BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-08-03
Company: Bread Financial Holdings, Inc.
State: KY
Product: Credit card or prepaid card
Sub-product: Store credit 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:
Early XXXX I purchased several items from XXXX XXXX using my credit card from their company. One item was sent that was completely wrong from what I ordered. I called to let them know and they said they would ship out the proper item and that I needed to return the other item. I informed them that I could not make it to the post office seeing how it was 30 minutes each way. Having to take off for their mistake was out of the question. They informed that was fine. I never received the item that I was being charged for. I called again probably a month later when my bill was due and was sent to 5 or so different people trying to get the right person. I was on the phone for a couple of hours trying to get resolved. I would be put on hold then the phone would get hung up on. After all this I would start to get very frustrated and customer service agent would cut you off or not let you explain anything. I was told finally that I would get my refund and I told them I wanted to cancel the card. So now we are a month later and i was charged interest and still being charged for item and bill is coming up again that im suppose to pay for something I never received. I call again and me and the customer service agent get into it because he refuses to let me finish a sentence. I ask for a manager and he hangs up on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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 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 explanation
Consumer complaint received 2022-12-02
Company: JPMORGAN CHASE & CO.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
i was scammed by a company called XXXX XXXX tax relief. they took out XXXX a month from me for almost a year. i asked them to stop since numerous times because i felt this was a scam they assured me that it was not. they were taken XXXX out every month that was not even authorized which i have no idea why it was even taken, they never provided any services to help with my tax relief. i would call them and never got a response. i would email them asking what is going on with my tax relief and they would take weeks to months to even get a respone that they would reach out and they never would but would continue taking money from my account. I finally reached out to my bank Chase to have them stop any future payments and I than reported a claim. they have denied my claim saying its invalid claim that it was an authorized. I feel that my bank should at least try to help me get some of my funds back. they gave me a number for the XXXX XXXX  tax relief which was no help to call and try to resolve this with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 2nd endeavor to tell you that I am a victim of identity theft and I complain to question specific items in my files coming about because of the wrongdoing. The items 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, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX  XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XX/XX/XXXX XXXX, XXXX XX/XX/XXXX XXXX XX/XX/XXXX 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 2023-03-24
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:
I am putting this bureau on notice that the items listed do not belong to me or are incorrectly reporting on my credit file. I have submitted proper documentation and identity verification documents. I demand the information be removed from my Credit profile immediately as this company is in direct violation of the Fair Credit Reporting act 15 US code 1681 pertaining to permissible use in regards to reporting this inaccurate and unverifiable information.

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 2021-11-06
Company: College Foundation, Inc.
State: NC
Product: Student loan
Sub-product: Federal student loan servicing
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 and I am sending this request myself to address the inaccuracies on my Credit Reports.

I have a loan with COLLEGE FOUN. For some reason, I realized that there were 120 and 150 days late payments on my credit report. I have read enough to understand my rights. The 3 Credit Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints. Please update or remove the late payments from these accounts. Below are the following accounts with erroneous information and need to fix immediately. 

COLLEGE FOUN XXXX Opened XX/XX/XXXX Balance {$6700.00} ; COLLEGE FOUN XXXX Opened XX/XX/XXXX Balance {$5800.00} ; COLLEGE FOUN XXXX Opened XX/XX/XXXX Balance {$5000.00} ; COLLEGE FOUN XXXX Opened XX/XX/XXXX Balance {$5500.00} ;

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-22
Company: EQUIFAX, 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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
Reviewed my consumer reports and noticed I had 18 late payments on an account that I was never late for. I know that Consumer Reporting Agencies have assumed a integral role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for this account ( XXXX ) with account number ( XXXX ). 

Please investigate and provide proof with statements that these payments were late. If proof can not be provided I demand that these payments be updated to On Time as the should be as I was NEVER late. Thanks.

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 2022-07-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 is missing that should be on the report

Complaint:
XXXX XXXX XXXXXXXX XXXX XXXXXXXX # XXXX is missing characters from the docket number. 

XXXX XXXX XXXX # XXXX is missing the entire payment history. 

