BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-25
Company: Experian Information Solutions 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:
Please be advised this is my SECOND WRITTEN REQUEST that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under 15 USC 1681n and 15 USC 1681o regarding your continued willful and negligent noncompliance. 

Despite my previous written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. 

In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me with a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under 15 USC 1681g ( a ) ( 1 ) & 15 USC 1681i ( a ) ( 1 ) ( A ).

Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified. 

XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$2600.00}, XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$1400.00}, XXXX XXXX Date opened XX/XX/XXXX Balance {$6000.00}, XXXX XXXX Date opened XX/XX/XXXX Balance {$3400.00}, XXXX XXXX Date opened XX/XX/XXXX Balance {$3400.00}, XXXX XXXX Date opened XX/XX/XXXX Balance {$9500.00}, XXXX XXXX Date opened XX/XX/XXXX Balance {$9000.00}, XXXX XXXX Date opened XXXX XXXX, XXXX Balance {$3100.00}, and XXXX XXXX Date opened XX/XX/XXXX Balance {$410.00}.

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 explanation
Consumer complaint received 2022-08-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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 information incorrect

Complaint:
In accordance with the Cares Act and the Heroes Act, XXXX XXXX XXXX ( Account # XXXX ) has violated my rights, XXXX XXXX XXXX  reported 3 late payments on my Consumer Report ( XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ). The reporting of the late payments are damaging and hurting me from purchasing a home for my family. 

Due to the current in place COVID-19 National Emergency, 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( F ) of the Cares/Heroes Act, requires creditors to report any account that had a payment accommodation applied to it during the Covered Period as " current '' to the consumer reporting agencies. At the time, I was on an accommodation hardship program with XXXX  XXXX XXXX  starting XXXX of XXXX until XX/XX/XXXX. 

The CARES Act protections require creditors to follow these guidelines for all agreements made between XX/XX/XXXX through 120 days from the date the COVID-19 National Emergency is declared over. The National Emergency has not been declared over as of this date.

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 2022-07-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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 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. 

The following Accounts : Loan Account Holder : XXXXXXXX XXXX XXXXXXXX XXXX XXXX account number : XXXX Payment amount : {$590.00}

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 2022-07-25
Company: EQUIFAX, INC.
State: NV
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 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. 

The following Accounts : Loan Account Holder : XXXXXXXX XXXX XXXX XXXX XXXXXXXX account number : XXXX Payment amount : {$590.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-25
Company: Experian Information Solutions Inc.
State: MO
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:
INVESTIGATE CONSUMER REPORT ( Request ) Please investigate if every piece of correct. If not, please remove these accounts listed below from my credit report. 

In accordance with the Fair Credit Reporting Act XXXX  these accounts below Account Name : XXXX XXXX  Account # XXXX Account Name : XXXX  Account # XXXX Account Name : XXXX XXXX XXXX  Account # XXXX Account Name : XXXX XXXX Account # XXXX Account Name : XXXX XXXX XXXX Account # XXXX Account Name : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX A ) Account # XXXX Account Name : 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 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 2022-07-25
Company: Chime Financial Inc
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
On XXXX a thief opened an online checking account using my personal information at a company called CHIME bank name is The XXXX Bank. THIS ACCOUNT WAS OPENED WITHOUT VERIFICATION OF IDENTIY. 
I emailed/called Chime to close down the account and I spoke with an employee named XXXX. I explained to her that I was victim of identity theft, and I did not authorize this account to be opened. I was told it would be shut down that day and I would get an email that day with her full name and confirmation. I did not receive anything from her, and I have great concern because she was given my SS # to verify my identity. Since that date I have requested that the detective handling my identity theft case to be sent important information immediately. I emailed Chime and sent them my police report, FTC report, proof of identity. I spoke with XXXX ( I was given a claim number ) at Chime on XXXX and requested that he expedite getting the information to the detective, he was provided with all important documentation. I have growing concern with this company there seems to something suspicious in the handling of my identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-24
Company: FIRST NATIONAL BANK OF OMAHA
State: MN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
I received a charge on my credit card bill for {$69.00} dated XX/XX/19 stating that it was for an annual fee. On XX/XX/19 @ XXXX XXXX  I called the number on my credit card XXXX. The call lasted 10 minutes and 42 seconds. I inquired about the annual fee and the rep that I spoke with said that I must pay the fee. I informed the rep that I wanted the card cancelled immediately ; that I was not willing to pay {$69.00} for a credit card. I was told, regardless, I must pay the {$69.00} fee as I had already used the credit card. I again said to cancel the card and wanted to speak with a supervisor. 

