BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-11
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:
n accordance with the Fair Credit Reporting act XXXX XXXX XXXX bank XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-09-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Capital One acct XXXX Account was paid off in XX/XX/2022, but small amount of interest accrued bringing balance to {$2.00}. 
Account was not on autopay, and was traveling a lot in XXXX, so did not see statement with small balance. Fees were then charged following month for {$2.00}, brining balance to {$4.00}. 

I eventually paid balance, but account was reported to the reporting agencies for what was only interest and fees accrued, and resulted in my credit score dropping XXXX points from a score of nearly 800. I even have a savings account with Capital One for over {$2000.00}, so was really surprised by the negative action for such a small balance! 

My husband and I are in the process of buying a new home, and such a significant adverse impact on a credit score for a petty balance consisting of only interest and fees seems wrong. 

Thanks for listening- I hope you can help us rectify. 

Best, XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-09-11
Company: Chime Financial Inc
State: TN
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Advertising
Sub-issue: Confusing or misleading advertising about the card

Complaint:
XX/XX/XXXX and XX/XX/XXXX chime credit builder reported an unpaid balance and tanked my credit score. This is a pre paid card I will never have an unpaid balance. This is happening to a lot of people that are trying to raise their scores not have them destroyed further. I have contacted chime a ton of times with no help in fixing what they did.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-22
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: Information belongs to someone else

Complaint:
I have been a Victim of identity theft. 
I did not give Consent to open any accounts using My personal information. this is fraud I'm upset about the situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2022-09-11
Company: Experian Information Solutions 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:
- In accordance with the Fair Credit Reporting act XXXX XXXX XXXX  Account # XXXX, XXXXXXXX XXXX XXXX Account # XXXX, and XXXXXXXX XXXX XXXXXXXX Account # XXXX has violated my rights. 

5 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 15 U.S.C. 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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 2020-04-22
Company: ONEMAIN FINANCE CORPORATION
State: MN
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I received a 1099 from One Main concerning a debt from 2002, ( 18 years ago ) XX/XX/2002 for {$14000.00}, which they indicated on a 1099. I filed a complaint with the Minnesota Attorney General, they stated they will look into it but referred me to the www.occ.gov. The company is One Main Mortgage Services, Inc. XXXX XXXX XXXX XXXX, XXXX, IN XXXX, XXXX ( At the bottom of the 1099 it says XXXX SCR XXXX, DOL XX/XX/2002, XXXX XXXX, CREDITORS TIN XXXX. I have not taken out any mortgages through this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-16
Company: AES/PHEAA
State: DC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
XXXX XXXX staff had incorrectly advised me to request my bank to stop a payment made to XXXX. Had I followed the advice, I would have become delinquent in my student payment and faced dire consequences. 

On XX/XX/XXXX, I called XXXX to resolve issues with Public Service Loan Forgiveness ( PSLF ) program. It is my understanding that all payments made through an income-based repayment ( IBR ) program while engaged in qualifying employment would count toward the PSLF program. Although I believe that I had made three qualifying payments under the PSLF program, XXXX had only counted two of my payments. During the XX/XX/XXXX call, the customer service representative told me that XXXX most likely made an error in not counting the third payment. The representative promised to have XXXX staff review the contested payment to check if the payment should have counted. 

On XX/XX/XXXX, I called to follow up on XXXX 's review process. A different customer service representative told me that my contested payment definitely would not have counted toward the PSLF program, as the contested payment was unnecessary and not part of my official IBR payment plan. I then asked if I could have the contested payment refunded, but the customer service representative simply advised me to have my bank stop the payment. 

Later on XX/XX/XXXX, I called to speak with a third XXXX representative to confirm that my contested payment was not part of the IBR program and thus would not count toward PSLF. I was then told that my contested payment was still pending review, and the second customer service representative was not authorized to determine whether the contested payment counted. I also found out that, regardless of whether the contested payment counted toward PSLF, the contested payment would have been due shortly after the time I paid it. The third representative informed me that, had I requested that my bank stopped the payment in accordance with the second representative 's instructions, I would have been delinquent in my payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
XX/XX/2020 a letter of validation was sent to both XXXX XXXX XXXX and TransUnion to and unfamiliar account on my credit file I have not received any information back from either institution and they are severely over the FCRA 30 day response law. The account has been removed from XXXX  and XXXX  due to not being able to validate 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 2021-05-13
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
There are quite a few inquiries on my credit report that I have not made and I have been writing to the furnishers as well as the bureaus regarding this and they have yet to answer me or provide information on why these are on my credit I need them off since thewy do not belong to me I have not pulled these nor approved for them to be pulled!!! 


Creditor Name : XXXX XXXX Date : XXXX XXXX, XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX XXXX Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX XXXX XXXX Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX Date : XXXX XXXX, XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-31
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:
On XX/XX/2022 I sent Experian a dispute letter due to accounts being reported on my credit report in error. Experian is reporting that the below accounts are included in bankruptcy and there is no bankruptcy listed on my credit report therefore these accounts need to be deleted. Under the FCRA 15 U.S. Code 1681 it states accuracy and fairness of credit reporting. You are reporting inaccurate accounts that are included in a bankruptcy and there is no bankruptcy on my consumer report. You have caused me so much emotional stress please delete the following inaccurate accounts. I have also attached the dispute letter, my drivers license, my social security card and utilities bill for your review. 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 2017-06-15
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: CA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
Yesterday I received a call regarding a payday loan in the amount of {$300.00} that needs to be taken care of. When I tried to make arrangements to pay it, the rep said the balance is now almost {$600.00}, and she was not willing to accept a postdate check for the  XXXX , nor was she willing to accept anything under {$200.00} a month. At the moment I am in a financial bind and can not afford that, but I have every intention of paying it. After no resolution was arranged, the rep said, " Good luck in court. I hope they do n't garnish your wages, '' then hung up. I called b ack a second time and tried to convince them to accept the arrangement again and was told once again, '' Good luck in court, '' and then they hung up. This debt is not on my credit court, so I honestly forgot about it. I am paying on other debt at the moment and have never had a company operate in such an unprofessional and uncaring manner. I would like to resolve the account, but I need better customer service and a better pa yment arrangement.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
I discovered these fraudulent inquiries that I did not make on my XXXX, XXXX, and transunion credit reports including : 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 non-monetary relief
Consumer complaint received 2021-03-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
For the past few years, TransUnion has refused me access to my credit report on my online account with their website, via XXXX, and in writing with all required identity documents included. I have called several times and they promise calls from escalation teams but never call. Some have said their are maintenance issues with my credit file but they refuse to fix it for three years now. 