XXXX XXXX XXXX # XXXX is missing the entire payment history. 

XXXX XXXX # XXXX is missing the 'balance, Scheduled payment, amount paid and past due amount ' for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX and XX/XX/XXXX. 

XXXX XXXX XXXX # XXXX is missing the entire payment history. 

XXXX XXXX # XXXX has terms incorrect. It has XXXX XXXX monthly for 75 months. I did not pay XXXX XXXX  monthly and the terms IS NOT 75 months. The 'high balance ' is not {$3100.00} ; it was {$3400.00}. ( see attached letter contract ) XXXX XXXX XXXX # XXXX is missing 'balance, scheduled payment, amount paid and past due ' data for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX '. 

XXXX XXXX XXXX # XXXX is missing 'balance, scheduled payment, amount paid and past due ' information for months XXXX, XX/XX/XXXX and 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 2022-09-22
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:
Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : 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 XXXXXX/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 2022-07-29
Company: Affirm Holdings, Inc
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I am a consumer of the United States of America Corp. I am fully aware that I can not be denied for credit ( only Insurance and employment ) you sent me an adverse action which I am totally confused by seeing as I already completed the transaction when I did the credit application ( extended credit ) 15 USC 1691 ( d ) ( 6 ). Please be advised that by doing that, it is aggravated identity theft because you took my application and entered me into a consumer credit transaction ( knowingly took my credit application and opened up a checking account without my permission ). With that being said, I demand immediate approval of the consumer transaction I originally applied for. I have been discriminated against.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-08
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
XX/XX/XXXX I went to XXXX XXXX of XXXX and traded my XXXX XXXX XXXX in for a XXXX XXXX XXXX  and and it was financed with nissian motor acceptance Corp and I found out XXXX XXXX  my car with my credit union that there was 2 accounts open in my name because of the dealership open 2 accounts I am glad I refinance because I would have never knew about this also I canceled my extended warranty and gap coverage with fedilty warranty services on XX/XX/XXXX and they sent the check to nissian so I called nissian and they said I do not get my refund back in the amount of XXXX because of XXXX XXXX XXXX XXXX open two loans for my one car and nissian motor acceptance said that money went to my second car loan for the same XXXX XXXX kicks that i called the dealership and talked to XXXX in finance and he said he will look into it this i got a call from XXXX and he said he was overnight a check back to nissian motors and i would be refuned the amount of XXXX from nissian motors as of XX/XX/XXXX i check on the account with nissian motors it says i now owe XXXX that for XX/XX/XXXX payment and now XX/XX/XXXX payment this second account was set up in a error i should not be charged for a late payment that was due XX/XX/XXXX is crazy I just wanted to make everyone aware of what happened to me and before you leave the dealership make sure there is not 2 auto loans for the same car you are buying on Tuesday XX/XX/XXXX XXXX called me and said everything should be fixed by Friday XX/XX/XXXX and she would have XXXX to call me that same day and he did not call me back to confirm the amount of my refund would be XXXX when I talk to XXXX on Monday XX/XX/XXXX he said that the he would make a check out in the amount of XXXX and sent it overnight and nissian motor acceptance should get it by Tuesday XX/XX/XXXX I checked today Wednesday XX/XX/XXXX and it says I owe on a XXXX on a account that was open in error if you do the math the amount of XXXX and nissian motor acceptance says I still owe XXXX that means my refund would be less than XXXX I will lose XXXX due to a account open in error XXXX XXXX is saying it was nissian motors acceptance fault not there's

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-02
Company: Chime Financial Inc
State: MO
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
Well I bought this For {$50.00} I thought it was a fun time but it was just points so I was kind of wondering a Sim card it was some minutes on it

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-02
Company: TRANSWORLD SYSTEMS INC
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Just following the links online and following recommendations. I received a call yesterday from XXXX. Caller Id indicated it was Transworld System Inc. They said an account was sent to collection on my name. I happen to have excellent credit so I didn't understand what they were talking about. Hung up then phone. 

