BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX XXXX XXXX XXXX XXXX Account # XXXX Opened XX/XX/2019 I been trying To resolve this matter for sometime now with your agency and with the cooperation of the debt collector that you allow to report an accurate information on my credit report with out my Permissible purpose its been well over 6 months now thats your allowing this dept collector to report inaccurate fraudulent information without proper verification I been a victim of identity theft and have proven it time after time and you still choose to report fraudulent inaccurate information on my credit report without my permission This collection found within my credit report are not related to any transaction that I made. I also submitted a complaint with the XXXX and FTC and also filed a Civil 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 2020-09-14
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: Was not notified of investigation status or results

Complaint:
I recently sent letters over 60 days ago to these bureaus and they are disregarding regular consumer disputes. I've sent multiple letters before this with no response and it has created a very stressful situation. The statute of limitations for the state of New Jersey have expired.

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 2020-11-25
Company: Experian Information Solutions Inc.
State: AL
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: Was not notified of investigation status or results

Complaint:
Attached are letters regarding inaccurate and unknown items on my credit report. Its been over 60 days and I still have not received notice or a response regarding this matter. There is no way that any of those items listed were considered verified or accurate ; when each item displayed inaccurate information across each bureau. I demand proof or immediate deletions after this complaint as for you are in several violation of the FCRA act. I feel like I am being taken advantage of and will seek legal counseling for punitive damages if this matter is not handled accordingly

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 2023-08-30
Company: EQUIFAX, INC.
State: FL
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: Their investigation did not fix an error on your report

Complaint:
By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-15
Company: Chime Financial Inc
State: CT
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I am a college student who decided to use Chime for banking but they held my account hostage and held onto my money even though I have provided them with a government issued ID as they requested. They claim there is a security breach even though they have no evidence. They sent me a link to upload my ID. Upon completing that, they sent me several seemingly generic messages stating that they didnt receive my ID. 

There are many reports of this companys fraudulent activities and I believe they are scamming consumers during tax season. I am requesting that my account be reinstated and compensation for the stress caused.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-29
Company: FORD MOTOR CREDIT CO.
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Confusing or misleading advertising or marketing

Complaint:
I went into XXXX XXXX XXXX XXXX Dealership in XXXX XXXX to purchase a new XXXX Truck. I knew the vehicle I had in mind, and the website allows for online finance and purchase ; however, I had a vehicle trade in that I needed to get appraised. Because of this, I would not have been able to purchase the vehicle online while trading in the vehicle for the amount I was quoted verbally. 

While being serviced by the sales man, they advised I had 2 choices according to management. 1 ) Purchase the vehicle for only {$5000.00} off MSRP, and I could finance wherever I wanted to get a low interest rate. 2 ) Get XXXX off MSRP and apply through XXXX XXXX XXXX. When they presented the offer of utilizing XXXX XXXX XXXX, they advised I can always refinance with another company if the interest rate is not what I wanted, which lead me to believe I was not going to be satisfied with the interest rate they would offer. 

I work in a financial institution ; therefore, I know that I am entitled to request interest rates without applying first. I asked the sales man XXXX who then advised he would have to ask the finance specialist. He came back and was told that the finance specialist declined the request to be provided the interest rates available, and I would need to apply first, and then speak to the finance specialist. 

Being backed into a corner, I decided to let my credit speak for itself. My credit is over XXXX, and my wife 's was over XXXX, and I more than qualified for the lowest credit rating available. When they came back, they advised my interest rate would be 6.09 %, which is absolutely unacceptable. I again was told I should refinance after closing on the loan. 

I proceeded to the finance department where I was in a recorded and monitored office. The conversation in the finance office should be recorded for the record. I again advised the finance specialist, XXXX, that I was interested in being provided the interest rate 's available, but that I was denied the opportunity before applying. He agreed and understood that the interests being offered is a requirement, but still did not provide the interest rates I requested, and continued with his process of offering optional products to add to this outrageous interest rate ; again encouraging to refinance in order to get the extraordinary offer off MSRP. 

I didn't read too much into it, and figured this is how they do business, until a colleague went into a different ford dealership, and requested a new vehicle. Her credit is below XXXX, and she qualified for XXXX financing at XXXX interest rate, and was advised that the lowest interest rate available is 1.9 % for well-qualified buyers. This leads me to believe that I was given a predatory loan at a high interest rate, forcing me to take another credit hit refinancing with another institution just to receive the interest rate I deserve.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-04
Company: EQUIFAX, 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 update this suspicious information. 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. This was already included in my prior COMPLAINT #, and I'm including it again. Please update or correct the following items as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-15
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
I have two credit cards with Captial One. I also use their credit monitoring service " Credit wise '' among also belonging to Credit Monitoring with XXXX and XXXX. 

I noticed that my credit card balances have not been updated in quite some time. In particular my balances were last updated XX/XX/XXXX. When further investigating when balances are updated accoriding the the close of my billing statement, I noticed that they were not correctly reporting the balances timely per the billing cycles, and therefore, my credit score does not update to the score that would most accurately reflect my credit usage. 

I reached out to customer service through the Capital One Chat service, simply explaining the issue and asking them to update my balances accurately. The customer service reps simply denied the ability to do so stating that they can not change their policy as a courtesy to me. I was not asking for a courtesy, I was simply asking them to accurately report my balances for XXXX per the Credit and reporting Act. They simply did not and refused to update my balances even though they were reported 100 % incorrect. Instead I was advised to wait an additional month to see an update - but by then I will have paid my cards down even more so and it will still be incorrect! 

