BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-25
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - XXXX 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 2022-01-17
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I recently known the following inconsistencies in my Personal Information, and I would like to have all of the false and misleading information removed from my credit report. These inaccuracies have harmed my creditworthiness and limited my ability to obtain fresh credit, and I have been contesting them for a long period. I've made a list of the details on my personal information that is falsely reported and that must be removed immediately. 
Name : I do not have any other names or aliases required, and I do not want any other names or aliases to be kept or disclosed. 
Address : I do not have any additional current addresses, and I do not want other addresses to be kept or disclosed. 
Birthday : I do not have any other dates of birth that are required, and I do not want any other dates of birth to be kept or disclosed. 
Employers : I do not work for these employers listed and I don't want them to be kept or reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-13
Company: M&T BANK CORPORATION
State: VA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem with the payoff process at the end of the loan

Complaint:
I had a Home Equity line of credit with my bank M & T XXXX XXXX XXXX MD XXXX I sold my condo and went to closing on XXXX/XXXX/21. I closed all my accounts with M & T bank because I moved to XXXX  Va where there are no M & T banks. It is now XX/XX/XXXX a full month after the Line of credit was paid off and my accounts were closed, however M & T bank has not yet listed my line of credit account as closed. In addition the loan has a - {$610.00} balance they owe me at the same time they want me to pay them {$95.00} left due on my overdraft protection account. As the checking account is closed I have no way to pay this amount due online. I want these accounts closed and listed as paid in full. My credit score dropped 45 points in 1 day due to this mortgage loan on a home I sold at closing a month ago. I want the left over line of credit funds used to pay the overdraft protection amount due. As soon as possible as this continues to hurt my credit score. I have sent notarized letters requesting this resolution but it has been over 2 weeks since M & T acknowledged receiving notarized letter yet accounts still listed exactly as they have been incorrectly for weeks.

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 2019-09-23
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:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft

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 2023-11-13
Company: Experian Information Solutions Inc.
State: TX
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: Investigation took more than 30 days

Complaint:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see XXXX XXXX ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

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 2022-11-10
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:
ACCORDING TO 15 U.S. CODE 6803-DISCLOSURE OF INSTITUTION PRIVACY POLICY, AND ACCORDING TO U.S. CODE 6802- OBLIGATIONS WITH RESPECT TO DISCLOSURES OF PERSONAL INFORMATION. ( b ) OPT OUT ( 1 ) IN GENERAL A FINANCIAL INSTITUTION MAY NOT DISCLOSE NONPUBLIC PERSONAL INFORMATION TO A NONAFFILIATED THIRD PARTY ( XXXX, EQUIFAX, AND XXXX. ) UNLESS- ( A ) SUCH FINANCIAL INSTITUTION CLEARLY AND CONSPICUOUSLY DISCLOSES TO THE CONSUMER, IN WRITING OR IN ELECTRONIC FORM OR OTHER FORM PERMITTED BY THE REGULATIONS PRESCRIBED UNDER SECTION 6804 OF THIS TITLE. ALSO ACCORDING TO THE " GRAMM-LEACH-BLILEY ACT '', FINANCIAL INSTITUTIONS MUST TELL THEIR CUSTOMERS ABOUT THEIR INFORMATION-SHARING PRACTICES AND EXPLAIN TO CUSTOMERS THEIR RIGHT TO " OPT OUT '' IF THEY DON'T WANT THEIR INFORMATION SHARED WITH CERTAIN THIRD PARTIES. UNDER THE FDCPA, A COLLECTOR MUST PROVIDE YOU WITH INFORMATION ABOUT THE DEBT IN ITS INITIAL COMMUNICATION OR WITHIN FIVE DAYS AFTER THE INITIAL COMMUNICATION. ALSO, THE FDCPA STATES, " YOU CAN NOT ATTEMPT TO COLLECT AN DEBT WHILE A PERSON ( THE CONSUMER ) SUPRESS VALIDATION. XXXX, EQUIFAX, XXXX, AND THE ACCOUNTS LISTED BELOW HAVE CLEARLY VIOLATED MY RIGHTS : XXXX ACCOUNT # XXXX, XXXX XXXX XXXX ACCOUNT # XXXX, XXXX XXXX XXXX XXXX ACCOUNT # XXXX, XXXX XXXX XXXX ACCOUNT # XXXX, XXXX XXXX XXXX XXXX ACCOUNT # XXXX, AND XXXX  ACCOUNT # XXXX. FAILURE TO RESPOND SATISFACTORILY WITH DELETIONS OF ALL THE ABOVE ACCOUNTS WILL RESULT IN LEGAL ACTIONS BEING TAKEN AGAINST, XXXX, EQUIFAX, XXXX, WHICH I'LL BE SEEKING A {$1000.00} PER VIOLATION FOR DEFAMATION OF CHARACTER ( PER SE ) NEGLIGENT ENABLEMENT OF IDENTITY FRAUD. 15 USC 1681 VIOLATIONS FOR WILLFUL NONCOMPLIANCE-616 CIVIL LIABILITY FOR WILLFUL NONCOPLIANCE.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-18
Company: Experian Information Solutions 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:
Despite multiple written requests, the unverified accounts listed below continue to report on my credit report, in violation of federal law. I included a date on the last letter I submitted to the 3 credit bureaus XX/XX/22, but no answer was received. These accounts must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If the credit bureaus do not authenticate these accounts, I will take legal action against them. Please abide with the law in order for this matter to be resolved promptly. 