A supervisor got on the line and told me that I must pay the annual fee as I had used the card. I was told that there was no way to waive this fee. I explained to the supervisor my frustrations and again said to cancel the card and I would be done with First BankCard. 

First BankCard refuses to cancel this card ; there reason is that when I called to cancel, the rep was not able to read me a full disclosure because I had asked to speak with a supervisor, therefore, they can not and/or willnot cancel this card. 

They are allowing charges to be made on this card, after I spoke with 2 individuals and told both individuals to cancel the card immediately. 

This credit card should have been cancelled on XX/XX/2019 at roughly XXXX XXXX, that date that I called and requested that it be cancelled immediately. 

There is no reason that this company should refuse to cancel the card and give some lame excuse that it is because they were not able to read me a disclosure. At that point, I did not care about any type of disclosure. I wanted the card cancelled immediately and did not want to be held responsible for another {$69.00} annual fee. 

This card should be cancelled effective on the date that I called and told them to cancel it.

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 2022-07-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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 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. 

The following Accounts : Loan Account Holder : XXXX XXXX XXXX XXXX Monthly Payment : {$670.00} Loan Account number : 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 2017-10-13
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: WV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have been late on making my loan ( truck ) payments. I pay the loan bi-monthly. I have been paying 1/2 of the monthly payment for several months. I am aware that I was late but I was told by a representative of USAA that as long as I made a partial payment I would not be reported to the credit agencies. However, I was reported as of XX/XX/XXXX. I contacted USAA to review and confirm what I was told. They would not agree that I was told by their agent that as long as I made partial payment I would not be reported because they can only go back any review calls for 30 days. I know it has been longer than 30 days. This is completely unfair. It is my word against theirs and of course, they are not going to admit what I was told by their agent. 

I completely accepted responsibility for being late but since I was told that as long as I made a partial payment I would not be reported to the credit bureaus but I can not prove what I was told and they refuse to remove from my credit file. In 29 years of being a member of USAA, we have never been 30 days late on any account ( we have several XXXX. Please review and see if this can be removed from our credit file. 

XXXX and XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-25
Company: U.S. BANCORP
State: IA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
On XX/XX/2022 we were trying to sell our XXXX XXXX on the XXXX XXXX and we were asked by an individual whose profile name was XXXX XXXX. He wanted to purchase from us using XXXX. He got our XXXX information which is through US bank, and sent us a confirmation that he sent us our {$600.00} for our XXXX XXXX. We then received an email from XXXX that this supposed XXXX used to make it look like we needed to send him {$400.00} to upgrade to a business account so we could get out {$600.00}. The email came from XXXX or so we thought. The only reason we sent {$400.00} was because the email looked legit from XXXX who we use with out US Bank account. US bank didnt even contact to discuss what happened or look at the emails and proof we have. Had we known the XXXX emails were fake we wouldnt have sent {$400.00}. We have the messaged chat and emails for proof. We just want our {$400.00} back. Please help!

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 2022-07-25
Company: EQUIFAX, INC.
State: MO
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:
INVESTIGATE CONSUMER REPORT ( Request ) Please investigate if every piece of correct. If not, please remove these accounts listed below from my credit report. 

