BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-25
Company: EQUIFAX, 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:
IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT XXXX ACCOUNTS XXXX, XXXX. HAS VIOLATED MY RIGHTS.

-15 U.S.C. SECTION 602 A STATES I HAVE THE RIGHTS TO PRIVACY -15 U.S.C. SECTION 602 A SECTION 21 IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-25
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:
IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT XXXX  ACCOUNTS XXXX, XXXX. HAS VIOLATED MY RIGHTS. 

-15 U.S.C. SECTION 602 A STATES I HAVE THE RIGHTS TO PRIVACY -15 U.S.C. SECTION 602 A SECTION 21 IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN 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 2022-06-27
Company: DISCOVER BANK
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
I called a company ( XXXX ) on XX/XX/XXXX, to reserve a 16 day stay at a safe location, the company charged me ( XXXX ) for that location and sent me a receipt for that location. The company booked me in a different location than the one I paid for. I filed this dispute with my credit card company, XXXX. XXXX sent XXXX documents that verified that I did call them and had a call with them but not the specific evidence to effectively dispute my claim. However, DIscover said that I, " ... had a transaction with them ... '' and therefore would not reverse the charges to the vendor, XXXX. 
I have been making automatic payments to pay my bill since the beginning of using my Discover card and have done so until XX/XX/XXXX when I made the 'fraud ' dispute. DIscover had to send a new card and therefore my bank is no longer connected to them for payments. 

Discover did not do their due diligence to get the recording that would clarify this situation. They instead accepted the limited information XXXX provided and ruled in their favor. I have had Discover and XXXX look at this complaint no less than three times to no avail. I am filing a complaint against XXXX as well. 
Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-27
Company: Chime Financial Inc
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I have credit monitoring services and was alerted an address i did not recongnize was on my credit report. I immediately tried to dispute the address with XXXX but i was told i could not do so becaise Chime/XXXX reported the address. I then immediately contact Chime to advise this was not my address and i did not know where the address came from. I was told by Chime my address was updated and would be changed on XX/XX/XXXX as it takes 30 days for the information to update. Its been over 2 months and the info has not been corrected. I have made multiple attempts with both XXXX and Chime and getting nothing but the run around. I am asking for this informtion to be corrected on my report immdediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-29
Company: IQOR US INC
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I was renting an outdoor storage space from XXXX XXXX located at XXXX XXXX XXXX XXXX, NC. XXXX and on XX/XX/XXXX I notified them I would be vacating the property on or before XX/XX/XXXX through the XXXX XXXX XXXX XXXX XXXX I received confirmation of my move out date and did not reenter the property after XX/XX/XXXX. On XX/XX/XXXX the app notified me I had a pending payment due for XXXX which I promptly called the XXXX XXXX XXXX # and spoke with a party to discuss my previous move out statement and timing. The attendant told me not to worry once the location returned they would review my history and complete my move out date of XX/XX/XXXX. On XX/XX/XXXX I received a letter from Allied Interstate LLC who stated they were a debt collector pursuing the charges on behalf of XXXX XXXX. I explained my situation in both an email and by phone which resulted in no additional action taken to absolve the amount pursuant by XXXX XXXX. It is unreasonable that XXXX XXXX never contacted me and only immediately sent this to a debt collector who at this time is pursuing charges not owed.

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 2022-04-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
In accordance with the Fair Credit Reporting act. XXXX, Transunion, XXXX has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

These addresses do not belong on my credit report. 

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 These Phone numbers do not belong on my credit report XXXX XXXX XXXX This Name do not belong on my credit report 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 2022-11-29
Company: Island Finance Puerto Rico
State: PR
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
On XX/XX/XXXX I went to the financial institution to ask for the payoff quote of my loan. I knew my last payment was on XX/XX/XXXX, I just didn't know how much would be the amount. When I get my letter stating the payoff balance, the amount was {$2300.00}. When I asked the assistant Manager, she stated that it was in result of the loan extension that was automatically applied to my account due to the Hurricane Maria emergency and that was the amount to be paid. I was not able to analyze the information at the moment of receiving the payoff letter due to my agenda. After reviewing the letter and seeing the outstanding balance being almost half of the initial unpaid principal balance ( {$5000.00} ) at the beginning of the loan back in XXXX, I realized that this was an unfair, deceptive and abusive practice. Once I went to the branch to discuss this high amount of the last payment, on XX/XX/XXXX they advised me that the interest for the loan extension had been accruing interest for all these years even though I never agreed to the terms and conditions of the alternative and it was automatically imposed on all customers. I never had the opportunity to refuse or sign any document or contract that stipulates that I was in agreement to the loan extension, and never got any letter stating the same terms and conditions being applied to my loan account. They advised me that there was nothing they could do to solve the matter and advised me to request the loan history with the customer service department but they could not provide details regarding balances of the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-28
Company: Radius Global Solutions LLC
State: TN
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:
Radius global solutions is a scam and only there to Corner people, my XXXX XXXX the one that they are supposedly saying is XXXX dollars in the rears was actually closed 2 months before this bill. Called XXXX they confirmed the account is actually in the positive and has had an account credit, spoke with radius multiple times, they are rude and refuse to look into anything ... what they do is wrong and they do not confirm debts before they go crazy on your credit report. This is affecting my ability to close on my home so I will be seeking legal counsel after this is proved correct. I have account balance screenshots also XXXX said call them they will confirm I have 3 open accounts all paid 100 % on time ......