XXXX XXXX XXXX Account Number : XXXX ; XXXX XXXX XXXX XXXX Account Number : XXXX ; XXXX XXXX XXXX Account Number : XXXX ; XXXX XXXX  XXXX XXXX Account Number : XXXX ; XXXX XXXX XXXX ( XXXX Account Number : XXXX ; XXXX XXXX XXXXXXXX XXXX Account Number : 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 2023-08-11
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:
I want to inform the XXXX and TransUnion Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX  Date Filed/Reported : XX/XX/XXXX Reference # : 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 2022-12-24
Company: Winklevoss Exchange LLC
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
Gemini cryptocurrency exchange has frozen customers money in their earn program. No proper disclosures and false email claiming they didnt have any connection with the collapse of XXXX .

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-17
Company: R & B Corporation of Virginia
State: NV
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whetherit 's a charge off? The balance is in fact wrong, please make sure to reverseit to XXXX or remove the item fully. Please also producedocumentation toverify all the charges and credits in this supposed account that caused to theextremely high credit figure you might have displayed on my account. My demand to present these records is a standard information demand in accordance with myrights honored within the fair credit billing act. If you fail to give these detailsper my civil rights petition, please make sure you quickly remove this specificwrong posting.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-20
Company: WELLS FARGO & COMPANY
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
I'm a XXXX military member that recently came home from XXXX XXXX orders. All of my payments are up to date and never more than 30 days late. Wellsfargo my home mortgage company just reported me for late payment over 30days. These payments were to be automatically deducted from my account. It seems that they tried to withdraw the funds from my account but it didn't go through. Wellsfargo then stopped accepting my automatic payments. I did not know this had occurred because I'm signed up for paperless billing. Once I noticed by signing into the account. I immediately paid the account. 

We are also in the middle of a pandemic. Transitioning from XXXX XXXX to civilian life has been very challenging during these hard times of the pandemic. I understand they are not allowed to report late payments during the pandemic. As you can see from my credit report I've never been late on any payments. This reduced my credit rating by XXXX points. 

I need this to he removed immediately as I'm trying to refinance my home and will greatly impact the results. Could you please help?

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 2022-01-20
Company: Chime Financial Inc
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
In early XX/XX/2021, I attempted to log into my Chime account and received a pop up telling me the account was closed and to contact XXXX. 

Since then, I have called and emailed Chime Member Services no less than 10+ times and have not been able to receive a straight forward answer. 

Twice I was told my account was indeed active, though it wasn't and I had no way to access funds. 

Several times, I was told my balance would be mailed to me via check within 30 days of the account being closed. It's now been 45 days and I've not received a check with approximately {$3300.00} that was left in my savings and checking accounts with Chime. 

I'm filing this complaint as I've been left with no clear option to get in contact with Chime for a clear answer as to why my account was closed and when I would be receiving the check with the balance left on my account at time of closure.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-28
Company: The Aligned Company DBA Extra
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I DIDNT HAVE ACCESS TO MY EXTRA ACCOUNT BECAUSE PHONE WAS STOLEN AND WALLET, GOT NEW NUMBER. TRIED CONTACTINGEXTRA FOR MONTHS, SENT EMAILS. TRIED TO CALL. NOTHING GOT RESOLVED. THEY CLOSED ACCOUNT BEFORE I COULD RESOLVE ANYTHING. I HAVE NEVER BEEN LATE, THEYVE BEEN LYING ABOUT LATE PAYMENTS ON MY REPORT! ALSO SENT DISPUTE LETTERS FOR A YEAR AND NOTHING HAS CHANGED NOR HAVE THEY RESPONDED! 


I GOT XXXX  AND LOST MY JOB AROUND THAT TIME AND MY CREDIT HAS AND IS STILL BEING AFFECTED BY THIS!