After googling their name out of concern I though they were a real collection agency ; called them back asking what account they were talking about, they asked me my birth date for " verification '' then they were attempting to ask further questions ( questions that sounded exactly like the questions that they use in websites to verify identity... have you lived in address XXXX, what color is your toyota xyz ).. I didn't answer any of them and insisted to provide me info about the account they supposedly had on me. None of this sounded right and I believe they were attempting to apply for something or open something under my name. I confronted them and they ended up hanging the phone on me. 

I am XXXX XXXX XXXX  myself so I am very familiar with phishing practices and social engineering. On top of that my all my credit files I have them frozen. So I am not very concerned on what they would be able to do to me. They obviously already have partial info on me. 

I am really writing out of concern that these people are let free attempting to do harm to innocent people that might fall for this practices. It's very elaborated and they sound legit. 

Doing my good duty and reporting the events. 

Please let me know if you have any questions, Thanks, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-02
Company: Bread Financial Holdings, Inc.
State: IL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Have been trying to pay both my XXXX credit card and Victoria Secret credit card. Both are under comenity bank. The online portals to pay my bill won't allow me to log in, and when I try to call the customer support, they do not actually take the call. Instead, they have a recorded message saying to use their XXXX online. So I tried doing that. XXXX should allow payments without logging into my account. But when I try to go through the XXXX, it tells me the website does not exist and then directs me back to customer support, throwing me into a frustrating loop and still not letting me pay my bill. My Victoria Secret bill is due on the XXXX of this month ( XXXX ). And my XXXX bill is due on XX/XX/XXXX. Because of the bank not allowing me access, my payments will now be late, and I can't have my credit score decrease.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-02
Company: Chime Financial Inc
State: AL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
So I came home Tuesday XX/XX/XXXX to an alert on my watch that some charges had occurred from a merchant XXXX XXXX live for 9 transactions each for XXXX cents so I knew I had been hacked, so I called chime to cancel the card firsthand in case anybody got ahold of my card numbers and my card has been on me all along, that's when I proceeded to check my account activity for any other charges that may have occurred because this is pretty much my secondary account and I don't always monitor every single transaction that is done on it, but I discovered a transaction from a merchant called XXXX  and the charges dated all the way back to XX/XX/XXXX in the total amount of {$22000.00}, so I filed a dispute with chime that morning around XXXXXXXX XXXX, the same exact day it was denied, I couldn't obtain a police report for it because the authorities told me it was a online account and not a physical bank and I would have to contact chime directly, I wrote a detailed later to chime support to see if I could get a rebuttal and they would reopen my case, that was also denied, one of the reasons in the decision letter stated that I have prior history with the merchant XXXX  and I don't even have a XXXX  account at all. I proceeded to try and get in touch with the merchant XXXX to see if they could give me any information on who could've made these transactions and you can't even speak to anyone on XXXX unless you have an account with them, and this was me calling the XXXX number that's on XXXX which directed me to go to help.XXXX which I basically had to try and communicate to a somewhat live agent bot which I provided pictures of that conversation to chime as well. Then to add insult to injury I got a letter yesterday on XX/XX/XXXX saying that my chime account will be closed on XX/XX/XXXX which makes it seem even more fishy. It is TONS and I mean tons of online complaints about this company and how they don't want to give anybody any of their money back which was stolen and that makes it seem like their whole company is a sham and not operating under any integrity whatsoever. I just need some help and I ask that you please do anything you can to get my funds reimbursed to me because they are not going to do the right thing no matter what.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX XXXX shows up on my credit report. This is not my account. 
Here is the information listed : XXXX XXXX Account # XXXX, opened XX/XX/21

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 2022-09-22
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:
In accordance with the fair credit reporting act XXXX  accounts XXXX XXXX XXXX has violated my rights under 15 U.S.C 1681 section 602A and 604A section 2 and 15 U.S.C 1666B See attachments below

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 2022-07-29
Company: EQUIFAX, 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:
This Complaint is formal notice that EQUIFAX has failed to respond in a timely manner to my disputed account XXXX  XXXX Balance Owed : {$3400.00}. EQUIFAX inform me to contact the creditor and I have done so. I have requested validation and has not produced it. The credit bureau is required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). Please FIX this item now.

Company response to consumer: Closed with explanation