BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
On XX/XX/XXXX. I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 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. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX OPM data breach as well as XXXX 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX  XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00}

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 2022-09-23
Company: FIRSTBANK PUERTO RICO
State: PR
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/2022, I made a cash deposit after cashing a personal check at my bank First Bank in Driving XXXX XXXX. I went to the ATM machine and deposit the cash from the check that was {$220.00}. and the ATM machine rejected it twice I decided to go to another Fist Bank. I went to the one that is on XXXX XXXX XXXX, and it happened again but the second time it rejected the deposit the machine only returned me {$5.00}, and it never gave me a receipt. So, I enter the Bank and explained what happened and they told me that the deposit was not showing. They told me that they will do an investigation to see if there's any irregular movement. I ask if they can at least check the ATM machine to see if my money is stuck and they say they can't do that and also said if they can count the money so they can see that there will be {$220.00} extra and they said that i have to wait 10 days for the investigation. They when the 10 days passed, I call to see what had happened with my money and they said that they didn't find anything irregular with the ATM machine, and that was the end of it. I would like for an extreme investigation because I am certain that the ATM machine kept my {$220.00}. They can even check the video camera that doesn't lie. Also, when I was doing my claim there was other customers saying that was not the first time the ATM machine was not working right.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-22
Company: Experian Information Solutions Inc.
State: VA
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 sent my documents and nothing was resolved

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 2023-03-15
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:
While reviewing an updated copy of my credit report, I discovered that some of my credit references are not included but have been reported and verified. Please reinvestigate and send me the credit history as evidenced by the attached letter from the merchant to my credit report. 

XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/2021 XXXX XX/XX/2021

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 2023-04-25
Company: EQUIFAX, INC.
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:
Please remove these Fraudulent accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days. 
See the documents attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-04
Company: Albert Corporation
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I bank with Albert bank ( theyre issued cards through XXXX XXXX  XXXX I received a cash advance from them in 2021. The account I have on file to pay back that cash advance I no longer have access too. After XXXX  days they decided to suspend my account after I just got paid over this unpaid cash advance. Telling me even if I pay the cash advance I will not have access to my funds for XXXX after paying. XXXX in their cardholder agreements its says the do that or can do that. They only way to reach out to them is email or text. Once I was told my account was suspended they stopped answering me. This is bank is a scam and it is trying to take my hard earned money. Not once did they reach to me about my repayment of my cash advance. 
XXXX XXXX XXXX XXXXXXXX ) This is the link to access their cardholder agreements

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-06
Company: Paramount GR Holdings, LLC
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: Account information incorrect

Complaint:
GoodLeap , LLC is a finance company for solar panels. On XX/XX/2023 my Wife, XXXX XXXX sent them a debt validation request and requested that until they sent a response to the debt validation they cease reporting any negative or derogatory reporting to the credit bureaus and code the tradeline as " in dispute. '' To date GoodLeap has not provided validation and reported the tradeline as delinquent causing my XXXX credit score to drop XXXX points ( XXXX to XXXX ) since XXXX. 
They knowingly violated the FCRA by not accurately reporting the dispute. And I have never been contacted by GoodLeap about this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-20
Company: Experian Information Solutions Inc.
State: OH
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 fair credit reporting act XXXX  account # 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

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 2023-04-25
Company: CITIBANK, N.A.
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with balance transfer

Complaint:
Circumstances led me to take advantage of Citi.com 's balance transfer promotions with the Citi Black Diamond card in XXXX and early XXXX. Three ( from XXXX ) were 0 % promotions, and one ( XXXX XXXX ) was a 1.99 % promotion. 
Of the four different promotion expiration dates, one was XXXX and another was XXXX, I paid {$1600.00} on XX/XX/XXXX to take care of the XXXX balance ( {$460.00} ) and part of the XXXX balance ( {$6200.00} ). 