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 2022-11-29
Company: ENCORE CAPITAL GROUP 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:
They are not properly investigating my claim. The address the initial " letter '' went to is incorrect also I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-27
Company: EQUIFAX, INC.
State: MI
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 Account XXXX XXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX  XXXX Account number ending in XXXX XXXX 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 2022-06-07
Company: EQUIFAX, 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 # XXXXXX, has violated my rights. 


15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 UL.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
Consumer complaint received 2023-09-13
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2022-06-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.

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 2022-04-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act XXXX, account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting Act XXXX 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 602 ; it also states a consumer reporting agency can not furnish an 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 2022-09-21
Company: JPMORGAN CHASE & CO.
State: IN
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I was banking with chase from I believe XXXX of XXXX until XXXX of XXXX and someone hacked into my account and began doing fraud. I contacted them trying to resolve the issue and they stated they couldnt do anything about it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-07
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 IL XXXX, Account # XXXX, has violated my rights. 


15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 UL.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 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 2023-09-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have a XXXX  account with a credit builder pre paid credit card. They approved a charge for {$370.00} when funds werent available. I deposited by direct deposit {$100.00} per pay check and paid off the amount of {$370.00} by XX/XX/2023 and even responded to their emails stating if i didnt make a payment they would report me as late. they responded thak you for the update we will update your account. They reported my 60 days late with full balance still owed and my score dropped by XXXX points. i was denied housing because of this. i re disputed this with credit bureau and its on my report as disputed. Today XX/XX/XXXX all 3 bureaus reported me as 120 days passed due with a balance of {$170.00}. as of today a have a available balance of XXXX. I withdrew all my funds and demanded this account be closed for over a month. I submitted all the proof to you see past complaint against XXXX as well as uploaded it to the credit bureaus. So before I end up homeless due to this not even error at this point. its a deliberate action on the part of all parties at this point, id like transunion, XXXX and XXXX  to remove XXXX info off of my 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 2023-09-13
Company: EQUIFAX, INC.
State: CT
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-16
Company: HUNTINGTON NATIONAL BANK, THE
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My mortgage is being serviced by Huntington Bank, it is held by XXXX XXXX. 
Back in XX/XX/XXXX I took advantage of the payment deferral program - offered due to financial difficulty. 
After offered 6 months of deferring my payments I have notified the bank that I will be making my regulars payments starting in XXXX. Bank notified me that they will send me a packet of documents for me to sign and send back. I have received the modification paperwork have notarized them and sent them back to the bank back in XX/XX/XXXX. 
In XXXX I have tried to apply for refinancing with XXXX for XXXX XXXX and my application was rejected because of the deferral program, which by the way when I signed up for it, it was not disclosed to me that it will prevent me from refinancing my loan for over 4-5 months after going off of it. 
Since XXXX I have made all of the required payments up until XX/XX/XXXX. 
I have called the bank about 10 times and sent couple emails to inquire about completion of the modification of my loan. 
I have not received any emails back from Huntington Bank, I have called and requested to speak with a manager as different CS representatives were providing me with different versions of the standing of my loan. Including responses such as that I am late with my loan and that the modification required paperwork has not been received. 
When I received a call back from a manager, I was not able to answer. They call back after 4 days of my request to speak to them! They leave a message and ask to call back to CS department and request another manager call back! 
At this point due to the almost 4-month delay and no response from the bank, I am concerned that I will not be able to refinance my loan due to a change in my employment history that took place in XX/XX/XXXX.

Every person I spoke with at CS say that they are sorry, that COVID got them backed up, etc, etc. No resolutions, no proper manager intervention, constant misinformation, and lack of accountability! 
From what I understand there are thousands of applications that are being held uncompleted for months! It's just yet another way banks are taking advantage of this pandemic situation. Will they get away with it? Probably. 

Attached is the Modification Letter from the bank. 
Confirmation of the delivery of the modification paperwork by XXXX. 
Label of the modification documents package with the addressee.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-29
Company: Winklevoss Exchange LLC
State: MD
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
Hello, On XX/XX/, I received a notice from Gemini that all XXXX funds in their Gemini Earn program were to be frozen, due to the freezing of funds by XXXX, the third party company holding the funds on the Gemini Earn platform. This goes against Geminis claim that all Gemini Earn funds can be accessed in five days or less. This claim is a big reason I chose to place funds in Gemini Earn and now that they are not honoring it I would like to reclaim these funds and reinvest them elsewhere. 

I attempted to withdraw my funds ( consisting of approximately {$8000.00} in XXXX stable coin, XXXX XXXX XXXX, XXXXXXXX XXXX and XXXX XXXX ) from my Earn wallet on XXXX XXXX XXXX Today, ten days later, XX/XX/XXXX, the transactions still say Pending and no funds have been withdrawn. I reached out to Gemini support yesterday and their response was that funds are still frozen due to XXXX freezing of their funds. While I understand this is an inconvenience, I still would like my money back, which I purchased on their platform and placed into the Gemini Earn program. They marketed it as a safe Gemini product and they need to return my money no matter what happens with XXXX. 

I look forward to hearing back and I hope that Gemini makes this right ASAP. 

Thanks for the help.

Company response to consumer: Closed with explanation