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-28
Company: First Credit Services Inc.
State: MS
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/2023 I sent a letter to first credit services to verify the debt. Instead they sent me a bill or statement that is not required by FDCPA

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-21
Company: Navient Solutions, LLC.
State: TX
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I have been making payments on my student loans with Navient ( previously Sallie Mae ) for years. I have been struggling to make payments consistently and even now, the only programs they offer me are interest only payments which still are close to {$600.00} per month. The only reason I can afford them right now is because there are no payments on Federal Loans until XXXX, so my payments are {$300.00}. 
In the past, they constantly said they could only put me in forbearance which had a cost associated to it ( I think {$100.00} per loan ) which would only freeze my payments temporarily ( I think two months ). I would still accrue interest and it wouldn't help low my payments. Today, I still struggle to make payments and the only thing they offer me is interest only payments which are still too high and not going towards the principal. 
Additionally, at the time I took out private student loans, Sallie Mae was giving out private loans with very minimal restrictions. I used some of this money for private colleges that I never received a degree on and towards cost of living while in school. My loan balance quickly became high with little to show for it. I was a young borrower and a first time student loan borrower. There should be more restrictions, oversite, regulations and educations for borrowers so that they make the best loan choice. Knowing what I know now, I would have never borrowed a private loan and would have only selected federal loans. I believe they persuaded me into private loans by advocating that they were easier than federal loans to obtain.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-06
Company: CITIBANK, N.A.
State: DC
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Confusing or missing disclosures

Complaint:
I received a mailer in late XX/XX/XXXX sent by Citi Bank offering XXXX American Airline miles if meet three clear requirements : open a Citi Bank checking account, charge {$750.00} with a Citi Bank ATM, and make 2 payments using their electronic payment system. The offer required an application be made by XX/XX/XXXX. My personal reference number for the offer is XXXX. The fraud I believe is that unlike the 3 requirements noted above which are clearly note in the mailer, there also is a requirement to have a {$50000.00} balance some where in a Citi Bank account. This requirement, rather than being clearly disclosed, is in a long list of footnotes printed in tiny gray print which I believe is meant to deceive. Unless you give Citi Bank {$50000.00} in assets the offer is void. No where is this clearly disclosed. This in my opinion is a bogus offer meant to deceive you into opening a Citi Bank account since the {$50000.00} requirement is not clearly disclosed, and therefore the offered incentive will almost never be able to be claimed 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 2023-04-25
Company: Synter Resource Group, LLC.
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On multiple occasions, XXXX XXXX and XXXX has contacted Synter Reource and informed them the debt they are try to collect does not belong to us. On XX/XX/XXXX on a recorded conversation, XXXX XXXX XXXX ( Who synter resource keeps stating they can not get in contact with and i am able to with no problems ), along with me ( XXXX ) from XXXX XXXX XXXX XXXX, contacted synter resource on a 3-way call. XXXX informed synter resource that they are the responsible party and to stop contacting XXXX XXXX and XXXX. XXXX gave them permision to bill them as XXXX XXXX and XXXX has already paid XXXX for the shipment and that XXXX was the person to to request the shipping and requested to be billed to them. 

Once again i had a email sent on XX/XX/XXXX at XXXX, i emailed them back and asked to stop harrasing us and to cease comunication as we have no affiliation to southern freights and never gave them persmision to bill us for anything or and services performed. I also contacted them by phone the same day and requested the same. 

On XX/XX/XXXX i once again i recieved communication from synter recource requesting payment even though they know this debt does not belong to us. 

I have asked multiple times in writing and verbally for documentation showing us giving permistion to be bill and they have yet to provide that. They issued a document with no signitures from anyone a blank invoice.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-20
Company: TRANSUNION INTERMEDIATE 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: Account status incorrect

Complaint:
The XXXX XXXX XXXX account # XXXX updated with a delinquent status of " NOT_MORE_THAN_TWO_PAYMENT_PAST_DUE ''. or " 30-59 Days Past due '' This update took place after 7 months since the account was paid to zero and closed. The account was paid to zero with a payoff check which was issued and dated and processed by XXXX. 

XXXX received the payoff check prior to the months due date at the initial week of XX/XX/2021 which was confirmed by the dealer. 

i spoke with XXXX twice between the ending of XXXX, well into mid XXXX and confirmed the dealership in which the check came from. These calls were recorded and I still retain a photocopy of the check issued to XXXX XXXX which also has the issue date and mailing date attached. 

However, to my dismay XXXX took over a month to process the payoff check and now 7 months later falsely changed the status. This account was never paid late. Furthermore, this account was paid in full by XXXX of 2021 and is falsely reflecting a 30 days late and the closing date as XX/XX/2021. 

The account was closed in XXXX of 2021 and paid in full and NEVER late.

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 2023-09-28
Company: Bread Financial Holdings, Inc.
State: TX
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:
In accordance with the FAIR CREDIT REPORTING ACT, this creditor has violated my rights under 15USC1681 SEC 602 states I have the right to privacy.

15 USC 1681 SEC 604 A SEC 2 consumer reporting agency can not furnish an account without my written instructions.

Under 15 USC 166B, a creditor may not treat a payment late on an open credit card account. 

XX/XX/2019 late fees were attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-05
Company: Williams & Fudge, Inc
State: OR
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Williams and fudge trying to collect for a debt that is not owed to XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation