BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-12-24
Company: COMMUNITY CHOICE FINANCIAL, INC.
State: TN
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Struggling to pay your loan

Complaint:
I have not had any hours at work and have been unable to pay my payday loan back to Easy Money at XXXX XXXX XXXX XXXX in XXXX TN XXXX. They have called me repeatedly and I have told them I do not have any money for repayment. 

On XX/XX/XXXX, they contacted my place of work and I was reprimanded by my boss for them calling. I called the store and requested they never call my place of work again. 

On XX/XX/2019, they once again contacted my place of work. 

On XX/XX/2019, my boss contacted me to let me know he would not be needing me for the next several weeks. When I asked why, he implied that I was not financially stable and needed to take care of my home life. 

Easy Money has continued contacting my place of work and my personal cell phone. Each time I tell them that I do not have any income. 

On XX/XX/2019, they once again contacted me. XX/XX/XXXX fell on XXXX XXXX this year. The call was incredibly inconvenient and I was forced to answer in front of family and friends during our holiday. It was very stressful and irritating.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This account is showing delinquent late payment which is inaccurate. Please remove the late payment off my report ASAP. 

ACCOUNT NUMBER : 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 2024-01-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
I just obtained and reviewed the copy of my credit reports. It seems that the Bureaus are reporting Inaccurate information resulting to lower my credit scores. 

Please see the attached PDF file on this complaint. These are the letters I submitted to the involved Bureaus and my personal documents attached to it.

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 2023-11-03
Company: Experian Information Solutions Inc.
State: GA
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:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against 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 2024-01-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting 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 ) I have made. It is the result of identity theft. 

I have contacted XXXX many times dealing with identity theft information on my credit I sent the FTC report, Police Report, identity theft items, and Personal documents. and they broke the FCRA law, by not including my documents in my disputes in doing the dispute process. these accounts is damaging my good name. I will be filing a lawsuit.

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 2022-01-20
Company: CBC Companies, 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: Credit inquiries on your report that you don't recognize

Complaint:
Have inquiries that I am not aware of on my report. I have called XXXX customer service to have them removed and they have not helped me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14
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:
According to my research about FCRA 605, credit bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported is creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that CREDIT BUREAUS must remove are listed below : XXXX XXXX XXXXXXXX XXXX XXXX XXXX, NC XXXX XX/XX/2022 ; XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XX/XX/2022 ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX ; XXXX XXXX XXXX XXXX XXXX Balance : {$3300.00} ; XXXX XXXX XXXX XXXX XXXX XXXX : {$17000.00} XXXX XXXX XXXX  XXXX Balance : {$4300.00}.

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 2022-01-20
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I noticed an account on my credit report in XX/XX/XXXX from a XXXXXXXX XXXX XXXXXXXX XXXX I notice it was a couple of late payments and it looked like it had been opened since XXXX of XXXX. I didn't know about this because I don't have credit monitoring services. I contacted XXXX on XX/XX/XXXX but I was told by customer service I would have to send in a fraud affidavit with the fraudulent information because I didn't have the account information. I sent over my fraud affidavit along with a copy of my ID and a letter explaining I was a victim of Identity theft, it was received by the credit bureaus on XX/XX/XXXX and was verified as accurate on XX/XX/XXXX. I never received anything from XXXX, not a phone call or a letter. On XX/XX/XXXX, I sent the same documents over to the bureaus and on XX/XX/XXXX, the account came back verified again and the same thing, nothing from XXXX. On XX/XX/XXXX I sent the same documents again to the credit bureaus and XXXX verified the account as accurate on XX/XX/XXXX. I am now sending documents directly to XXXX and filing a complaint because I don't know exactly what to do at this point. It is hurting my credit score and hindering me from obtaining any kind of credit at this point.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-08
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:
XXXX XXXX. XXXX XXXX, XXXX, CA XXXX Experian XXXX. XXXX XXXX, XXXX, TX XXXX XXXX   XXXX. XXXX XXXX, XXXX, GA XXXX Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 
XXXX XXXX The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims credit reports, blocking fraudulent information from appearing in victims credit reports Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX TER, XXXX, FL 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 2024-01-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I implore you to conduct a comprehensive investigation into this issue and promptly correct this mistake. Your swift response to this matter is highly valued and appreciated.

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 2023-03-14
Company: Experian Information Solutions Inc.
State: CA
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:
XXXX  XXXX balance $ XXXX Sent a check for total balance {$100.00} on XX/XX/XXXX, check # XXXX. 
XXXX XXXX claims they didn't receive the check and applied fees of {$25.00} On XX/XX/XXXX. 
On XX/XX/XXXX I travelled overseas to attend to my father in hospital having a XXXX XXXX. 
I returned on XX/XX/XXXX. 
On XX/XX/XXXX XXXX XXXX charged further {$40.00} to bring the balance to {$160.00}. 
I did call XXXX XXXX when I realised the charges on my statement and I explained that a final total payment was sent back XX/XX/XXXX! Can they fix their records as I just got notified by the credit Bureau about late payment. After long detailed conversation with XXXX XXXX explaining about the unawareness of the lost check payment, travel and insignificant amount not paid they still went on and reported the late payment a day later and damaged my credentials as if they didn't care! I find this action is harsh and unfair especially explanation offered when I was notified and settlement was made. XXXX  XXXX damaged my credit by XXXX point down across the three credit Bauru 's. XXXX XXXX ignored the credit consumer protection bureau laws : XXXX XXXX has violated my rights under 15 USC 1681 Section 602 states I have the right to privacy, 15 USC 1681 Section 604a Section 2 also, states a consumer reporting agency can NOT furnish an account without my written consent finally under 15 USC 1666 b a creditor can NOT treat a payment on credit card account under an open 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 2023-11-03
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I do not have any idea regarding these fraudulent accounts on my credit report. These accounts are not mine.

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: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This is one of my numerous complaints that I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. The account I am disputing does not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. This account is unknown to me. Also, I have doubts in their accuracy and the reported payment history on some account is a mystery to me. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. 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 2022-01-14
Company: Chime Financial Inc
State: MN
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
Hi XXXX, We noticed some suspicious login activity relating to your Chime account. A hold has been placed on your account ( s ) until we can verify this activity. 

Please see below for further details and instructions on how to submit an appeal to lift this hold. 

What Happened During routine monitoring of accounts on Chimes platform, we noticed suspicious login activity on your Chime account. 

What We Did A hold has been placed on your account in order to safeguard your funds. 

How This Affects You This hold will remain in place until your identity can be verified. Unfortunately, you will be unable to use your Chime XXXX XXXX XXXX or sign in to your account on the Chime website or mobile app during this time. 

What Is Needed From You To submit an appeal to lift the hold on your account, please provide the following items for verification : A copy of both the front and the back of your primary government-issued photo ID ( such as a Drivers License or State ID card ). 
A photo of yourself ( selfie ) holding your photo ID and a piece of paper with your name and todays date written on it. 
Proof of the social security number on file. 
Confirm the email address that should be on file. 
XXXX XXXX for Appeal Review of your appeal will typically be completed within XXXX business day of receiving all verification items. 

Please note : Additional items may be requested after initial review if your documents do not sufficiently verify your identity. The timeline is typically extended by XXXX to XXXX business days for each additional submission. 

How to Contact Us Please reply directly to this message and attach the requested items. All documents must be sent in XXXX, XXXX, or PDF format ( we do not accept XXXX or other document formats ). 

If you need clarification on the requested items above, or assistance in submitting your documents in the correct format, please let us know and we will be happy to assist you. 

Sincerely, The Chime Team What do I do when I haven't gotten a new ID yet? Would my work badge work that has a picture on it? Please let me knpw. 

don't have a copy of my social security card it is being mailed to me. If you have any questions please let me know. 


