BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-30
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: Account information incorrect

Complaint:
I have reached out to ALL 3 credit bureaus- XXXX XXXX XXXX XXXX Equifax several times to have this account ( XXXX ) with ( XXXX- name reported on my credit report ). The first time was for them to verify this account and send me documents of their method of verification and proof. I RECEIVED nothing but a stall letter saying that I the account was verified. The second letter I asked for a reinvestigation and they replied with the same letter and ignored my request. I also pointed out some violations on this account to the bureaus that was also IGNORED. This account have different information reporting from each bureau which lets me know that they are also in VIOLATION of Metro 2 Compliance. Each bureau is showing DIFFERENT account numbers on my credit report, HIGH BALANCE, LAST VERIFIED DATE, DATE OF LAST ACTIVITY, OPEN DATE, & CLOSED DATE, just to name a few. This information is INACCURATE which explains WHY the 3 credit bureaus CAN'T verify this account and present me actual PROOF of their method of verification of WHO they verified this account with and the actual ORIGINAL DOCUMENTS bearing MY SIGNATURE.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
I have reached out to ALL 3 credit bureaus- TransUnion XXXX XXXX XXXX XXXX several times to have this account ( XXXX ) with ( XXXX name reported on my credit report ). The first time was for them to verify this account and send me documents of their method of verification and proof. I RECEIVED nothing but a stall letter saying that I the account was verified. The second letter I asked for a reinvestigation and they replied with the same letter and ignored my request. I also pointed out some violations on this account to the bureaus that was also IGNORED. This account have different information reporting from each bureau which lets me know that they are also in VIOLATION of Metro 2 Compliance. Each bureau is showing DIFFERENT account numbers on my credit report, HIGH BALANCE, LAST VERIFIED DATE, DATE OF LAST ACTIVITY, OPEN DATE, & CLOSED DATE, just to name a few. This information is INACCURATE which explains WHY the 3 credit bureaus CAN'T verify this account and present me actual PROOF of their method of verification of WHO they verified this account with and the actual ORIGINAL DOCUMENTS bearing MY SIGNATURE.

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 2023-10-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
To Whom this may concern, I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in anyway.

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 2023-11-17
Company: Experian Information Solutions 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:
My account with XXXX is still reflecting negative remarks on my credit report with all XXXX credit bureurs when I was covered under the XXXX outbreak. No one has responded to any of my letters and now I am being forced to result to CFPB. 

According to 15 U.S Codes : 120 days after the date on which the national emergency concerning the novel XXXX XXXX ( XXXX ) outbreak declared by the President on XX/XX/2020 under the National Emergencies Act ( 50 U.S.C. 1601 et seq. ) terminates. 

if the credit obligation or account was delinquent before the accommodation ( aa ) maintain the delinquent status during the period in which the accommodation is in effect; and ( bb ) if the consumer brings the credit obligation or account current during the period described in item ( aa ), report the credit obligation or account as current.

Company response to consumer: In progress
Consumer complaint received 2023-11-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: RI
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 am trying to have a closed account removed from my credit. It has been a few years and it has negatively effected my credit. I have sent letters, emails and made calls to XXXX XXXX XXXX XXXX. The past due amounts are incorrect as well. This account needs to be removed from all XXXX credit bureaus.

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: 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: Investigation took more than 30 days

Complaint:
Hi I am submitting this XXXX XXXX without any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX  has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX XXXX XXXX XXXX PLEASE HELP ME PLEASE

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 2022-10-21
Company: SYNCHRONY FINANCIAL
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Report provided to employer without your written authorization

Complaint:
I been told it was rewards card which i didn't know it will affect my credit. I answer no when they asked but the employee sounded forced me to apply which i didn't know something like this would happen to my credit report. Basically i wasn't informed of the application being for a credit card and didn't consent to the application.

