I explain to them and there is no response. I need help. Thank you.

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 2020-07-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA
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 was buy some medical in an pharmacy named " XXXX XXXX '' with my BOA credit card in XX/XX/2020, but I was charged twice! I submit an ticket to dispute the charge but danaid by BOA. I should only be charged {$160.00}, but I charge twice!

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 2019-03-08
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:
Dear Sir or Madam, I feel I have been a victim Several Data Breaches resulting in possible Identity Theft. The latest being Equifax Information Systems. The Items I have identified and highlighted on my credit report do not relate to any account or transactions that I have made or have applied for. Several Inquiries have occurred as well all which have hurt my credit score I value. Please block, remove, update or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-05
Company: TD BANK US HOLDING COMPANY
State: NC
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I took out a loan with TD Auto finance in XX/XX/XXXX. I have made my payments on time. My payments were {$390.00}. I often paid more than my {$390.00} payment. In XXXX TD Auto Finance reduced my payments to {$190.00}. At first I continued to pay {$390.00}. and called the company to see why my payment amount had changed. I spoke with a XXXX who told me that I was over paid on my account. I initially wanted to continue to overpay at {$390.00} but I wasn't seeing the amounts that I was paying reflected in my bill. I started paying the amount that they billed me and they are now telling me that yes they changed the payment amount but I have to pay my original amount even though I am overpaid and don't see a reduction in my bill that matches how much I paid over my bill amount. The company has called me repeatedly for weeks, texted me and they are telling me that I have defaulted on my loan. I am paying the amount that they are sending me to pay each month. I can be reached at XXXX. I want to talk to a person and explain. 
Sincerely. 
XXXX XXXX

Company response to consumer: Closed with explanation