BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.

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 2022-09-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
XXXX XXXX XXXX Trans Union FICO score went down on XX/XX/2022 from XXXX to XXXX and I do not understand why it went down when I have 100 % XXXX payment status. I have not made any large purchases on any of my credit cards. The only thing I did was change my address, but that should not cause my credit score to drop that dramatically. 

I should mention that on XXXX, 2022 my XXXX XXXX  Trans Union FICO went from XXXX to XXXX so it makes no sense that the score would drop XXXX points on XX/XX/2022 This drop in FICO score is preventing me from getting the best possible interest rate on my loans, and balance transfer that I am trying to get. 

I attached a screenshot of my XXXX card FICO score.

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 2022-09-20
Company: U.S. BANCORP
State: AL
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
XXXX XXXX or XXXX XXXX XXXX XXXX Loan # XXXX VIN XXXX Pay off letter was obtained XX/XX/22 for the amount of {$59000.00} good through XX/XX/22. 

The amount of {$59000.00} was wire transferred to the loan on XX/XX/22. The loan was paid off and closed and the title was sent to me by mail I have it in my hand with a letter from the bank stating the loan was paid in full. See attachments. 

On XX/XX/22 I reviewed loan online and the bank opened loan back up reversed the wire transfer then reposted the wire transfer for the incorrect amount of {$56000.00} reflect a outstanding balance owed of {$2400.00}. 

This is illegal and a violation of consumer protections regulations and UDAAP. 
This must be investigated and corrected asap.

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 monetary relief
Consumer complaint received 2022-06-25
Company: Chime Financial Inc
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble getting information about the card

Complaint:
I signed up for a credit building debit card from chime.account was approved and card sent out aswell as multiple emails on how to activate card make purchases or add money. I went through all steps, password and personal info after downloading app for the card in order to activate, after receiving the card in the mail I went to activate the card like it says through the app and it wouldn't let me sign in with my password wich I did not forget and have written down on fact.i try the steps to reset password on my own, they ask you to send a picture of yourself and a picture of your id front and rear bar code, then they say were texting u a pass code, no code is ever received, there's an option to update phone number, they ask u to send a selfie and and id picture, then I will receive a pass code only the pass code does not work, tried multiple times multiple ways, im very capable of online type sinus things and using devices. No mistakes on my end! I call customer service wich is a never ending loop of the same recording, so I try the fraud department and finaly talk to a human, who does absolutely nothing besides suggest what the online app does, after explaining ive send my id and selfies multiple times he tries sending me a passcode to reset my password, nothing ever comes in, you can hear children playing in the background I should add.afyer waiting with the guy for 20 mins no text, no email no nothing... so he says there's nothing he can do and someone will call me in 2 hours ... .no call received its been a week.aftwr multiple emails with an automated customer service robot I've asked multiple times to discontinue my account or to please have a number sent or someone contact me to fix the situation.after my repeated efforts they continue to email me the same message asking for my ID and selfie... .I belive chime is a fake company and if they are not they need to be shut down based on customer service alone.my name.is XXXX XXXX XXXX XXXX ) XXXX XXXX ca XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-02
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance to the Fair Credit Reporting Act this creditor has violated my rights under the 15 U.S.C. 1681 section 602 states I have the right to privacy 15 U.S.C. 1681 section 604 a it also states a consumer reporting agency can not furnish an account without my written instructions under 15 U.S.C. 1666 b a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-13
Company: Blackhawk Network Holdings Inc.
State: TN
Product: Credit card or prepaid card
Sub-product: Gift card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
I have applied a gift card to my XXXX XXXX account. The only allow 1 payment card per transaction. So if you end up with a gift card that is under {$1.00} it's not able to be used. This is forced breakage. 

You used to be able to combine gift cards or use a credit card with a gift card.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-28
Company: Credit Management Control, Inc.
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
After resolving many earlier fraudulent accounts that were opened under my identity, a new fraudulent account appeared on my credit report from the collections agency, Credit Management Control. This collections agency took over this account from the Original Creditor, XXXX XXXX XXXX  ( XXXX ). XXXX, XXXX, XX/XX/2022 at XXXX XXXX., I contacted Credit Management Control to file a dispute and spoke with their agent, XXXX. I informed her that I have been dealing with Identity Theft for the past months and let her know that I have lived in New Jersey all of my life and have no affiliation with Texas, which is the state the identity thief had opened this utility account under and prior utility accounts. Two addresses and a phone number were added under my credit report that are associated with this identity thief. Those addresses are XXXX XXXX XXXX, XXXX, Texas XXXX and XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, Texas XXXX. The phone number is ( XXXX ) XXXX, which is a number I have no association with.These are addresses and a phone number that need to be removed from my credit record. In addition, I have contacted XXXX to file a dispute about this collection since this credit bureau informed me about this collection by mail.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-20
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX Accounts below have violated my rights. 

