BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-04
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: Information belongs to someone else

Complaint:
Hi I am submitting this XXXX XXXX without any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE

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 2022-02-05
Company: EQUIFAX, 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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THE FOLLOWING ACCOUNTS FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-29
Company: Experian Information Solutions Inc.
State: KY
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:
XXXX XXXX XXXX XXXX XXXX NV XXXX XX/XX/2020 XXXX : ACCOUNT NUMBER ENDING IN XXXX DEAR XXXX XXXX, Thank you for contacting XXXX XXXX XXXX. This letter is in response to your communications regarding the above-referenced account. 

Per your written request, we have closed out your account. This account will be reported to the credit Reporting agencies as CLOSED AT THE CONSUMERS REQUEST with a XXXX balance. 

If you have additional questions, please call our Customer Service Center at XXXX between XXXX XXXX 
And XXXX XXXX. Monday through Friday, or between XXXXXXXX XXXX. and XXXXXXXX XXXX. on Saturday and Sunday ( Pacific Time ). 


Sincerely, XXXX XXXX XXXX  AS OF THIS DATE THEY HAVE CLOSED THE ACCOUNT BUT STILL REPORT A BALANCE TO ANY CREDIT REPORTING AGENCYS AS THIS BREIF LETTER STATED THE ACCOUNT WAS CLOSE AS PER MY REQUEST AND THEY STATED THAT THE ACCOUNT IN QUESTION HAD A XXXX BLANCE. THE REASON FOR CLOSING THE ACCOUNT THEY UNLAWFULLY CHARGED DURING THE SAME MONTH A LATE FEE AND OVER THE CREDIT LIMIT FEE, I POSTED A PAYMENT EARLY IN THE MONTH BEFORE THE MIMIMUM DUE DATE WAS PENDING ON THIS ACCOUNT AND THEY STILL CHARGED ME BOTH FEES THUS THATS WHY I ASKED THE ACCOUNT TO BE CLOSED AS SEEING i ONLY DRAW SSI EVERY MONTH AND COULD NOT AFFORD THAT MUCH MONEY ON A XXXX DOLLAR CREDIT LIMIT CARD. PLUS I HAD TO PAY AN ANNUAL FEE OF OVER XXXX DOLLARS.

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 2022-02-05
Company: CarMax, 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: Investigation took more than 30 days

Complaint:
I called in 2017 to Carmax and attempted to make a payment over the phone with a debit card. The rep advised that they could not take a payment over the phone with a debit card and that I would need to provide my checking account information. She stated the only way I could make a debit card payment was at a carmax location. I advised her that I was overseas and my checking acct was frozen so ach nor checks will not process at the time. The debit card was the only way I would be able to pay at the time since I couldn't visit a carmax location. The agent said she would notate my account. The agent tells me to call on day 31 every month to make my payments because the account would show delinquent and at that point the system will allow a debit card payment. The agent even advised as long as I wasn't 3 months behind, I did not have to worry about a repossession of the car. The rep never once stated that her advising me to pay the payment on day 31 would result in negative reporting given that was their solution to my situation. I consistently paid for a year on day 31 under the direction of the agent. I have disputed the reporting numerous times with carmax who refuses to look into the call or properly investigate. I am requesting for the late payments to be removed because thats what their rep advised me to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-31
Company: U.S. BANCORP
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On XX/XX/XXXX I made 2 ATM deposits at the US BANK located on XXXX XXXX XXXX in XXXX AZ. 
XXXX for XXXX cash another a check for XXXX. Both were then pending as US bank states that they don't process deposits on the weekends. Both were completed on XX/XX/XXXX. I then attempted to use my debit card for a transaction and it was declined. I contacted us bank by phone and in person and was told that the XXXX dollar check was placed on hold. They are are holding funds without notice after they made then available. Charging fees and causing my account to be overdrawn I have attached a XXXX of the deposit showing completed.

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 2022-08-31
Company: SOUTHSTATE CORPORATION
State: SC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I was at the grocery store and my card declined then I called the bank and they said that my account was negative XXXX but I've never receive the alert to let me know that I'm going over my limit that I had sign up for. I then call the customer service rep the next following day and she told me that you should have kept track of your account by going online .And then I said unto her that I am a single mother of XXXX  and I work everyday and Im in XXXX for my XXXX  and that's why I have chose to set up the alert system to let me know when I get to a certain amount on my account and the bank system fail to let me know when my account reach that limit. 



