BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
PLEASE NOT THAT THIS IS ALSO BEING REPORTED TO YOUR REGISTERED AGENT XXXX XXXX XXXX & THE FTC. Transunion failed to comply with my consumer rights. I did not ask Transunion to put a fraud alert on my consumer report. I asked them to comply with federal law. I sent Transunion the proper identity theft affidavit for two accounts on my consumer report. According to 15 U.S. Code 1681c2, these accounts and inquiries should have been blocked from my consumer report. However, they were not. Transunion sent a letter stating this block was an error. It was not. Transunion has violated my consumer rights. According to 15 U.S. Code 1681i Transunion is supposed to delete the disputed items during a full and complete investigation. Transunion violated this federal law. They did not delete items during the thorough investigation. Transunion is still furnishing information without my consent. That is a violation of 15 U.S. Code 1681b. I have never given Transunion to furnish anything on my consumer report. You also keep re-inserting " XXXX XXXX  '' on my consumer report without the proper notification according to federal law. 15 U.S. Code 1681n lets me know that any person who willfully fails to comply will be responsible for actual damages up to {$1000.00} per violation. Please note that I will not hesitate to file a suit against Transunion for willfully and knowingly violating my consumer rights if this is not rectified within 15 days.

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 2022-11-28
Company: Credit Karma, LLC
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
Back in XXXX on or around the XXXX I recieved an email stating with my credit score of XXXX I pre-qualified for auto loan. So I applied for a personal loan in the amount of {$35000.00} and was denied. From that day on I have received multiple emails telling me I'm pre approved and that I can get a loan of up to {$45000.00} and each time I log in and send my request in denied .to this day I'm receiving pre-qualified pre-approved emails. 
This has reduced my credit score down to XXXX that's XXXX points .I 'll never be able to rent a roof over my head ..this has XXXX me to the point that I can not sleep .I 've XXXX XXXX, I've never experienced XXXX until this. My social life stopped because my XXXX XXXX XXXX and I'm sick with XXXX XXXX. I've thought of therapy and counseling. I can't believe they are aloud to blatantly say I have money come access it and say no way you don't have a chance at any. I can't even turn on my laptop I'll see an add and I start to XXXX  so I just go to the other room and close door shut light.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-22
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:
DEAR CREDIT BUREAU EXPERIAN : I am sending this letter to your response to information discovered on my credit reports. Be advised, this not a refusal to pay, but a notice sent pursuant to the Fair Deb Collection Practices Act, 15 USC 1692gSec 809 ( b ) that your claim is disputed This is not a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the information found on my credit reports. I respectfully request that your office provide me with complement evidence that I have any legal obligation to pay Please provide me with the following : 1. An explanation showing what money you say I owe is for ; 2. An explanation of how you calculated what you say I owe ; 3. Copies of papers that show I agreed to pay what you say I owe ; 4. A verification or copy of judgment if applicable ; 5. Alleged account number 6. Proof that you can identify the original creditor ; 6. Proof that the Statute of Limitations has not expired on this account ; If your office fails to reply to this debt validation letter within 30 days from the date of your receipt, all instances related to this account must be immediately deleted and completely removed from my credit file. Moreover, all future attempts to collect on the said debt must be ceased Your non- compliance with my request will also be construed as an absolute waiver of all to enforce the debt against me and your implied agreement to compensate me for court costs and attorney fees if I am forced to bring this matter before a judge. 
I request all further correspondence regarding this SUSPECTED debt collection to be sent via mail For the past 36 months, I have submitted supporting evidence that I am a victim of identity theft SUCH AS POLICE REPORTS AND FTC REPORTS and you have ignored them in violation of the Fair Credit Reporting Act. 
THIS ADDRES XXXX XXXX XXXX XXXX XXXX FLORIDA XXXX ITS INACCURATE HAVE NEVER LIVED THERE ATTACHED ONE MORE TIME IS A COPY PROOF OF ADDRESS. THANK YOU FOR YOUR TIME AND CONSIDERATION IN THIS M TTER, PLEASE FORWARD ANY CHANGES TO MY CREDIT FILE AND FURTHER CORRESPONDENCE TO THE ADDRESS ABOVE XXXX XXXX XXXX XXXX XXXX FLORIDA 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 2022-07-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
Last week my Transunion credit score dropped XXXX points without explanation, to XXXX, as reported by XXXX XXXX. 

My Transunion report shows nothing to substantiate such a drop. Numerous calls to Transunion revealed nothing. Their agents would not even confirm that a drop actually occurred, much less substantiate the reason why.