It just keeps going on like this

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-05
Company: EQUIFAX, 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: Account information incorrect

Complaint:
A medical collection account keep reappearing on my credit report. I have no knowledge of this account and I did not sign a contract nor did I give anyone permission to give out my personal information. My only conclusion is this account may be from a workers comp claim from my employer, which I am not liable for, also all claims and bills for that claim was satisfied by workers compensation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-06
Company: EQUIFAX, INC.
State: IN
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:
As per the Fair Credit Reporting Act, specifically 15 USC 1681 section 602 ( a ), it emphasizes the importance of consumer reporting agencies conducting their responsibilities fairly, impartially, and while respecting the consumer 's right to privacy. Equifax and XXXX are recognized as consumer reporting agencies, and as a consumer, you hold the right to ensure the protection of your private information, as supported by 15 USC 6801.

Under 15 USC 1681 section 604 ( a ) ( 2 ), it is stated that a consumer reporting agency may only furnish a consumer report based on the written instructions of the relevant consumer. The financial institution, classified as the " Furnisher of information to credit agencies '' in this case, falls under the definition of a financial institution according to the relevant title. Therefore, both the financial institution and consumer reporting agencies such as Equifax and XXXX do not possess your consent to furnish your information, specifically without your written consent, as mentioned in the statute. 

Furthermore, 15 USC 6802 ( b ) ( c ) explains that a financial institution is prohibited from disclosing nonpublic personal information to nonaffiliated third parties unless the consumer is informed of their option to exercise nondisclosure. In this case, the " Furnisher of information to credit agencies '' failed to inform you of your right to exercise the nondisclosure option, which is a violation. 

Additionally, 15 USC 1681C ( a ) ( 5 ) states that a consumer reporting agency is not authorized to include certain items of information, including adverse items, in a consumer report without your permission, unless permitted under subsection ( b ). Therefore, their reporting of this adverse item without your permission is a violation of the law. 

Moreover, 15 U.S. Code 1681s2 ( A ) ( 1 ) stipulates that a person must not provide any information to a consumer reporting agency if they know or have reasonable cause to believe that the information is inaccurate. Equifax and XXXX are required to maintain reasonable procedures to avoid violations of section 1681c and to restrict the provision of consumer reports to the purposes listed under section 1681b, as outlined by 15 U.S. Code 1681e.

Lastly, according to 12 CFR 1016.7, a consumer has the right to opt out of reporting services at any time. Therefore, I am exercising my right to opt out of their reporting services.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Hi I have been trying to get this account to update on my credit since XXXX 2017, this account is keeping my score from updating, and I am trying to purchase a home for my family of XXXX. i paid this joint account XXXX XXXX, 2017 in the amount of {$850.00} as a settled amount to close the account with the company. the full balance on the account was {$1800.00}. They updated the account by subtracting the amount but not closing the account and marking it as settled and closed. All three of the major crediting reporting agency are giving me the same problem, Transunion, XXXX, and XXXX. Transunion updated it on my wife credit report. All I want to do is repair my credit and buy a home for my family. I have attached a letter that the branch manager gave me as well as my receipt for the transaction.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-01
Company: LoanCare, LLC
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Our mortgage was serviced by Loancare on behalf of XXXX who purchased our loan. We paid off the mortgage in full in XXXX of XXXX. We received a loan payoff notice on XX/XX/XXXX from Loancare acknowledging that they would " forward the satisfaction/release of mortgage to the courthouse for proper removal of the lien ''. To date, they have not done so. It is now XX/XX/XXXX. This is in excess of 18 months. 
We spent the last year and a half attempting to get our stock certificate returned to us to no avail. Loancare would not admit they were not in possession of it and we had to explain on end for hours how a cooperative building worked and that we needed our stock certificate or an affidavit to be provided stating that they were not in possession of ( lost ) it. After having multiple tickets opened up that led nowhere, we finally got the CFPB involved and that deficiency was resolved. 
I am hoping the CFPB can help us again this time as we have tried numerous times to get our lien removed since we resolved the last issue, but it looks like XXXX no longer has record of our account with them ( we've been paid off for over a year and a half now ). We are selling the apartment, but are once again being held hostage because Loancare 's gross incompetence in following through on procedures is preventing us from having a clean title.

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