I expected that the {$460.00} would be indicated as paid, and the {$6200.00} balance would be down to just over {$5000.00}, and my intention was to pay that off yesteray. 

When speaking with a Citi Rep for a very long time I learned : -The {$1600.00} XXXX paid DID NOT GO TOWARDS the {$6200.00} balance NOR DID IT PAY OFF THE {$460.00} balance. 
-The {$1600.00} went towards PART OF the balance due XXXX, and PART of the {$460.00}. 
XXXX was stunned and confused, and the rep said " that is the way it works '' in other words, they arbitrarily decide which individual " loan '' will be paid off so that the consumer will be forced to pay penalties ( I now owe a penalty for not paying the full {$460.00} amount on XX/XX/XXXX, EVEN THOUGH I PAID ON TIME and I was not told specifically what that penalty will be. 
-This is truly astounding. 
XXXX unexpectedly have to pay off ALL of the debt NOW or face major penalties on the larger {$6200.00} balance and will still be paying a penalty for the partial XXXX payment, when I was planning on paying MOST OF IT yesterday, and the remaining balance before XX/XX/XXXX when it was due. 
XXXX has added {$2500.00} to what I need to pay now and I will STILL BE CHARGED A PENALTY for not paying on time. 
XXXX asked the rep if they could take the {$1600.00} XXXX paid and allocate it towards the {$460.00} and the {$6200.00} balances and he was gone a very long time and said " no '' and frankly the tone was as if I was a criminal. 
-I have made every payment on time, have an excellent credit store and this was, again, stunning. 

Does this make sense? Is this legal? I just wonder if others have had this kind of " Twilight Zone '' experience. I really do not want them to be able to slide by with this kind of treatment.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
Please remove these Fraudulent accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days. 
See the documents attached.

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 2023-10-02
Company: EdFinancial Services
State: MN
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 contacted XXXX because they continue to report incorrect information about 2 old loan accounts I had with EdFinancial. I disputed these inquiries ( with documented proofs ) using XXXX 's online dispute form, and was contacted about a week later saying XXXX resolved the dispute. However, when I logged-in to see the resolution, all XXXX had done was send me a note saying I should call EdFinancial. When I originally submitted the dispute with XXXX, I informed them that I had already attempted to resolve this issue with EdFinancial but EdFinancial has not removed the incorrect information, nor have they done anything else to correct the error. The last time EdFinancial updated my file with XXXX was almost 1 year ago, and in the past year EdFinancial closed my account when they transferred my accounts to XXXX, where both my loans was subsequently completely paid and my accounts closed. I submitted all this information to EdFinancial and XXXX but they will not correct these errors in my credit report file.

Company response to consumer: Untimely response
Consumer complaint received 2023-09-13
Company: JPMORGAN CHASE & CO.
State: AR
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
Overview : Chase can not prevent continued fraudulent charges on my account since XXXX, Chase can not provide total amount of fraudulent charges. Chase can not verify if fraudulent charges and interest have been refunded. Chase can not lock my account. 
In XXXX of XXXX during covid, I noticed that my chase XXXX card had fraudulent charges. Upon contacting Chase, they told me that it was a prime membership fee linked to another person 's prime account ; they would not tell me the name of this person. they promised to refund the charges plus interest and issued me a new card. 
I trusted them. 
In XXXX of XXXX, I again noticed fraudulent charges. The charges had continued since XXXX. Chase promised again to refund the total charges but could not tell me the complete total, it was near {$1000.00}. Chase issued me another card. 
In XXXX I received a confusing call from their claims department telling me they could only refund a partial amount and they would close the claim. I appealed this over the phone and told them I wanted 100 % refund of the fraudulent charges plus interest. 
On XX/XX/XXXX, ANOTHER fraudulent charge was made. 
Chase promised to LOCK my account, delete the digital wallet from everywhere and issued me another new card. 
I have not activated this card. 
The new card showed up in my XXXX XXXX I did not add the card. 
XXXX purchases are being permitted on this new account. 
when I called the customer service representatives just keep transferring me around. 
they are unwilling to help me. 
they tell me they can not tell me the total of fraudulent charges. 
Chase can not assure me that all charges have been refunded Chase will not tell me if they can prevent continued fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-13
Company: SLM CORPORATION
State: MO
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Per XXXX credit report payments were made on the Sallie Mae loans in XX/XX/XXXX. 
I need then to provide validity that these payments were made. Provide documentation to support payments were made on these loans. 

