BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-29
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:
Over six months ago my " XXXX XXXX '' score as reported by XXXX XXXX dropped from XXXX to XXXX over the course of one month. I called them to express my concern and was told that they just share numbers they get from TransUnion. I contacted TransUnion multiple times through postal mail, phone calls and through attempts on their website. As best I can tell, when I took out a home equity line of credit TransUnion replaced my 30 year credit history with multiple credit cards, mortgages, etc. with a brand new credit report only having my new line of credit. Instead of a 30 year history or credit they were reporting that I had a 30 day history. As an example of the bizarreness of TransUnions actions, they are telling me on my XXXX XXXX online account, where I have three credit cards, that I don't have any credit cards. It doesn't make any sense. I have spoken to at least three TransUnion representatives who have said they will fix the problem over the course of six months and nothing has changed. All I ever get is a letter from TransUnion that says " Enclosed is the credit report that you requested. '' I'm not requesting a credit report, I'm requesting that they fix their 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 non-monetary relief
Consumer complaint received 2022-12-06
Company: CCS Financial Services, Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Hi Im Authorizing this complaint on my behalf. I cant believe you guys are taking a vantage of me. I have sent several letters out to the credit bureaus and they all have said they comply with FCRA guidelines. 
I have come to understand they are reporting inaccurate information. The day are open the account is inaccurate, so is the reporting. Its been more than 60 days I need these counts deleted and updated. if not I will file my attorney damage because you are a violation 15 USC code 1681a and 15, USC code 1681n as well. I will like immediate assistance

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-01
Company: Experian Information Solutions 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:
When I reviewed my credit report, I discovered that these items were erroneous. The Credit Bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company 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 2022-12-06
Company: LCS FINANCIAL SERVICES CORPORATION
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:
XXXX XXXX is providing information pertaining to the identity theft that took place with my information. This company was presented with several police reports as well as identity theft affidavit report, federal trade commission report and now they report with the consumer financial protection bureau. 

Upon contacting the three major credit reporting agencies, I discovered that XXXX of the XXXX credit XXXX agencies did not investigate the information based on the fact that they thought it was a duplicate request. The documentation was presented with shows it was not a duplicate request and that it shouldve been processed immediately upon the consumers request to do so. 
By failing to properly investigate this fraudulent item for the consumers request, this company violated the fair credit reporting act as well as the fair debit collection practices act. Failure to you processes investigation, has left the customer without any means of using their credit to take the services for their family. This negative item has impacted the consumer financially. 

Furthermore, I also fear that this company has violated state and local laws. Upon receiving that information and their negligence to process the investigation, his company did indeed go in a different direction. They found a judgment on an account that they know was being disputed as I didnt either in an attempt to deprive the consumer of their money knowing that it will be a long drawn out process for the customer to receive any funds back.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-06
Company: Experian Information Solutions Inc.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX XXXX breach and may have got into the hands of the wrong person.

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: DISCOVER BANK
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:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights.

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under any open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-29
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:
There are two accounts that I have been trying to get corrected for quite some time. XXXX  months to be exact. There is an old XXXX which reports me as late and I have never been given proof that I was! It needs to be removed. What's worse is that the bureaus report Erroneously. Experian reports the Date last active as XX/XX/XXXX and XXXX reports XX/XX/XXXX and XXXX reports XX/XX/XXXX. XXXX also reports positive and current activity on an account that is closed. this should not be listed on my report. I have requested this removed based off these errors for months and no one will help me. They just keep updating incorrect information. 

The other account is a XXXX  credit card. The Date last active is reported as XX/XX/XXXX by XXXX. Experian reports XX/XX/XXXX and they report me late and also charged off! they can't do that! XXXX reports me with current payments after collection activity and a date last acitve as XX/XX/XXXX. this is not accurate!

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 2023-12-14
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX did a proper investigation and deleted 2 Dept of Education loans and corrected my payment history on 2 accounts that i was never late on ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX ). I have attempted to resolve these issues with the credit bureaus and these still remain on my profile. No proof or original contract was provided. Please check with XXXX and correct these on my profile.

Company response to consumer: In progress
Consumer complaint received 2022-12-06
Company: WELLS FARGO & COMPANY
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
Borrower was approved for a trial modification. Although they made the payments they did not return their documents in time and the offer was canceled and the loan was removed from home preservation. When the borrower attempted to go back through re-entry the dept said they couldn't allow it because it was within XXXX XXXX  of the sale. However when the borrower was approved for the first trial modification Wells Fargo said as long as the borrower submitted a complete application XXXX business days prior to the foreclosure they could postpone the sale which they did.

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: GA
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 consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 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 2022-12-06
Company: Exeter Finance Corp.
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I had a loan for a XXXX XXXX XXXX XXXXXXXX, of the amount of {$18000.00} and monthly payments of {$480.00} on XX/XX/XXXX XXXX weeks later the vehicle transmission broke down. and I returned the car to the dealer and told them that I don't want this car anymore and then I called the bank and explained to them what happened and that I didn't want the loan anymore. now I am being charged incorrect amount and we don't even have the car since XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-22
Company: Servis One, Inc., Titusville, PA Branch
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
Again BSI failed to respond accurately to my complaint. In the XXXX attached. I specificly stated how my payment was supposed to be applied and that I was disputing the fees associated with loan and XXXX completely ignores responding to it!!! This is why there are XXXX complaints. XXXX XXXX when answering a complaint you need to address the questions. I am tired of BSI skating over DIRECT QUESTIONS, DIRECT REQUESTS and DIRECT DISPUTES,. Which now is being copied to lawyer for the failure to respond. I did not agree to how how the money XXXX was applied and it was put in writing directly how it was to be applied which was also scanned with last complaint and she decided to ignore. I have excess in my account and should have been applied to XXXX payment AS SPECIFIED!!! BSI has not mailed out monthly statements either. I get my mail and they have sent me XXXX since XXXX. XXXX I paid extra as to not have to deal with BSI for a few months with payment issues and the lack of communication from BSI and run around ANSWERS. DIRECTLY apply the funds as SPECIFIED not how you felt necessary as this is now going to LAWYER for misappropriation of funds.

