BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, 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:
there are 3 credit inquirys on my report i didnt authorize and i havent got a crd from they are XXXX XXXX ( Bank XXXX XXXX XXXX XXXX XXXX XXXX ( Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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: Problem getting your free annual credit report

Complaint:
I 'm desperate and looking to you to help as the only consumer advocate I 've got!! 
Tried to get access online to my credit reports though XXXX also by phone. 
I provided all the information that was requested to all 3 agencies. 

Online : the response today Mon. XXXX XXXX at approx. XXXX all 3 reporting agencies were unable to compete my request for my credit reports. 

By Phone : Request could not be completed. 

TransUnion : Unfortunately your request can not be fulfilled online at this time, based on the data provided. TransUnion XXXX : Error Information Http Status 400 Group 11 XXXX : We are not able to deliver your free XXXX annual credit report online. 

I then proceeded to call : The automated system could not deal with my XXXX accent..the message I left was repeated back to me did not hear my name correctly..the automated system would not let me finish and kept speaking over my answers to the questions. 
Surely using the phone alpha. and numeric system would overcome the above problem.
No Live persons were involved. 
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 non-monetary relief
Consumer complaint received 2023-06-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXXXXXX 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

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 2022-03-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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 Fair Credit Reporting act XXXX  Account " XXXX XXXX XXXX '' with the balance of {$1100.00} has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2020-10-22
Company: SYNCHRONY FINANCIAL
State: IL
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:
Synchrony/Belk is falsely reporting to the bureaus that I have a balance with them on a charged off account. They have not reported to the bureaus they transferred/sold this account almost a year ago. They continue to report to the bureaus that I have a balance with them that they have charged off. They did not notify the bureaus that they do not own the account and they did not notify me in writing of the creditor to whom they transferred/sold the account. I also wrote to the bureaus to request they delete this account based on inaccurate reporting but the account is still being reported. They are in violation.

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 2023-01-30
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 submitted a letter to the XXXX Credit Bureaus to fix these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XX/XX/2022 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2022

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 2020-07-27
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: Information belongs to someone else

Complaint:
I am a victim of identity theft this is so unbelievable someone has hack into my personal information. 
and open fraudulent Accounts and its seem as if they are applying for credit and shopping for a car please help me resolve this situation every account on this report is fraud

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 2023-01-18
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

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 2023-06-23
Company: Conn's, 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:
The account in question is reported to have a derogatory rating, which is greatly concerning to me. I am worried about the impact it may have on my credit, as I have recently been denied a loan and my existing credit accounts have experienced increased interest rates. I want to emphasize that this negative rating has caused significant financial distress for me, and if left unresolved, it will continue to affect me both financially and emotionally.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-12
Company: EQUIFAX, INC.
State: NY
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:
To whom it may concern After I made the decision to use my rights under FCRA, I was looking to challenge any inaccurate information in my credit reports. By ghting back against this injustice, I am ensuring that the information on my credit report is accurate and reliable. I have every right to challenge any inaccuracies in a manner compliant with federal law when they are impacting my credit score and my ability to get loans. This is just an allegation. There's no proof that I'm delinquent or derogatory, so how can you report this? With all due respect, the claims within my report are wrong! You have to follow proper procedures if these claims are in your system and to be used in my credit reports! I challenge the accuracy and fairness of your ndings by demanding evidence before you make any claims and take such drastic measures against my reputation. I know that you cant just decide which rules apply to your organization, so I won't let anyone report any false claims. It's important to make sure all of your claims are accurate and reported in the correct format- this is required by law ( FCRA ) as well as Metro 2 standards. For any negative account, I demand documentation/proof proving why your company considers it delinquent or derogatory. You have yet to provide me records documenting how your company veried and validated these accounts/claims. Your proof of each negative claim you placed on my credit report should also include proof of a permissible purpose for any inquiry into the account. It's time for me to get my life back! I need you to send over some physical proof of what has been done and an updated credit report. Either conrm that this matter has been reported correctly or remove it from the report immediately. I am giving you 30 days to investigate. These allegations are without merit. Please provide accurate and veried information for each claim. If any of these claims are not true, please delete them immediately so I can restore my good name.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-26
Company: SYNCHRONY FINANCIAL
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have made numerous attempts to resolve this issue. I have sent numerous faxes and letters in regards to this debt. I was served to state this is a debt owed yet when I contacted the owner of said debt no response. When I requested proof of said debt no response. I have left numerous messages. I have contacted the attorney of record, debt collection agency, and the original owner of said debt to no avail.