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 2023-10-18
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: Their investigation did not fix an error on your report

Complaint:
I am formally requesting this letter to update the following accounts in my credit profile which appear to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise you will be in violation of the Fair Credit Reporting Act 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 explanation
Consumer complaint received 2023-10-18
Company: MOHELA
State: MI
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
I initially applied for an income driven plan when I graduated from medical school in XXXX of XXXX. At that time, my loan servicer was XXXX XXXX, they approved my application for an income driven repayment plan. In XXXX, I was transferred to Mohela for public service loan forgiveness and continued management of my loans. When I initially logged into the site, there was no indication that I had been switched to a standard repayment plan. Given that I was mandatorily transferred to Mohela for PSLF, and had only filled out government documentation indicative of this I assumed this would be correct. In XXXX when I noted my bill for {$1000.00} instead of the {$0.00} I had been previously quoted ( I did not have a job in medical school and did not yet qualify for recertification ), I immediately reapplied for income driven repayment through FAFSA which they then chose to process but refused to bill me for in XXXX. Currently, they're charging me {$1000.00} for a month of their standard repayment plan which I did not request instead of the {$200.00} IDR loan amount. They stated its because my prior servicer did not transfer over my payment plan ; however, they never made me aware of this issue. And quite frankly, I was transferred to them for PSLF so it does not make sense why I would be on a standard repayment plan which does not qualify. This seems like fraud and them taking advantage of an opportunity to make money on one bill.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
Transunion havent reported or updated my XXXX XXXX account. Ive reached out to Transunion but issue hasnt been resolved. My next step will be legal actions, Im trying to get mortgage for my family and these updates are a major part of my credit. XXXX XXXXXXXX has reported my new balance and updated card usage Im Just waiting for Transunion to update.

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 2022-07-27
Company: Experian Information Solutions Inc.
State: NV
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 Account # XXXX. XXXX XXXX Account # XXXX. The XXXX XXXX Account # XXXX. XXXX XXXX XXXX Account # XXXX. XXXX XXXX account # XXXX. XXXX XXXX XXXX Account # XXXX. XXXX XXXX XXXX account # 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. 

I sent Debt Validation letters to these debt collectors and they failed to provide me a proof that they authorized to collect these allege debt. attached the USPS tracking and the validation letter i sent to them. PLEASE DELETE THESE COLLECTION ACCOUNTS!

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 2023-10-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
my capital one bank account was closed out due to negative balance. okay i agreed to let it close and was told i would be able to open a new account about a week after closing there was a deposit made to the account once i became aware of the deposit i called the bank for information on how to retrieve my funds. i was told id be able to go to the bank and simply pull the money out since the account wasnt fully closed once i arrived at the bank i was told my account was restricted and i couldnt retrieve any funds i informed him on the previous conversation i had outside with the bank prior to coming in and he called and i was told the account was NOW being closed and id have to be mailed a check and it would be arriving within 10-14 business days. i wait the waiting period still no check i call in every single day asking for an update and i dont receive anything but an apology and being told to continue to wait ive had my car repossessed because of my lack of funds also have been unable to provide for myself or my household due to this inconvenience and i still have no received the money or any help from anyone at capital one bank.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-02-07
Company: BANCO POPULAR DE PUERTO RICO
State: SC
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
After the passing of my XX/XX/XXXX, I contacted XXXX XXXX in XXXX XXXX  to close my father 's account. I was told to me by someone in the estate department of the bank that I needed to submit these documents to define kinship. I submitted these documents at that time. It's XXXX of XXXX, and we are still waiting for a resolution from the bank and No contact from the bank about the status of funds in his closed account. 
They would not permit the local branch to assist with the matter. They required us to fly to XXXX XXXX to close the account when they had a local branch within the local city. It would have caused hardship on our part Popular Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-22
Company: JPMORGAN CHASE & CO.
State: IN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I booked my stay at the XXXX XXXX XXXX in XXXX XXXX using award nights, so my stay should have been free. However, I was asked to provide a credit card for any incidentals at checkin. I was incorrectly charged on that credit card, which was my Chase credit card. The purchase was made on XX/XX/2022 in the amount of {$120.00} I have contacted the hotel to get a refund but they were dragging their feet and referring me around with no solution, so I disputed the charge with Chase. 

Chase only contacts me about the dispute via snail mail dispute my attempts to make contact via Chase 's secure message services ( because I am in XXXX for work for the time being ). I was asked to submit evidence for the dispute and I uploaded the documents to Chase 's document center, then I asked for confirmation that they were received via secure message, a request that was ignored. Then I just received a decision in the mail that said the decision " remained the same '', in reference to the fact that I almost missed the deadline for uploading proof due to Chase 's insistence on using snail mail which I can not check. 

