BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-29
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 XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXXXXXX XXXX  # XXXX, XXXX XXXXXXXX XXXX # XXXX, have 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 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 with an

tedates the report by more than seven years. 15 U.S.C 168s-2 ( A ) ( 1 )
A person shall not furnish any information relating to a consumer reporting agency if 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 2022-09-29
Company: Chime Financial Inc
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
On XX/XX/XXXX I got a Robocall from CHIME, stating I won the XXXX Giveaway they were having that day. I was told to go to the link they provided and fill out form to get my 6 digit winning code. I clicked on link and filled out form which included my full name, address, phone number, and it looked like the chime login, so I logged in. I didnt receive a code, I received an automated message thanking me for my inquiry. That is when red flags started going off, and I called the # on back of my chime card at XXXX, but was on hold entire time. I hung up so I could send my brother all my money in my account {$550.00}. I could no longer log in, the thieves had control of my account login, which they changed 3 times with 3 different devices and from NY, they also changed my PIN #, and my phone number. I have all emails stating everything they changed. I called CHIME back at XXXX, begged them to shut my card / account down but I was put on hold. While on hold at XXXX a transaction for {$550.00} to XXXX went through my account. This merchant is supposedly a T-shirt merchant in XXXX XXXX XXXX XXXX I was on the phone the second time for over 2hours, trying to regain control of my account and changing emails, passwords etc. I still dont know if the thieves used my debit card or used my Routing and Account number. On XX/XX/XXXX I started a Dispute, dispute # XXXX. I sent XXXX screenshots I took of the Scam, then of the 3 emails stating changes to XXXX, an email for change of my Pin #, and change of phone number. The proof I have of this scam is irrefutable, so it should of been. On XX/XX/XXXX I received an email from Chime stating my Dispute was Denied due to No Error Occurred! I replied to that email and also sent them a screenshot of my phone log, that shows I was on the phone with CHIME prior to this transaction, trying to shut my account down. On XX/XX/XXXX I received an email stating they received XXXX docs, which was the screenshot of my phone log. On XX/XX/XXXX I called chime directly and asked for all documents that were viewed/ used in my dispute, under XXXX XXXX I am supposed to be granted. Now its XX/XX/XXXX and I called again and they said that my dispute is still in the rebuttal stage and to wait XXXX business days for an update and for an email with all documentation being viewed in this investigation. Chime also emailed me with a new dispute # XXXX. They are sending me a new chime debit card but has yet to change my account # that the thieves had access to. Please help me, I have been sick over this. After reading all the chime complaints with XXXX, over XXXX people have the same story as I do. The only people that got there stolen monies back were the ones that went to a XXXX outlet.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-02
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Received unsolicited financial product or insurance offers after opting out

Complaint:
My credit was pulled without my knowledge or authorization by these companies. 

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 2022-08-23
Company: EQUIFAX, INC.
State: MD
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 sent in multiple letters ( give a date that is back dated about 60-90 days ) addressing these situations and you ignored my letters. However, I need these laws applied to my report or I will take legal action. 
15 U.S code 1692 ( g ) validation of debt 15 U.S code 1692d harassment and abuse 15 U.S code 1692e False or misleading representations 15 U.S code 1692f-Unfair practices Under 15 U.S code 1692k civil liability

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-02
Company: Experian Information Solutions Inc.
State: MD
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:
Unauthorized EXPERIAN credit pulls from : 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 2022-09-29
Company: EQUIFAX, INC.
State: IL
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:
Hi I am submitting this XXXX XXXX this isn't 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 XXXX 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 XXXX rept but they refused they had me on mute for XXXX 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 XXXX 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 XXXX now XXXX XXXX  XXXX cant provide to my XXXXXXXX XXXX XXXX daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-13
Company: EQUIFAX, INC.
State: IL
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:
Hi I am submitting this XXXX XXXX this isn't 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 XXXX has me at a score around XXXX. 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 XXXX 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 XXXX ftc and affidavit That was after attempting to contact XXXX mXXXX XXXX XXXX XXXXimes. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX  year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Reporting company used your report improperly

Complaint:
I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

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 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 

TransUnion Employer : SXXXX XXXX XXXX XXXX XXXX XXXX Addresses : XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, GA XXXX Inquiries : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX  XX/XX/XXXX Collections : 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 Addresses : XXXX XXXX XXXX, GA XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, TX XXXX Inquiries : XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX Collections : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX Employer : XXXX XXXX TXXXX XXXX XXXX XXXXXXXX Addresses : XXXX XXXX  XXXX XXXX, TX XXXX XXXX XXXX  XXXX XXXX, TX XXXX XXXX XXXX  XXXX, KY XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX Collections : 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 2022-08-02
Company: Experian Information Solutions Inc.
State: CT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Im submitting this complaint to inform you that I am a victim of identity theft and I write to dispute certain items in my file resulting from the crime. The items I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from the alleged identity theft. 
These following items listed below are unknown to me. 
XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ; XXXX XXXX XXXX XXXX XXXX, WA XXXX ; XXXX XXXX  XXXX XXXX XXXX XXXX KY XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$560.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX  ) Date Opened : XX/XX/XXXX XXXX Balance : {$160.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX 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 non-monetary relief
Consumer complaint received 2022-12-13
Company: AES/PHEAA
State: UT
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
My loan was serviced by FedLoan Servicing XXXX XX/XX/2022 I requested a refund of my student loan payments made during the pandemic totaling {$10000.00}. 
I was told the request was successful and I would receive the funds in 6-12 weeks. 
On XX/XX/2022 I called to check on the refund because I hadn't received any information or money. 
I was told by FedLoan Servicing that the money was already transferred to me in XXXX. But I haven't actually received any money. No one will tell me where it was sent.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-23
Company: TRANSWORLD SYSTEMS INC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Transworld Systems, representing XXXX XXXX is falsely accusing me of owing an energy bill from XXXX, Texas. I have called them and written to them, that I have never visited, lived or done business in Texas. I have resided in the same state for the past 40+ years. They went ahead and hit my credit report with a collection. 