Please disregard any typo as this information was dictated

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-19
Company: Risecredit, LLC
State: AP
Product: Payday loan
Issue: Charged fees or interest I didn't expect

Complaint:
To whom  it may con cern, I 'd like to make a complain abo ut RISE Credit. W e originally signed up for a {$3000.00} with an interest rate of 208 %. I have been paying {$520.00} every month and paid a total of {$5500.00} and they want me to pay them  until 2018. This  has been a burden for me and my family. As an  XXXX   XXXX  military member i have reached out to my chain of command regarding this issue. I have been advised by financial counselors that in accordance w ith Military Lending  Act says that you ca n't be charged an interest rate higher than 36 % on most types of consumer loans and provides other significant rights. I am currently working with my loca l Judge Advocate General 's Office to g et some help with legal issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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 ordered a copy of my report in XXXX dated XX/XX/22 and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, 3 credit bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureaus must complete their investigation within 30 days. Please check payment history, date open, last activity and Status of the listed accounts which i believe were reporting in error. 

XXXX XXXX Balance : {$4700.00} ; XXXX XXXX XXXXXXXX Balance : {$8200.00}

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 2022-03-04
Company: EQUIFAX, INC.
State: WA
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:
XXXX and Equifax will not remove the monthly scheduled payment amount of over {$39000.00} after the account was paid in full and there is no monthly payment. XXXX and Equifax refuses to remove this monthly error thereby violating FCRA law and litigation will follow if this is not corrected. They have received all documentation of paid in full and they are violating my rights by still showing a monthly payment amount for XXXX child support. Here is proof : Important note Account name XXXXDIVISION OF CHILD SUPPORT XXXX : Account number 74 .... 
Recent balance {$0.00} as of XX/XX/XXXX Date opened XX/XX/XXXX Status Open. 
XXXX XXXX XXXX XXXX, WA XXXX No phone number available Address identification number XXXX Type Family Support Terms 1 Months Credit limit or original amount Not reported High balance $ 0 Monthly payment {$39000.00} Recent payment amount {$0.00} Date of status XX/XX/XXXX First reported XX/XX/XXXX Responsibility Individual EQUIFAX : Months Reviewed 26 Payment Responsibility INDIVIDUAL Deferred Payment Start Date Date Closed Date of Last Payment XX/XX/XXXX Scheduled Payment Amount {$39000.00} Actual Payment

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-29
Company: Fidelity National Information Services, Inc. (FNIS)
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: Information belongs to someone else

Complaint:
I went to apply for a bank checking account and was declined of the application. I asked the banker why and was informed that I had numerous chexsystems listed. I had a report issued to me and noticed there is accounts that did not belong to me listed on them as a 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 2022-08-31
Company: EQUIFAX, INC.
State: MO
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 ordered a copy of my report in XXXX dated XX/XX/22 and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, 3 credit bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureaus must complete their investigation within 30 days. Please check payment history, date open, last activity and Status of the listed accounts which i believe were reporting in error. 

XXXX XXXX Balance : {$4700.00} ; XXXX XXXX XXXXXXXX Balance : {$8200.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-10
Company: ROBINHOOD MARKETS INC.
State: CA
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:
Robinhood is not responding to me after {$1200.00} was stolen from my account through stolen debit card information. 

The money was taken out as 6 separate cash-back transactions at a grocery store. As soon as it happened I canceled the card and reported the issue to Robinhood. They emailed me back saying that I w
ould he

ar b ack in 1-3 days, but its now been 6 with no response. I've followed up each day this week ( monday, tue
sday, wednesday ), but no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-29
Company: AES/PHEAA
State: DC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
In XX/XX/XXXX I began making Income Based Repayments on my Federal Student Loans through XXXX. Each month since then I have made on time payments and renewed my payment plan eligibility. During this time I was regularly assured by XXXX customer service that the payments I was making were counting towards the Public Service Loan Forgiveness program.
In XX/XX/XXXX my loans were transferred from XXXX XXXX to FedLoan Servicing and at this time I was also required to consolidate my loans. I continued to make on time payments through the Income Based Repayment plan and continue to do so presently. Having never missed a payment, all told, I should qualify for PSLF in XX/XX/XXXX. 

