BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-05
Company: Chime Financial Inc
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:
On XX/XX/XXXX there was a fraudulent charge on my Chime debit card. I filed a police report and reported the fraudulent charge to Chime. Chime alleged that the charge was not fraudulent and refused to return my money. Basically saying that I made the purchase and filed a false report. This is a clear violation of my rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ME
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
There is an address on my credit reports that I have never lived at. It is XXXX XXXX XXXX XXXX XXXX Me XXXX. There is an incorrect birthdate of XX/XX/XXXX on my credit reports. There is a spouse on my credit report named XXXX and I have been divorced since XX/XX/XXXX and he is dead. There is a incorrect social security number on my credit reports of XXXX. There are several misspellings of my name due to typing errors that I want removed. XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX. There ard phone numbers that are not mine on my credit reports, 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 non-monetary relief
Consumer complaint received 2017-03-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
My wife 's SS number used on my report ( personal information ) on the trans union credit 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 explanation
Consumer complaint received 2016-04-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
Trans Union recently e-mailed me a copy of my free annual credit report, but I was UNABLE TO PRINT IT! I would now like to ACCESS THAT SAME REPORT via their website, but THIS IS IMPOSSIBLE TO DO! Please find out WHY their website is so NON-USER FRIENDLY to people desiring to get a copy of their credit reports!

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 2020-04-13
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE. 

INITIAL DISPUTE XX/XX/2020 30 DAY DEMAND XX/XX/2020

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-07
Company: TRUIST FINANCIAL CORPORATION
State: TN
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I received a letter from Suntrust 3 weeks ago, around XX/XX/XXXX or XX/XX/XXXX. They stated they were closing my checking & savings account on XX/XX/XXXX. In the meantime, I called to ask why and was not told a specific reason. Just for me to go online on their website and read the rules & regulations section, it was a long list so the rep said read since its too long to read over the phone. The rep also told me my account is frozen, mo closed yet so I could visit my branch and close in person. No other information given when I got the letter/called that night. 
I was sick with flu 2 times, first being when I called the first time. So I had to wait 2 days later to visit my bank branch to go ahead and just close. Not feeling well, but I needed my money to pay bills immediately. All of my auto-pay bills were scheduled already. I was told in XXXX county ( XXXX XXXX/XXXX, Tn ) that I cant close my account. I was given a Suntrust Fraud Department phone number and told I can find a check mailed to me in about 45 days, as their procedure. Again, no information was given as to why this happened. 
Ive been a customer 7+ years, with no issues, no debt. I had fraudulent activity on my checking account, ongoing charges from XXXX the past 2 months which I disputed and Suntrust quickly refunded these small purchases. Also before I knew of my account being closed, I had requested a new debit card after I was charged {$100.00} from an unknown gas/convenient store ( XXXX ). I got my new card and unable to even use it as shortly after I activated it, it was frozen. 
This has caused extreme turmoil in my debts to creditors, time and anguish situating a new bank. I have XXXX Income, XXXX grown kids with my obligations to their bills as well. Ive had to take time off my part-time self-employed business to take care of this unnecessary hassle. 
I submitted a XXXX XXXX XXXX report 2 weeks ago, but they quickly closed it without a resolution and none of my funds & no explanation given to me, again. Suntrust was responsible to call me to follow up and mediate the situation and never did. 
I was sick, again, last week and yet I called Suntrust Fraud Department back, to get the status. Again, no further information as to why they closed my account was given. I have still been sorting my new bank information so I can finally pay all of my bills today, which took 3 hours. Totally beyond frustrated with this outcome, it isnt right. So Truist still has $ XXXX of my money, without me being able to access it. I owe NO debts to this bank for them to be reviewing my account. It should not take 3-4 weeks to review when Ive done nothing wrong. Let alone, hold my money.

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 2016-12-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I am filing this complaint because XXXX has ignored my request to provided me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under section 611 ( 5 ) ( A ) of the FCRA -they are required to " promptly delete all information which can not be verified '' that I have disputed. Please resolve this manner as soon as possible. Thank you