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 2017-09-18
Company: Law Offices of Timothy M. Sullivan
State: OH
Product: Debt collection
Sub-product: Payday loan debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX of this year I took out a loan with this company. Things feel apart after, They began to take money out of my account on a random basis and multiple times a week, I had to contact my bank, file a fraud report with them. I filed a BBB compliant as well. I had to change my debit cards and my checking account information. This company took money from me ranging in amounts of XXXX to XXXX per week. I have correspondence from all of this including the BBB incident number XXXX. So over the weekend I get a letter they have turned me over to collections for this huge amount. I am beyond upset, I do n't owe these people money, they took advantage of me, and now to have them attempting to collect this is horrible. I have submitted to the collection agency who is XXXX Offices of XXXX XXXX and their number is 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 2023-01-18
Company: EQUIFAX, INC.
State: WA
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 fair reporting act, the following lit of accounts below as violated my federally protected consumer rights privacy confidentiality under. 15. USC 1681 uner 15 USC 1681 sec. 602 ( A ). 15 USC 1681 sec 604 ( A ). 15 USC 1681 ( A ), ( 5 ). 15 USC 1681 sec 2 ( A ) ( 1 ).. I would like these accts removed from my credit report immediatley and any other accts not listed alon with all inquiries. 

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

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-29
Company: Weltman, Weinberg & Reis Co., L.P.A.
State: CT
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
My father-in-law passed in XXXX XXXXhe had an outstanding balance of {$270.00} and collection company claims charges made after his death? The card was cancelled when he passed. I called Weltman, Weinberg & Reis after I received a letter from them since all my father-in-laws mail was forwarded to me after his death. I received a threatening letter on XX/XX/XXXX and called them on XX/XX/XXXX. I advised them there was no estate and that I only handled his mail. I told them to stop sending letters to the estate since there was no estate. Since my phone call on XX/XX/XXXX, I have been receiving daily phone calls every day at XXXX since last year. I have called numerous times and said stop calling my home number everyday. I am the son-in-law, no estate and there is nothing to collect from! I called again on XX/XX/XXXX and told them I am on the Do Not call Registry and this is harassment. I am not a representative of XXXX XXXX and I am being called on my home phone daily with a recorded message since last year! I told them there is no estate to collect from and I am the son-in-law. This needs to stop ...

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-18
Company: Santander Consumer USA Holdings 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 have pulled my credit to find out there is a repossession of a vehicle linked to my name and personal information. I have never purchased a vehicle and would like this deleted from my credit files immediately. I have contacted the company and was advised I appeared as a consigner to a vehicle and that the car had been repossed. I have no knowledge of this and would demand this be deleted immediately from all my credit files as this information is innacurate and misleading as it 's fraud. I am requesting the company to provide proof and they ca n't provide anything that I opened this account such as id state issued, driver license, passport, social security card and they have none of this on file apparently

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-27
Company: EQUIFAX, INC.
State: TX
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:
Unauthorized credit inquiry by creditors are reporting fraudulent inquiry into my crtedit profile

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-26
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Equifax is reporting a closed student loan account over 180 days past due. I have had my student loans consolidated and they are reporting in good standing. The open consolidated student loan account ends in XXXX is in good standing. Equifax is reporting an account that ends in XXXX as currently closed but has an active date of XX/XX/XXXX but it's been closed since XX/XX/XXXX and my loans have been consolidated for over a year. There is no history of payments provided either to show I was over 180 days late. 

I have tried submitting a dispute to get the account removed and Equifax commented this account is not currently reporting on my Equifax credit file and it is. It's not been updated nor Equifax didn't investigate this. They are reporting inaccurate information because it's not showing the history of the account and it's clear the account is on my report. 