They are calling friends and relatives via phone and text, scaring them to find me because legal actions are being taken and I will be jailed. 

Please let me know if you need anything else from me. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-18
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL
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:
Dear Sir or Madam, As discussed with the lender to no avail, I was not aware that Fifth Third Bank had assumed my mortgage from the previous lender, as I had received no correspondence nor any phone calls from anyone until XX/XX/XXXX. 
On XX/XX/XXXX, I spoke with Fifth Third Bank 's customer service representative who explained that Fifth Third Bank had become the new lender, and, as a result, it was owed 3 months-worth of mortgage payments. Even though I was surprised that nobody had contacted me before, on the very same day, I wired the amount owed at that time, i.e., {$5100.00}. Since then, I have been paying the mortgage payments regularly, that is, I paid {$1200.00} on XX/XX/XXXX, and {$1200.00} on XX/XX/XXXX. In addition, I also enrolled in automatic payments. As my credit history demonstrates, I have never, not once, missed a payment with any creditor. Despite Fifth Third Bank failure to contact me about the assumption of my mortgage until XX/XX/XXXX, and despite my punctual payments since then, they have not updated my statements. In addition, to my surprise, they have also reported false information to credit agencies and noted that I have missed all payments to date, even though I have paid all that is owed so far, that is, a total of {$7700.00}. 
I am therefore hoping that you would assist with this matter and request that they update their records and immediately withdraw the delinquency notice with the credit agencies. 
Please contact me at XXXX if there is anything I can provide ( bank statements, etc. ). 
Thank you and best regards, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-02
Company: EQUIFAX, INC.
State: NJ
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:
This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. This has been my several attempts to notify you that I am a victim of identity theft and I write to dispute certain account in my file resulting from the crime. The account I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. These accounts areunknown to me. Also, the information you provided on some accounts are DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some accounts are mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind. 

XXXX XXXX, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-12
Company: Affirm Holdings, Inc
State: OR
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 opened a small loan with Affirm in XX/XX/XXXX. I began making payments in XX/XX/XXXX. I made all payments since then on time and for the full amount. Affirm reported the total balance and the first XXXX payments to XXXX. After 11 months of payments, Affirm did not reported again. In XX/XX/XXXX Affirm stop reporting any information to XXXX and XXXX removed the loan from my credit history. This lowered my XXXX XXXX by removing the a history on time payments and increased my debt to available credit ratio. They have harmed my XXXX XXXX when there is ample evidence that I have met my contractual obligations to Affirm, including paying their very high interest rate. The sole purpose o this loan was to build a credit history and therefore increase my score.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-23
Company: Flagstar Bank, N.A.
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Payments were made in advance on XX/XX/XXXX and XX/XX/XXXX. XXXX applied early payment toward principal instead of the next month. Payment should have been paid early up to XXXX. On XX/XX/XXXX I was notified I was now behind. This was past their XXXX period to change the payments from principal to monthly payments. So now I am $ XXXX behind and they refuse to reallocate the payments made toward to past due balance.

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 2022-09-29
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:
My name is XXXX XXXX and i understand that by ferderal law i am a protected consumer who's Rights are being violated. Ive sent so many letters from XX/XX/2022 til date, All certified mail ( Attached ) trying to understand why these companies are reporting information about me without my consent. My Privacy hasn't only been imfringed but these companies have violated a number of ferderal laws. I have explained to these Agencies that under federal law without my consent this is Identity theft under 15 USC 1681 ( Q ) ( 3 ) .Due to these Unfair practices of these companies my consumer report is no longer Equitable to me because none of these companies followed the reasonable procedures put forth by federal law under 15 USC 1681 ( B ). Which has impaired me from extending credit because my rights of consent and privacy were taken advantage of. 
Congress made it clear as day in 15 USC 1681a ( D ) ( 2 ) ( A ) ( i ) that consumer report does not contain information solely as to transactions or experiences between the consumer and the person making the report but yet they furnish this negative inaccurate information without my written consent. I demand all accounts in distupe to be removed from my consumer report or negivate item removed from payment history other wise i have no choice but to file litigation for actual damages caused and XXXX, Equifax, and XXXX, and/or XXXX XXXX will be held criminally liable for.Not to mention your willful noncompliance under 15 USC1681n ( a ) ( 1 ) ( A ) after being put on notice.UPon the receipt of the documents and of this notice, you are hereby notified Pursuant UCC XXXX Your prompt attention and response are both required.

Company response to consumer: Closed with explanation