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 2022-12-07
Company: BSI Financial Holdings, Inc.
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
BSI Financial ( servicer for XXXXXXXX XXXX ) finished the review of my escrow account on XX/XX/XXXX. Their review indicated that I had an overage of {$2000.00}. When I login to my online account, they have added a line in my transaction history stating that they have refunded this amount to me, however, this is inaccurate. I grew concerned that I had not received a check in XXXX and called the company. I called them on XX/XX/XXXX and they stated that the amount needed to be reviewed for 30 days, then I would be issued a check. I called again on XX/XX/XXXX and they stated the 30 day review would be complete on XX/XX/XXXX and I would receive a check. It is XX/XX/XXXX and I have not received a check. I called this morning and the customer service representative stated that the check has not even been cut yet and that " he will call me back once he investigates. '' The FDIC states that mortgage companies have 30 days after escrow analysis to refund any surplus, which BSI Financial is in clear violation of. If this continues I plan to seek legal representation and action.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-30
Company: Chime Financial Inc
State: AZ
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
In XX/XX/XXXX I made an account with Chime bank. I was transferred {$1900.00} into this account and didnt touch it until XX/XX/XXXX. In XXXX, I did what I thought was link my XXXX bank account with my Chime bank account. The only way to link them is to go to my XXXX app, which unlocks to my personal account only using XXXX XXXX, meaning I only could have linked my personal XXXX account. After doing this, I transferred the {$1900.00} from my Chime account to what I thought was my Chase account and didnt think about it again because I was saving the money. On XX/XX/XXXX I realized the funds never transferred and I contacted Chime member services immediately. I was told that the {$1900.00} was transferred into a XXXX account that was not mine. I was given the account and routing number for the XXXX account that the {$1900.00} was transferred into and was told to contact XXXX. I was told that since the funds were already transferred and cleared, there was nothing that Chime could do for me. I called XXXX right away and was told by a XXXX member that the account and routing number that the funds were transferred into does not match any account and/or routing number of theirs. I was told I need to get back in contact with Chime because XXXX obviously could not do anything for me. I called Chime back right away and was finally able to file a dispute over the phone. The dispute was denied within XXXX hours, saying no error occurred. I called Chime and was told by a chime member that my situation would be getting escalated because it was of high importance and that I would be hearing back from them ASAP. After not hearing back for at least a week, I called Chime again and was told my situation was not escalated and that I need to file a rebuttal. I filed the rebuttal and was told Chime has 45 days to get back to me. I have attached 2 images, one showing the last 4 digits of my personal XXXX XXXXhecking and savings accounts, and the other one showing the last 4 digits of the account that the {$1900.00} was transferred into. They clearly do not match, and the account that the funds were transferred into say XXXX next to them, even though its not actually a XXXX account. There is very obviously some kind of fraudulent activity going on within Chime and I would love to finally get to the bottom of it and have my money returned to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-26
Company: Goal Structured Solutions, LLC
State: PA
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:
I signed up to be the cosigner for a loan, servicer Launch Servicing LLC ( on behalf of XXXX XXXX ), for career training for the primary borrower. The primary borrower declared bankruptcy this year prior to the first payment of the loan coming due. The account was listed as in default in XXXX of 2022 but when asked about this Launch stated that this was an error, the loan was in fact NOT in default and the status returned to deferment. I received a notice dated XX/XX/2022 stating that since the primary borrowers bankruptcy was discharged I would now be solely responsible for the loan. It should be noted that this is the last correspondence I received from Launch and any further contact has been initiated by me. I was aware that this was the case so I was logging in the check the status periodically in preparation of the first payments due date. I checked in early XXXX and saw that the balance was showing as {$0.00}. I called in to inquire as to why that is and was told that the lender had decided to discharge the loan. I was not given a chance to make payments per the agreement I signed ( all cosigner related documentation attached ). They have not given me the opportunity to fulfill my obligation to pay and have reported the account as charged off on my credit report unfairly. I contacted Launch and requested they reopen the account, allow me to make the payments and remove the report from my credit report. They have refused to reopen the account and claim that the report is just. The survivability clause in the credit agreement states that the original agreement stands even in the event of primary borrowers bankruptcy making this report unfair as they stole my ability to make the required payments. Launch has stated that it is XXXX 's policy to charge off the account in the event of primary borrower 's bankruptcy but this is not stated in any of the loan documents that I or the primary borrower signed. They have violated the initial agreement. Proof showing that the account was never in actual default attached despite their claims when I call in that the account was in default at one time