I have attached my credit report, the letter that I sent to Equifax, and their investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-29
Company: Bread Financial Holdings, Inc.
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
On XX/XX/2020, I was contacted by Comenity regarding my XXXX XXXX credit card payment being late. I advised I was having some financial hardship due to Covid 19 and requested their payment relief assistance program. The representative offered just a payment extension that would not have notated my account i was having a hardship and still possibly make me subject to late fees. When I declined this and requested again specifically for the Covid 19 hardship the representative rudely asked if I wouldn't be able to come up with a minimum payment of just {$35.00} in another month. I then requested to be transferred immediately. 

Afterward I was still annoyed but couldn't bare to speak to another rep because I had also gone through SEVERAL issues getting my first online order placed because reps kept making mistakes and I kept having to call back. Instead I sent an online message advising of the issues and my dissatisfaction and requested the small courtesy of refunded late fee and finance charge, and I paid the card off in full minus the amount of late fee & finance charge rather than accept the covid 19 hardship and possibly have to deal with any of these people again. 

They responded with an agreement to refund the late fee and the finance charge JUST on the amount of the finance fee. I did not realize the difference until XX/XX/XXXX, and I then requested the remainder of the finance charge also be refunded for my continued disappointment in their customer service. On XX/XX/XXXX I received a response stating they would not be refunding the remaining charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-18
Company: AES/PHEAA
State: NC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I took out a significant amount of student loan debt to attend XXXX XXXX ( XXXX ). One year after starting my XXXX XXXX, I applied for income-based repayment in anticipation of completing ten years in public service to qualify for the PSLF program. I started my payments in XXXX XXXX. I submitted employment certification forms in XXXX XXXX. Only my last two loans for XXXX XXXX qualified. And each of those two loans only had a 14 months and 5 months of my XXXX  payments counting towards the total, whereas it should be 24 months ( since I paid IBR for 24 months during my residency ). Therefore I called FedLoan to check on what was going on. 

I talked to one person this morning, who told me that only the two loans from my last year of XXXX XXXX qualified. He told me that I needed to consolidate my previous loans for them to qualify for PSLF. So he transferred me to a different department, who then told me that once I consolidated, all of my previous five years of payments could not count at all and that the countdown would restart at ten years. 

Needless to say, I was quite irate. I had been told by multiple parties that I should NOT consolidate because it would disqualify me from PSLF and the protections afforded from it. FedLoan took over the majority of my loans when the recession started in XXXX, so I ( wrongly apparently ) assumed that the loans were all under the same roof, so to speak. The entire process of PSLF has been very vague and cumbersome. 

This is not working. And I feel as if I am being screwed over. Any help would be greatly appreciated. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-17
Company: Chime Financial Inc
State: NE
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
Due to an issue with my XXXX account being hacked, I was concerned about the safety of my account. However, my phone was experiencing a lot of difficulty and malfunctioning. I reached out to ask what my options were and if there was a way to secure the account without having to use the phone number to reopen it, Instead of responding with options, they immediately closed/locked the account and did not secure the card number which meant if there was a breach of my account, the problem was unresolved. 

I tried to inform them that this was not helpful, but they had already taken this action and I was told to prove my identity with a picture of me and my photo ID. 

Unfortunately, my phone is dead and to get said picture I had to use someone elses phone. I sent the requested picture and was then redirected to the beginning of the process. They asked me to prove my identity again with the picture. I did. They asked me to do it a third time. I am currently working on it, but Im furious. I cant get XXXX presents for my family right now due to this entire issue. 

I also have had a variety of issues with their customer service. When Ive called them, I have been put on hold for hours immediately after informing them I am XXXX XXXX. Eventually, I asked someone else to call chime shortly after me to see if this was a reaction to my hearing loss. We both asked about the same issue. I said I was XXXX and got put on hold for seven hours. The other was done with their call in about an hour. 

I am sickened by the awful customer service and failure to protect, secure, and assist their account holders. I wish to close my account, but was told I have to prove my identity despite having done so multiple times already.

Company response to consumer: Closed with explanation