I feel that my consumer rights to have my balances reported accurately and timely has been violated and capital one does not seem to care very much to update them for the correct Months billing cycle - even though its the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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: Was not notified of investigation status or results

Complaint:
Attached are letters regarding inaccurate and unknown items on my credit report. Its been over 60 days and I still have not received notice or a response regarding this matter. There is no way that any of those items listed were considered verified or accurate ; when each item displayed inaccurate information across each bureau. I demand proof or immediate deletions after this complaint as for you are in several violation of the FCRA act. I feel like I am being taken advantage of and will seek legal counseling for punitive damages if this matter is not handled accordingly

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 2019-03-07
Company: LEXISNEXIS
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the XXXX and other furnished Lexis Nexis, XXXX XXXX, XXXX inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Act, you are required to comply. My name is XXXX XXXX. My current and only address is XXXX XXXX XXXX XXXX, Ohio XXXX I have unknown or fraudulent addresses appearing on my credit report and I am requesting that these items be removed and updated. Please remove the following addresses : XXXX XXXX XXXX, XXXX, OH XXXX XXXX PARK XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX, XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX XXXX, OH XXXX, Please remove the following Phone numbers : ( 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 2023-01-04
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:
This is my 5th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. XXXX XXXX XXXX : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$5700.00} ; XXXX XXXX XXXX Balance XXXX {$1800.00} ; XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX, GU XXXX ; XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/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 2023-07-27
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:
I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
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 2018-12-14
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: Information belongs to someone else

Complaint:
I am very concerned about the validity and accuracy of the recent investigation done by Equifax. I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the accounts are not my responsibility. Equifax failed to give me the result of their investigation. I assume they were unable to verify it. The error has affected my credit score tremendously. CFPB please step up and delete it ASAP as this is very exhausting. Nobody wants to grant me a loan because of this XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-07
Company: Grant & Weber
State: NV
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I worked as a XXXX XXXX for nearly 40 years. On XX/XX/2016 I was injured in XXXX, Illinois while I was performing my duties, I was treated at XXXX XXXX in XXXX, Illinois, and at XXXX XXXX Hospital in XXXX, Illinois. 
I was placed on XXXX with The Office of Workers Compensation, Department of Labor. I am still covered under Workers Compensation as my injuries are XXXX, I have a XXXX XXXX. I have XXXX XXXX  codes associated with my injury which are supposed to be used correctly for any and all billings. 
I have received numerous requests for payment, and bill collection notices in the past two years. I am now receiving repeated calls from debt collection agencies in Illinois and now Nevada. I am being harassed for payment of medical bills which are covered under The U.S. Department of Labor, Office of Workers Compensation Program. 
XXXX XXXX, XXXX, IL. XXXX has been contacting me for payments of {$210.00}, {$1500.00}, {$1700.00}, and amounts in excess of {$6000.00}. XXXX XXXX and XXXX XXXX XXXX has forwarded a non-payment status to both XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, IL. XXXX. Phone XXXX. Grant & Weber , XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, NV. XXXX. Phone XXXX extension XXXX. 
In each and every instance I have informed both XXXX XXXX XXXX XXXX XXXX XXXX, that I am a XXXX XXXX covered under the Department of Labor OWCP, and that OWCP is fully and completely responsible for any and all payment for services of my injury and XXXX XXXX. 
I have faxed documents as such to XXXX XXXX and XXXX XXXX XXXX. I have called and explained to both that I am not responsible for bills owed by the Dept. of Labor, My injury is fully compensated and it is illegal to attempt to collect payment directly from me, the injured XXXX XXXX. I have made numerous attempts along with OWCP to resolve any and all issues regarding any billing, yet I continue to be harassed. I am at the limit of my tolerance, I do not wish to be harassed further!

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 2019-03-07
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: Credit inquiries on your report that you don't recognize

Complaint:
My husband and I were in our yard talking when we were approached by XXXX XXXX ( a worker from XXXX XXXX ) on XX/XX/XXXX. She began to ask if we were interested in having an alarm system set-up. When we inquired about the price she told us how expensive it was and we informed her that we couldn't afford to pay those prices. We then thanked her for stopping by and she asked if she could get our phone number and email address and told us to think about it over night and she would call in the morning just to be sure we didn't want the service. She contacted my husband and he told her that we were NOT interested and that was the last we heard of her. 

On XX/XX/XXXX I pulled my ( Equifax ) credit report and there was AND STILL IS a hard inquiry on my report. I tried contacting her with the number on the business card she left but she never answered my calls. I also tried disputing it with the credit bureau but it's still on my credit report as of XX/XX/XXXX. I have no idea how they were able to obtain my credit report since I NEVER gave her any of my personal information other than my name and email address. They used completely unethical business practices and obtained an unauthorized credit check that was never requested by myself nor my husband. I have no idea why they would even attempt to run my credit when they were told we were not interested in their service. Companies who practice unethical and unprofessional business practices such as this must be stopped.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-11
Company: JPMORGAN CHASE & CO.
State: SC
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On XX/XX/XXXX I initiated a transfer from Chase checking account to transfer to my XXXX savings account. 
On both XX/XX/XXXX & XXXX when I would look at my XXXX app online it showed the deposit as pending. 
On XX/XX/XXXX the amount was no longer showing as pending and was not applied to my account. 
I initiated a chat with XXXX and was told by a rep that the amount was received on XX/XX/30 but there must be a problem on Chase 's end. I contacted Chase and was given a completed transaction number. 
Since then I have been back and forth with Chase and XXXX and neither are able to assist with a resolution. XXXX says they don't have it and that I should have Chase initiate a reversal or stop payment. Chase says they are unable to do either of those because the transaction is complete.

Company response to consumer: Closed with explanation