XXXX ) XXXX Account Number XXXX XXXX Reported Balance {$0.00} XXXX ) XXXX Account Number XXXX XXXX Reported Balance {$350.00} XXXX ) DEPT OF ED / XXXX Account Number XXXX XXXX Reported Balance {$39000.00} XXXX ) DEPT OF ED / XXXX Account Number XXXX XXXX Reported Balance {$4700.00} XXXX ) DEPT OF ED / XXXX Account Number XXXX XXXX Reported Balance {$950.00} XXXX ) DEPT OF ED / XXXX Account Number XXXX XXXX Reported Balance {$4800.00} XXXX ) DEPT OF ED / XXXX Account Number XXXX XXXX Reported Balance {$950.00} XXXX ) DEPT OF ED / XXXX Account Number XXXX XXXX Reported Balance {$3800.00} XXXX ) DEPT OF ED / XXXX Account Number XXXX XXXX Reported Balance {$8300.00} XXXX ) XXXX XXXX Account Number XXXX XXXX Reported Balance {$3100.00} XXXX XXXX XXXX XXXX Account Number XXXX XXXX Reported Balance {$7700.00} XXXX ) XXXX XXXX XXXXXXXX XXXX Account Number XXXX XXXX Reported Balance {$4000.00} XXXX ) SELF/LEAD BANK Account Number XXXX XXXX Reported Balance {$0.00} XXXX ) XXXX XXXX XXXX Account Number XXXX XXXX Reported Balance {$0.00} XXXX ) XXXX XXXX XXXX Account Number XXXX XXXX Reported Balance {$0.00} XXXX ) XXXX XXXX XXXX Account Number XXXX XXXX Reported Balance {$610.00} XXXX ) XXXX XXXX XXXX Account Number XXXX XXXX Reported Balance {$1000.00} XXXX ) XXXX XXXX XXXX Account Number XXXX XXXX Reported Balance {$680.00} XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX 
Account Number xxxxxx XXXX Original Amount Owed {$230.00} XXXX ) XXXX XXXX XXXX XXXX XXXX Account Number xxxxxx XXXX Original Amount Owed {$220.00} XXXX ) XXXX XXXX XXXX XXXX Account Number XXXX XXXX Original Amount Owed {$470.00} XXXX ) XXXX XXXX XXXX Account Number XXXX XXXX Original Amount Owed {$160.00} XXXX ) XXXX XXXX XXXX Account Number XXXX XXXX Original Amount Owed {$170.00} XXXX ) XXXX XXXX XXXX Account Number xxxxx XXXX Original Amount Owed {$52.00} 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
The moment I received the duplicate of my report that I purchased with XXXX, I immediately called your department since I saw some UNVERIFIABLE items on my personal profile. I discovered that there were COLLECTION, CHARGE OFF and LATE CLOSED accounts on my credit report. This is disappointing because I have been paying XXXX to get a report every month and I have been disputing fraud items on my credit report all this time as well as this incorrect information on my personal profile on my personal profile but still youre not taking any actions. I have never with these items listed below, so please help me remove these collection, charge off and late closed accounts. A copy of my Utility Bill, drivers license, and Social Security Number are all included in this written request. Please help me resolve this issue as soon as possible. Im requesting that you follow the law by removing this inaccurate information and please provide me with a free updated credit report within 30 days. If I dont receive a return response within 10 days, I will file a complaint with the Attorney General, Consumer Financial Protection Bureau XXXX and the XXXX XXXX XXXX XXXX 
Please immediately respond. Please do not email me a common verification. Please do not add me to the list of people who complain about your delay tactics. Im very persistent & will not let your unwillingness to comply the law stop me. I'll re-attach my Drivers license, SSN and current Utility Bill as verification of my ONLY address.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-06-25
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
My data was leaked 3 times. I have proof of this from my credit Report. I had cards opened in XXXX and And XXXX XXXX with XXXX XXXX. I reported these cards as theft and they closed the XXXX XXXX and took the balance away, and then they brought it back. My XXXX  card account was closed but they say I am still responsible for The card. I live in XXXX and the charges were all in New York. I would like this removed from my credit report. It has brought my score down XXXX points.