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 2020-04-13
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
See attatched XX/XX/XXXX FRAUD CLAIM LETTER. XX/XX/XXXX claim date. USAA TOOK A YEAR TO COMPLETE THIS INVESTIGATION. There are No temporary credits ( as this letter ALLEDGED were made permanet ) See attatch3d XX/XX/XXXX statement confirming merchants credits only {$120.00} & {$210.00} = {$340.00}. THERE ARE NO USAA CREDITS. see enclosed transactions of XX/XX/XXXX of the {$470.00} transactions reported fraud ** '' after the mechants credits were deducted. Balance of {$470.00}. Cardholder held Liable. See attatched XX/XX/XXXX transactions. All XX/XX/XXXX XXXX transactions are DUPLICATE CHARGES UNAUTHORIZED XX/XX/XXXX. They total {$470.00} PUT BACK ON A DIFFERENT CARD A SECOND TIME XX/XX/XXXX. See attatched ID THEFT case XXXX USAA WAS NOTIFIED XX/XX/XXXX of this IDTheft. USAA HAS NEVER PROVIDED PERMANET CREDITS FOR THIS FRAUD. USAA DESTROYED MY CREDIT COLLECTING ON THIS ID THEFT.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-23
Company: ALLY FINANCIAL INC.
State: CA
Product: Consumer Loan
Sub-product: Vehicle lease
Issue: Managing the loan or lease

Complaint:
Ally bank, I Leased a vehicle and paid all payments in time. They had XXXX as deposit. I returned the vehicle to a dealer in time of lease, with miles used much less than allowed on lease. Called Ally many times to return deposit. Answer was " wait till final statement ''. Vehicle was sent for inspection by different company, and Ally had 4 inspections. The cost started with XXXX and ballooned. Finally Ally demanded XXXX, after keeping the deposit. Car had minor wear and tear, which was supposed to be free repair per Ally booklet. 
Called them many times, spoke with agent and disputed charges. But the kept on sending threatening letters and sent to Ally asset recovery Center. NO help. Many similar reports on Internet about this ripoff

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 2020-04-13
Company: Palmar, Inc.
State: CT
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 didnt give permission for a friend to use my Identity by opening a Utility Account with XXXX XXXX XXXX XXXX, back in XXXX or XXXX. 

I reported to XXXX that my identity was used at their company and I did not authorize this use. 

Not only did they not do anything about that by going after that person XXXX XXXX themselves. 

They basically held me liable for this BILL. 

I have told them repeatedly disputed this repeatedly and here we are in XXXX XXXX How many years later? 
At least 12 years later. 

Even if it was XXXX when my husband and I moved out of XXXX we're still talking 10 years! 

What gives a company the right to basically castrized an innocent party with a bill that is not theirs in the first place and worse started in XXXX at the least, and yet they claim it was open in XXXX?? 

I have proof I moved out of XXXX and XXXX because I took a lease if you would like to see proof of that lease I have no problem showing you that the leases in XXXX why would I be getting electricity in XXXX? 

I want proof of that!! 
If I have to prove that this bill is not mine I want you to prove that it was taken out in XXXX in my name and how I opened it! 

I have that right as a consumer so I want to see any and all documentation. 
That has to with me opening an account with your company in XXXX or XXXX whatever you want to claim, I want to see it!! 

I will take them to small claims court. 

I know darn well I moved out of XXXX in XXXX! So why in XXXX 's name would I open an account in XXXX?????? 
IN XXXX  when I lived in XXXX and moved to XXXX in XXXX!! Check the voter registration!!! 

If this is not removed I will take it further, much further. 

Shame on XXXX for taking the word of a company over the facts of the consumer. 

Thank You!!

Company response to consumer: Untimely response
Consumer complaint received 2019-10-29
Company: EQUIFAX, INC.
State: LA
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:
have contacted credit bureaus on numerous occasions to have incorrect or outdated information removed, however they are refusing to remove the information stating that the items come back validated even though the information is correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
One of my credit card accounts has shown up on my son 's credit report. It also shows up on my credit report. Our names are the same except for the suffix. It can affect both of our credit reports. I would like to have my credit card report removed from his report. This is mistake on someones part and needs to be corrected. I can not understand how this can happen when there is a definite difference in names and SS numbers.

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 2016-12-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I went to check my credit and seen I owe money I never knew i owed. i never applied for anything. i always keep track of what i spent and what I owe. my credit score is low and im trying to build it but i dont want to be responsible for someone else. somebody is using my information. plz help

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-27
Company: I.C. System, Inc.
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
The original debtor is XXXX XXXX it was sold to ic systems in XXXX XXXX MNXXXX.Debt occurred in XX/XX/XXXX.  I called XXXX XXXX to suspend my services because I was being forced to move. I made a payment to my bill of XXXX leaving me with the amount of XXXX left due. I was told by the rep that my services would be suspended for a year and to call back in XX/XX/XXXX  to see my other options because I was on a contract at the time. The next month XXXX was taken out of my XXXX account so the account was paid in full. A year later I call back and was told that the account was never suspended because of the XXXX balance at the time of the suspension something that I didn't know and account was paid off in full.