The last time I had my credit report from transunion there was inaccurate information that according the the representative today, has still has not been removed despite submitted disputes.

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 2020-08-22
Company: Fidelity National Information Services, Inc. (FNIS)
State: MN
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 XXXX located in XXXX, Illinois is reporting an unpaid account on my Chex Systems consumer report ID : XXXX, the unpaid account is a fraudulent account and is not my account. I never applied for or opened an account with XXXX XXXX XXXX. The unpaid account is a fraudulent account. I am a victim of identity theft and have a current police report on file with Chex Systems.

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 2021-05-13
Company: BBVA FINANCIAL CORPORATION
State: UT
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
For several weeks Simple Bank sent notifications from BBVA Compass saying that they would end the Simple Bank service but for the time being we would keep our account numbers and continue to use BBVA Compass service to manage our accounts. On XX/XX/2021 they shut down Simple online access but I was not able to create or log into an account through BBVA. I tried the following : - if I try to log in : credentials not valid, account locked - if I try to recover my username : information is not valid - if I try to recover my password : my information does not match the records - if I try create an online account : every username that I pick is not available I managed to use the automated phone system to check the balance of my checking account but I was not able to check the balance of my savings account. The phone system said my savings account could not be identified. 

I tried calling BBVA customer service but gave up after being on hold for a long time and after seeing tweets from BBVA that they were having issues with their call center causing them to drop calls. 

All I want to do is log into my online account through BBVA so I can verify the status of my checking and savings accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-02
Company: Universal Fidelity LP
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Twice already in 60 days this collection agency sent me a letter about an alleged debt that I owe. Twice already in 60 days I've asked this collection agency for verification of this alleged debt. Twice already I've given this collection agency the 30 days permitted by law to provide me with verification of the alleged debt. This collection agency has now had 60 days to provide me with verification of the alleged debt. This collection agency failed to do so. This collection agency continue to harass me with collection letters.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-11
Company: EQUIFAX, 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: Account information incorrect

Complaint:
XX/XX/2022 XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NOTICE TO CEASE AND DESIST To Whom it May Concern ; I XXXX XXXX, consumer, and natural person, am aware of ALL rights that I have, and which are protected by Congress under the Fair Credit Reporting Act ( FCRA ).

Pursuant to 1681a ( f ) Congress defines Consumer Report Agency : The term consumer reporting agency means any person which, for monetary fees, dues, or on a cooperative nonprofit basis, regularly engages in whole or in part in the practice of assembling or evaluating consumer credit information or other information on consumers for the purpose of furnishing consumer reports to third parties, and which uses any means or facility of interstate commerce for the purpose of preparing or furnishing consumer reports. 

Which XXXX XXXX regularly engages in whole or in part in the practice of assembling or evaluating Consumer credit information for the purpose of furnishing consumer reports to third parties.

15 USC 1681a ( 1 ) States the banking system is dependent upon fair and and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

15 USC 1681 ( 4 ) States there is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy XXXX XXXX is reporting false and inaccurate information on my consumer report.Thats damaging my reputation, which is leading to XXXXXXXX XXXX  and a host of medical and financial issues. This blatant privacy violation of furnishing false and inaccurate late payments without my knowledge is causing XXXX and XXXX in my life. I demand you CEAST AND DESIST reporting late payments from my consumer report that your furnishing to all the consumer reporting agencies.

Pursuant to 15 USC 1681n - Any person who fails to comply with any requirements imposed under this sub chapter with respects to and consumer is liable to that consumer. 

XXXXm giving you notice to CEASE AND DESIST furnishing the false and inaccurate late payments of XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX to all consumer reporting agencies immediately. 
Failure to comply will result in Civil Penalties. 


SINCERELY XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-22
Company: Experian Information Solutions 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:
I AM VICTIM OF AN IDENTITY THEFT, AND I HAVE SENT MY IDENTITY THEFT REPORT TO EXPERIAN NUMEROUS TIMES, BUT THEY NEVER SEEM TO GET ANYTHING IN THE MAIL OR WHEN YOU UPLOAD, TALKING TO THEIR AGENTS SAY WE HAV ENOT RECEIVED ANYTHING IN THE MAIL IF ITS NOT REACHING TO THEM WHY IS IT NOT COMING BACK TO ME. I HAVE ALSO TRIED TO UPLAOD THEY KEEP TELLING ME ITS NOT REACHING TO THEM, I NEED THE FRAUDULENT ACCOUNT TO BE REMOVED FROM MY CREDIT REPORT. THIS ACCOUNT WAS OPENED WITHOUT MY CONSENT, KNOWLEDGE.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-15
Company: Ditech Financial LLC
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Our monthly payment increased from {$860.00} to {$1000.00} even though we have fixed rate mortgage.   We ca n't pay that kind of increase with my dad 's unemployment and my mom 's health problems.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01
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:
I submitted a letter to the 3 Credit Bureaus to fix these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

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