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 2022-09-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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:
This is XXXX XXXX XXXX submitting yet another CFPB Complaint to request that the Credit Bureaus update the disputed acounts reporting erroneous information on my Credit File! The Credit Bureuas are required to correct the disputed accounts under the provisions of the Fair Credit reporting Act. I took my time and carefully analyzed my Credit File and realized that despite the countless Dispute letters as well as CFPB complaints submitted, the Credit Bureaus have not corrected my Crediet File at all! I am submitting this CFPB complaint to request that the Credit Bureaus remove the late payment s from the payment history of the disputed accounts. I always make my payments on time I never missed a payment! Please correct the following accounts on my Credit File : XXXX XXXXXXXX XXXX XXXX XXXX Opened XX/XX/XXXX Balance : {$680.00} XXXX XXXXXXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance : {$2000.00} XXXX XXXX XXXX  Opened XXXX XXXX, XXXX Balance {$20000.00}

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 2022-06-25
Company: GOLDMAN SACHS BANK USA
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: Information belongs to someone else

Complaint:
My data was leaked 3 times. I have proof of this from my credit Report. I had cards opened in XXXX and And Apple Card with Goldman Sachs. I reported these cards as theft and they closed the Apple Card and took the balance away, and then they brought it back. My XXXX card account was closed but they say I am still responsible for The card. I live in XXXX and the charges were all in New York. I would like this removed from my credit report. It has brought my score down XXXX points.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-25
Company: PNC Bank N.A.
State: WV
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Someone somehow got into my phone using the SIM card, and sent two sums of money to someone named XXXX XXXX, one transaction was {$150.00} and one was {$170.00}. PNC Bank has refused to refund my money because I had also disputed a transaction back in XXXX for I believe two XXXX transactions. The first time I called after they declined my refund I was told it was because the transactions were over 60 days old, and the ones in XXXX were so okay thats fine, however the {$150.00} dispute was filed on XX/XX/2022 and transaction took place on on XX/XX/2022 and {$170.00} happened on XX/XX/2022 and was disputed on XX/XX/2022. So PNC initially tried to say they were 60 days old, I was placed on hold for 45 minutes and nobody ever came back to the phone, so I called back only to get the an explanation of because I caught the XXXX ones after I caught the XXXX and XXXX ones that they werent giving any of it back. I went back through my statements after I caught the two {$150.00} and {$170.00} because they prompted me to check. PNC bank has caused my account to go negative with this because they took back the {$320.00} provisional credit when they werent supposed to. In addition to that, when I disputed them the second time, they declined me again, however if I didnt receive any info within XXXX business days I was supposed to receive another provisional credit. Over XXXX business days went by with no credit. Also I was supposed to receive a call back from the dispute department and still havent, its been almost XXXX hours and they said Id be called in XXXX. This is unbelievable, Ive got other transactions that I need to dispute with them but I dont feel confident Ill recover my funds.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-11-28
Company: CCS Financial Services, Inc.
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: Information belongs to someone else

Complaint:
There is a fraudulent account reporting on my credit that was opened by someone other than me. The account is CCS Collection/nationwide. I have requested that this collection be closed and that this account be removed from my credit report as its categorically not mine.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-28
Company: EQUIFAX, INC.
State: TX
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:
I went through my credit report and I don't recognize the following inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Equifax Violated my rights under 15 U.S.C 1681 section 602 A. States I have right to privacy.

15 U.S.C 1681 section 604 A Section 2. it also states that a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-25
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
n accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX Account XXXX XXXX, XXXX XXXX XXXX I Account # XXXX, XXXX XXXX XXXX Account 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 response to consumer: Closed with explanation
Consumer complaint received 2022-11-28
Company: SELECT PORTFOLIO SERVICING, INC.
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
This is the 2nd time my Mortgage Servicer has not applied my mortgage payment paid by XXXX, that was made on XX/XX/XXXX, in the amt of XXXX, I have 2 more payments that will be made by XXXX, in XX/XX/XXXX, & XX/XX/XXXX, Select Portfolio never Post the ACH Wires in a timely manner this puts my account in a default status threating Foreclosure, and stress on me.. My last complaint was XXXX, which was resolved, I don't want to keep making complaints regarding I would like for Select Portfolio to fix their Posting issues

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
n accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX Account XXXX XXXX, XXXX XXXX XXXX I Account # XXXX, XXXX XXXX XXXX Account 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 2023-11-13
Company: Maximus Education, LLC dba Aidvantage
State: PA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I had applied for a new SAVE plan over 60 days ago on XX/XX/23 before the payments were supposed to resume. They placed my account into forbearance pending " administrative form. '' My SAVE plan was marked as approved on studentaid.gov and my payment amount was calculated as $ XXXX. I recently received an email stating that my new payment was {$140.00} and for the PAYE plan which is obviously wrong. I have emailed them 5+ times and attempted to contact them via chat and call. My new due date is XX/XX/23 and they have taken me out of forbearance.

Company response to consumer: Closed with explanation