However, I recently began certifying my employment with the NGOs I have continuously worked for since XX/XX/XXXX and was told by FedLoan Servicing that none of my payments before XX/XX/XXXX count towards the calculation of my XXXX Payments for PSLF. 

I do not feel this determination is correct given my understanding of the payments I was making with XXXX dating back to XX/XX/XXXX and I want to know what rights I have to enforce the inclusion of those payments in the total calculation of my payments towards PSLF.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-19
Company: Acceptance Solutions Group, INC
State: OH
Product: Consumer Loan
Sub-product: Installment loan
Issue: Taking out the loan or lease

Complaint:
This company took money out of my account mulptile times without permission. When I inquired about taking care of the amount due in full, I wanted to pay with cashiers check or money order I was told that there was no address to send it to and I was to let them take the amount out of my checking I do n't wish to do that since they ripped me off before. Now they are calli ng four or five times every 3 min,  calling my daughter leaving nasty messages, if they want to provide me with an address I will pay the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-19
Company: Real Time Group, Inc.
State: NM
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I received this lette from real time acquisitions LLC, real time resolutions stating I owe {$530.00} and I 'm not certain of where this loan comes from I tried contacting them and no results their number is  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-17
Company: Experian Information Solutions Inc.
State: MN
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
I attempted to investigate with Experian online. Since I had become aware of  Section 609 15 USC 1681g of th e Fair Credit Reporting Act and additionally th e MLA of 1973 and UCC section 3-308a, I  requested investigation into some physically unverified derogatory accounts being reported by experian. I was shocked to see their response that they refused to investigate these accounts since a different aspect of the account had been investigated in the past. More shockingly, they cited the same consumer protection act that allows a consumer not to be victimized by a credit reporting agency as being permissive of their actions. Please help with this situation.

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 2022-08-31
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( XXXX ) ( A ) and 611 ( a ) ( XXXX ) require the Experian credit bureau to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. My credit report includes the erroneous information that needs to be investigated and correct : XXXX XXXX XXXX Date Opened : XX/XX/2019 Balance : {$1200.00}

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 2017-04-18
Company: CITIZENS FINANCIAL GROUP, INC.
State: NH
Product: Bank account or service
Sub-product: Savings account
Issue: Account opening, closing, or management

Complaint:
I wanted to open a savings account with my bank that i have bank with sine  XXXX  of  XXXX  i was told that i was unable to open an account due to having an {$11.00} charge off. The representative  from Citizens ban k stated he did not who it was due to however could transfer me to a different department who could give me more information. The representative transferred me  XXXX . I spoke to  XXXX  at that number, at first he stated he did not see anything under my name and social security number that was showing being owed/ After i explained what the previous representative had stated to me  XXXX  was able to locate the {$11.00} charge off. He stated it was due to Citizens from an account i had from  XXXX . He stated that it was pasted the statue and that Citizen had given up on trying to collect the balance. I asked  XXXX  as this  14 years old a nd pass statue to collect if i had any other options than to pay it so i could open up a savings account,  XXXX  did not answer my question. I feel i was forced to pay something that was pass statue to collect just so i would opening a savings account. If i had know about this outstanding amount before I would have paid it. I have been banking with Citizens since  XXXX  of  XXXX  and have always had the same account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-31
Company: EQUIFAX, INC.
State: MO
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 the several times I've complained about being a victim of identity theft. The 3 credit bureaus must remove any item that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 


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Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
Transunion refused to remove the item from my report after being notified that the creditor acknowledged that the item was not mine. I provided the creditor statement and other relevant information to trans union but they continue to report this item on my report.

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 2019-11-27
Company: United Collection Bureau, Inc.
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
After review of my credit reports I noticed a debt that I know nothing about, I contacted United Collection BURE to get verification and they never sent me verification with my legal name etc that verifies this fraudulent account belongs to me!

Company response to consumer: Closed with explanation