So I am not even sure Chase considered the evidence I submitted, which should have been sufficient to prove that no purchase should have been made and there was an error that needed to be rectified. The burden of proof that a legitimate purchase was made should rest on the hotel, as I doubt they will be able to produce the documentation to show that any transaction occurred.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-06
Company: TRUIST FINANCIAL CORPORATION
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
XXXX, XXXX My Suntrust Bank credit card received suspicious charges, so I contacted Suntrust card services by phone. The suspicious charge was deleted, and the card service employee suggested my card be discontinued and a new card issued to me. I told her that my wife and I had several credit/debit cards with Suntrust, so simply discontinue that card and that account, which ended in XXXX. She agreed to do so. No further statements were ever received by us regarding that account. 
Beginning XXXX, XXXX, Truist took over accounts of Suntrust due to merger, and immediately I received an annual charge of {$89.00} on the above referenced account. I WROTE a letter to Truist card services stating this was an inactive account and the card no longer existed.

After receiving two more statements, now with late fees, I CALLED Truist card services explaining that these were charges on an inactive account, and while explaining that she was showing the above account to still be active, told me Truist has a policy of NOT crediting annual charges. She said she deactivated the card ( the same thing I was told in XXXX of XXXX ). I've just received yet another statement with another late fee. 
This is an internal mistake by employees of the bank card services. I'm not paying fees on a credit card account which should NOT have existed as of XXXX, XXXX. Again, following our conversation in XXXX of XXXX, no further statements or activity were received by me, nor sent out from Suntrust Bank... the matter was closed.

Truist refuses to address this situation, but harrassingly continues sending me monthly statements plus late fees on a non-active account. 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 2022-07-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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'm pleased to see several improvements made to my report, including the deletion of some accounts I had previously disputed. However, there are still a few accounts on my report that are false and the result of identity theft. I request your assistance in getting rid of the last few items on my report. According to FCRA section 605b, the credit bureaus are obliged to remove or block any accounts that have been listed in an identity theft report. I've included a few papers to help prevent fraudulent information from being submitted in my report. 
XXXX XXXX Balance Owed : {$720.00} XXXX XXXX Balance Owed : {$640.00} XXXX XXXX XXXX Balance Owed : {$1500.00} XXXX XXXX XXXXXXXX Balance Owed : {$710.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00XXXX XXXX XXXX XXXX Balance Owed : {$990.00} XXXX XXXX XXXX Balance Owed : {$7800.00} XXXX XXXX XXXX Balance Owed : {$5300.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-22
Company: Chime Financial Inc
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/XXXX at XXXX pm, I received a notification from Chime via text asking me if I tried to use my chime card for Apple.Com/Bill for {$99.00}. Within XXXX minute I responded " no '' and per the response message, the transaction was blocked. I reviewed my account right away and within a XXXX window, there were ( XXXX ) {$99.00} charges to XXXX and ( 2 ) {$19.00} charges to XXXX totaling {$930.00}. I immediately contacted Chime Support @ XXXX ( XXXX pm call was XXXX minutes ) and was advised that this was indeed suspicious and directed to call back as soon as the charges were no longer pending we would file a dispute. 

On XX/XX/XXXX @ XXXX am I contacted Chime at XXXX ( call duration XXXX minutes ) to formally dispute the charges. I was advised that the review process could take up to 90 days, but that should this take more than 10 days I will receive a credit for the amount being disputed. ( Regulation E. ) Dispute Number XXXX - within XXXX hours ( XXXX pm ) I received an email from Chime stating that the final determination regarding my claim has been denied, based on their investigation no error occurred and that no funds will be credited back to my account. I contacted Chime again and was advised to upload screenshots of the text I received from them asking if I made the charges to XXXX on XX/XX/XXXX along with screenshots of my XXXX Bill. This was sent via email to Chime Support @ XXXX pm. I called back to customer support and confirmed that this was received and the review process was being started. I requested any and all documentation that they used in this determination to be forwarded and received a generic email back stating that I will receive this within 10 business days. At XXXX am this morning ( XX/XX/XXXX ) I received an email from Chime stating that my request to reopen my claim has been declined due to not providing them with any additional information. I originally forwarded exactly what I was told to send and then followed up and called to confirm they had received this. 

This needs to be reviewed properly and there is no other determination other than Fraud as I did not make these charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as 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 2022-10-27
Company: Experian Information Solutions Inc.
State: GA
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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and deleted : XXXX XXXX Balance : {$0.00} XXXX XXXXBalance : {$0.00} XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$740.00}

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