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 2022-09-26
Company: AFNI INC.
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I received a notice from Afni, Inc., dated XX/XX/2022. It stated that my account with XXXX XXXX ( since closed ) had a total debt of {$240.00} and informed me that I could call or write to Afni, XXXX by XX/XX/2022 to dispute the statement. 

On XX/XX/2022, I wrote to Afni, Inc. at the email address provided. I stated that the notice claiming I owed {$240.00} on my XXXX account as of XX/XX/XXXX was incorrect. I attached a screenshot of my XXXX account page showing {$0.00} due and that all amounts have been paid in full and a screenshot of my online banking statement showing that {$240.00} was withdrawn on XX/XX/2022. 

I also provided my XXXX account number and Afni, Inc. 's reference number and asked that they confirm that I had no debt owing and that this incorrect collection notice would not affect my credit rating within 5 business days. A week has passed, and I have received no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-26
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
Tried to send my daughter a XXXX for the amount of {$80.00} because it was a new account it flagged it for possible fraud then received an email stating my account would be closed for no reason given and that my funds would be held for 30-60 days while my account closing would be processed to expect whatever funds I had in the accounts to mailed to my current address.

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 2022-12-06
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have spent feverishly hours with Experian, XXXX and XXXX to help clear up the abuse and fraud on my credit report. After many days and hours and exhaustion, I am requesting help from you! 

As a veteran of the Country and all sacrifice, I have given, I have never seen something so miss treated in my life. Because of COVID and a bad year and doing everything right, all three credit bureau and the Crediter can not get on the same page and clear all the information as requested under 15 USC168b permissible person I never was contacted by anyone?

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 2023-08-01
Company: Experian Information Solutions Inc.
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
Experian, is obligated by FCRA to report accurate accounting.Consumer has advised ALL the inquires reported was fraud, said company had 4 days according to LAW to remove such items. FTC fraud report was filed on behalf of consumer, consumer is now requesting Experian to provide the documentation used to determine inquiry was indeed authorized by the consumer, Experian has 15 days to provide me with the name of the person spoken to, documentation used, signed application with consumer wet ink signature. consumer is NOT asking for an e-oscar report, if EXPERIAN does not have documentation to show these were in fact authorized it must be removed asap. Said company is liable under the SEC to follow certain rules, EXPERIAN XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I will be filing form XXXX treasury omb forms to audit consumers 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 2022-12-06
Company: Chime Financial Inc
State: AR
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XXXX XXXX I used my chime debit card at XXXX XXXXXXXX XXXX  to withdraw {$600.00} from the ATM. A message came on the ATM screen that read money can not be dispensed at this time. The machine returned my debit card back to me with a non-dispense of funds and no receipt. I checked my checking account and {$600.00} was deducted from my account. I immediately called Chime support and they informed me they would submit a dispute on my behalf and I would receive a temporary credit until the matter was settled. I received a email from chime support that my claim was denied. I requested documents from Chime explaining the reason my dispute was denied, I NEVER received them even after numerous calls. I then got in touch with the merchant who informed me a refund was placed back to my bank holder, which I told them I never received and my bank is denying my dispute. The merchant then provided me documentation stating what happened with the non dispense and when the money was returned to my account. I did forward those documents to Chime support in a email that they still denied after I provided documents. Ive called chime support several times with no resolution or funds credited to my account. When calling chime support they have no ideas why my dispute is being denied after giving information from the merchant and informed me to resubmit them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-29
Company: EQUIFAX, 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:
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 response to consumer: Closed with explanation
Consumer complaint received 2021-08-12
Company: Self Financial Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Unexpected or other fees

Complaint:
Self Lender is a scam company and I'm in the process of taking legal action if this can't be resolved amicably. I at one point had both the lending account and the credit account. In order to qualify for the credit account you have to have 1 ) good payment history and 2 ) a certain amount " saved '' to " secure '' the line of credit. All in all ; all my money. Though I tried to hang on covid ran my business into the ground! I realized it was too much and I closed both accounts. On a recorded line ; their representative offered to waive my late payment fees, apply my existing savings, and XXXX out my account as a courtesy. On top of that ; they sent me a check for XXXX meaning with the credit there was still a positive balance.I decided to try again with a new smaller account and come to find out ; they been charging me late fees for MONTHS and reporting me for having missed payments. I told them via email this conversation took place with my XXXX and that they should run the call. I say this so they can fix this before it becomes huge. They blatantly ignored me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-18
Company: EQUIFAX, INC.
State: FL
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:
In accordance with the Fair Credit Reporting act, the following companies have violated my rights. 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 XXXXXXXX some of these are duplication and is really affecting my credit. In 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 an account without my written instructions.

Company response to consumer: Closed with explanation