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 2015-07-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I am writing to dispute the accounts referenced above. I have disputed this account information as inaccurate with you, and you have come back to me and stated you were able to verify this debt. How is this possible? Under the laws of the FDCPA, I have contacted XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX and XXXX XXXX XXXX myself and have been unable to get them to verify that this is indeed my debt. 
I enclose copies of my requests for them to Validate my debts, and the receipts showing that I sent these letter certified signature request. This debt is not mine and I was given any evidence of my obligation to pay this debt to these collection company 's listed above in this letter. 
The FCRA requires you to verify the validity of the item within 30 days. If the validity can not be verified, you are obligated by law to remove the item. There is a clear case of unverified debt here, and I urge you to remove this item before I am forced to take legal action. 
In the event that you can not verify the item pursuant to the FCRA, and you continue to list the disputed item on my credit report I will find it necessary to sue you for actual damages and declaratory relief under the FCRA. According to this regulation, I may sue you in any qualified state or federal court, including small claims court in my area.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: HI
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 call Transunion to dispute my Bk. The County Recorder of Deeds and the Bankruptcy Courts have both mailed me letters which emphatically stated that they do NOT provide any information to credit reporting agencies, nor do they ever validate and/or confirm public records. It is the credit reporting agencies, and/or other third party providers who collect information regarding public cases from public records. Public records information is NEVER validated by the Recorder of Deeds nor the U. S. Court system due to the Fair Credit Reporting Agency PRIVACY LAW. 

My inquiry to the County Recorder of Deeds and U. S. Bankruptcy Courts confirmed Transunion Credit Bureau has never validated or verified these public record entries on my credit report, neither will they ever be by them. They further stated while they are NOT liable or responsible for any MISUSE or INCORRECT public records, nor the distribution of said information, public records may, and oftentimes are, reported by third party sources unawares to the consumer, and in most cases, incorrectly. Considering the information indicating a Fair Credit Reporting Act violation, I need bankruptcy information currently showing under my social security number to be PERMANENTLY DELETED from my credit report immediately. 

The Transunion Credit Bureau needs to provide me with copies of all documentation associated with these Public Record Accounts bearing either a court order to place this information in my credit report, or my authorization of release bearing my signature. In the meantime, to be in full compliance with the FCRA laws and guidelines, all the information listed under Public Records needs to be immediately deleted from the credit file you maintain under my name and social security number. Be further advised that I am closely monitoring my credit file. Per the Federal Law, you have exactly 30 days to complete this investigation as outlined per the Fair Credit Reporting Act 623 ( a ) ( 3 ).

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 2015-06-18
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
It 's not that there is incorrect information on my report, it 's that there is very important information that is missing and should be included on my report. I sent all XXXX reporting agencies complete copies of my XXXX XXXX home mortgages and also an equity loan on the XXXX house, all paid off. I was told by them that they will not accept documents of proof from me and that they only will put on a report what the mortgage companies themselves send to them to report. I can not have these past mortgage companies report to them my good credit with these loans, because the mortgage companies no longer exist. So I 'm asking if somehow this can be rectified because as a consumer I have every right to have all my good credit history absolutely on my report and right now it is not on there. It is not fair that my credit is judged without these items on there, so I 'm hoping that somehow this can be solved.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-04
Company: ALLY FINANCIAL INC.
State: CT
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
Ally Financial make incessant calls prior to late payment calling my parents, neighbors, relatives to the point of harassment also divulging personal information and threats. 
They will not relent.

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 2020-04-07
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
Multiple accounts that are incorrect are reporting 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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-05
Company: Experian Information Solutions 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:
Experian is reporting late payments from XXXX for XX/XX/2019 and XXXXXXXX XXXX XXXX  I have not had a late payment on this account at all. Other bureaus are reporting the correct information of no late payments but Experian refuses to correct the 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 explanation
Consumer complaint received 2015-06-10
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
I tried to submit a complaint through Equifax for hard inquiries on my account and answered all there questions and was told that my personal information was incorrect and that I need to fax them my drivers license. I 'm a little uncomfortable doing that seeing as my personal information on there end is incorrect. How do I go about fixing this and why is XXXX running my credit when that account is setup through email and does not have my social security number attached to it.

Company response to consumer: Closed with explanation