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-01
Company: EQUIFAX, INC.
State: OH
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 # 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 Secti
on 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 2022-06-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with Fair Credit Reporting Act : Account Name : XXXX  XXXX, Account Number : XXXX has violated my rights ; Section 602 ( a ) /15 USC 1681 states that I have a right to privacy.

Section 604 ( a ) /15 USC 1681b states that 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 2022-12-07
Company: The CBE Group, 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 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 d payment on a credit card account under an open end consumer credit plan as late for 322 purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
FCRA violations : accounts not mine XXXX XXXX XXXX XXXXXXXX Potentially negative Date opened XX/XX/XXXX Balance {$0.00} Status Closed. {$11000.00} written off. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$370.00} Status Account charged off. {$37.00} FCRA violations : inquires not mine XXXX XXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX On record until XXXX XXXX XXXX XXXX XXXX  XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXXXXXX XXXX  XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXXXXXX XXXX  Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXX On record until XXXX XXXX XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XXXX XXXX XXXXXXXX XXXX XXXX  XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XXXX XXXX XXXX XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/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 2023-11-29
Company: The Outsource Group, Inc
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
They call just about every day or every other day. When I answer, it's a bot instead of a person. They request that you call back a different number that they call you from if you want to speak to a human. Once you do get a hold of a person, they are rude and very short with you. I've requested multiple times that they send a debt validation letter but they have yet to send it out. I've requested that they stop calling me until they send a letter and yet they still send automated calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
Please eliminate these deceptive accounts from my credit report as I never authorized anyone to use my account. Kindly remove this incorrect 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 non-monetary relief
Consumer complaint received 2022-09-01
Company: JPMORGAN CHASE & CO.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I went into a branch to apply for a Chase freedom unlimited card on Friday XX/XX/2022 because I was getting a lot of promotional emails, the most recent one on Wednesday XX/XX/XXXX, but also the same one on XX/XX/XXXX, and XX/XX/XXXX, all stating that I would earn {$200.00} cash back if I spent {$500.00} or more in the first three months of opening this credit card and 5 % back on gas station purchases on up to {$6000.00} spent within the first year if I apply before a certain date, the most recent email saying XX/XX/XXXX. When I went into the XXXX chase branch to ask about it and apply, the lady told me that I was getting an even better deal for coming in, that I would get all of that AND {$250.00} cash back. I got the {$250.00} cash back, which is nice, but after putting all gas purchases on that card, and it was a very expensive almost $ XXXX month for gas, they only gave me 1.5 % cash back on those purchases instead of the 5 % I was promised. I called the phone number on the back of the card and spoke with a supervisor on XX/XX/XXXX who informed me that she put a note on my account and that the chase marketing team would either reach out to me in about 7-10 business days or the rewards will automatically come on because I am entitled to what I was promised. Fast forward to XX/XX/XXXX, well after the 7-10 business day period she mentioned, and nobody has reached out to me and the problem has not been resolved. I call them again today and ask to talk to a manger to find out what the status of it is, and I'm told that because I didn't click the link in the promotional email that I am not entitled to the 5 % benefit. She told me that she put another note on my account that I called and that I should hear from the chase marketing team at some point, but reiterated that I am not entitled to the benefit just because I don't follow up with the email link. I argued that I was and that the branch lady promised me I would still get these benefits. Nowhere in their terms of service does it say that the promotion only applies if I click the link. I tried before to follow up with the lady at the branch but she's been on vacation all month and I thought this was an easy problem for chase to resolve without her, but it turns out unfortunately they are giving me a way harder time than I deserve. You can't promise somebody all of these special promotions and just not follow through with them. I would appreciate any help on getting the money that I am entitled to. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
I did not open these accounts

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