Sallie Mae reported the accounts delinquent for XX/XX/XXXX days since no payments were made after XX/XX/XXXX. 

This is a depictive practice, Then they report it as delinquent or charge off. 

They dd not provide verification of a cancelled check, electronic transfer of who made the payment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have tried several times over several weeks submitting documentation supporting my dispute. Every times I get error messages online so I mail them. However, I have seen NO changes.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-12
Company: Meridian Financial Services, 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: Problem with personal statement of dispute

Complaint:
My credit report shows I have a loan account from Meridian Financial XXXX that was opened in XXXX of XXXX 
I have never engaged with this company nor authorized any loan with this entity. 
I submitted a dispute via XXXX twice asking to show me proof of my approval with this entity Both time I was just reported that the company assures that the account is real, and I have not been shown any proof. 
I asked to shown any documentation with my signature showing my authorization for this loan. Neither has been provided at any point after my dispute was filed. 
I would like written proof of when this account was created and my signature authorizing this account.

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 2023-03-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
Fraudulent Account appearing on credit report. 


XXXX. XXXX XXXX XXXX {$20000.00}

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 2022-12-13
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2023-03-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
So, I obtained a copy of my credit report and notice multiple errors with my personal information as well as account that I do not own this information is destroying my credit and I don't think is fair at all I'm sure I have rights.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-13
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: Old information reappears or never goes away

Complaint:
I have contacted the reporting credit agency that lendmark is reporting a repeating charge off for more than 180 days. 

They simply updated the charge off of in XXXX. How we this continues inaccurate reporting was cause for a deletion due to the damage caused by the improper reporting. 

Which has continue to update for since past the 180 day charge off statute The balance was still showing it shouldnt have due to it being charged off. 

Equifax showed my last payment as XXXX XXXX 2018 XXXX and XXXX showed last payment as XX/XX/2018 A high credit amount was shown on equifax as {$4500.00} While XXXX and XXXX showed high credit as {$4700.00} Date last active on all 3 XXXX, XXXX, equifax are all showing 3 different dates.

Due to the inaccurate reporting I asked for this account to be deleted. 

It has impacted my credit due to the length of inaccurate report provided to the agencies. 


Has violated my rights with fair credit reporting act. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 


The fact that this charge off was simply updated and not deleted is a clear violation with the fair credit reporting act.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-03
Company: Experian Information Solutions Inc.
State: NC
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:
My experian account has been compromised despite me having a freeze and pin on my account. Experian 's technology is compromised and hackers are able to steal accounts without any passwords or pins. How is this legal and no concern on their end and they suffer no repercussions? I need access to my account in order to open a specific line of credit I need. I am no longer able to log on or have any access to my account. I tried contacting Experian 50+ times via 4 different phone numbers and their automated service hangs up on you and does not recognize me since the hackers changed my information. I am baffled how this is possible and they need to do something about 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 explanation
Consumer complaint received 2023-10-04
Company: Forster & Garbus LLP
State: NJ
Product: Debt collection
Sub-product: Private student loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
I had a private student loan with XXXX that was then transferred to Forster & Garbus. They repeatedly called my home and place of work and then one day I received a later in mail that my paychecks were being garnished. A few years passed and they constantly called and sent letters for inflated amounts owed. I recently started paying them again in fear that they would garnish my wages again. This has been going on since 2010 and is a bit ridiculous at this point.

Company response to consumer: Closed with explanation