In accordance with the Fair Credit Reporting Act Convergent these accounts below Account Name : XXXX XXXX  Account # XXXX Account Name : XXXX  Account # XXXX Account Name : XXXXXXXX XXXX XXXX Account # XXXX Account Name : XXXX XXXX  Account # XXXX Account Name : XXXX XXXX XXXX Account # XXXX Account Name : XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX ) Account # XXXX Account Name : 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 2021-12-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I filed with TransUnion to delete 2 accounts on my credit. These accounts are not mine and I also asked for proof of these accounts. TransUnion sent me a letter on XX/XX/2021 saying both account were mine, but never gave me any proof of any account. 

The first account name is from XXXX XXXX XXXX - Account number is XXXX in the amount of {$400.00}. 

The second account name is XXXX XXXX - Account number is XXXX in the account of {$2200.00}.

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 2020-09-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT
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:
XXXX XXXX # XXXX & XXXX is reporting a late on my credit report for XX/XX/XXXX XX/XX/XXXX -XX/XX/XXXX- I was not late. Due to unforeseen circumstances surrounding the pandemic of COVID19 &  being Quarantined since XX/XX/XXXX and I have been severely impacted.. I tried to call in several times and the hold times are hours. I thought my payment went through and I have had an account with you since XX/XX/XXXX.. I have never been late. This was not my error. Can you please remove this late payment? You also closed my account after all this time for one late payment? It is very disappointing that you guys would do this.

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 2022-10-08
Company: EQUIFAX, INC.
State: MS
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 decided to check my credit report one day, because I could get any credit from an organization. I was immediately livid to know that someone pulled my credit over 20 times and I havent authorized it, this has absolutely ruined my credit. I have contacted the FTC and have fraud alert placed upon my credit report. Im a victim of Identity theft. This is stressful not being able to get any credit. I havent given any verbal or any written permission for credit inquires to be placed on my credit by the following companies. Some companies have pulled more than once, this is ridiculous. 

XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-25
Company: DISCOVER BANK
State: IA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with balance transfer

Complaint:
I had a XXXX XXXX XXXX XXXX I had a balance on it and did a balance transfer to My Discover Card Credit Card , Discover sent an electronic payment to XXXX XXXX XXXX XX/XX/2022 for {$1900.00}, XXXX XXXX said they cant find it, i called them and was told i could not go a balance transfer and would send the money back to Discover, they did not, i assumed it had been sent back to discover, So XXXX did another balance transfer and sent me {$2000.00} to pay off XXXX XXXX XXXX, by the time i did this amount had gone up. So i received the money from discover and paid off XXXX XXXX XXXX, paid a small amount more and paid off XXXX, Discover is now charging me for both balance transfers, one for {$1900.00} and one for {$2000.00}, the later one of {$2000.00} is correct, the {$1900.00} Discover sent is still unaccounted for, Discover said they electronically sent it and have confirmation and XXXX says they cant find it, I have reached out to both companies and Discover said XXXX refuses to talk yo them because they are a third party, Discover says i owe it and my responsibility to get the money back from XXXX, I would think Discover would have a legal department that could make XXXX give the {$19000.00} back to them, and XXXX told me they cant find it, so please mediate between these two companies, i am currently paying the {$1900.00} to Discover, this is not fair to me, and both companies will not get together and works this out. Thanks XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-22
Company: BARCLAYS BANK DELAWARE
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
on  XX/XX/XXXX , I received a letter from  Barclaycard  regarding my  XXXX  visa card account ending in  XXXX . I was told that my credit card account will be closed at the end of this month when the card expires. The reasons were : amount owed on bankcads too high and balance on this particular account too high.   I do not argue these facts. But, here are my concerns ; when the credit card is closed by issuer, it is reported in my CB as closed by merchant. This will actually harm my credit. I have maintained this card very diligently. I always pay on time, and my payments are more than the minimum. I have never gone over the limit and never bounced a payment. The issuer issued me both my Barclay credit cards even though I had declared BK in  XX/XX/XXXX .   When I attempted to speak to agents at  Barclay  cards they were very uncooperative and did not care how my credit will be harmed by the closure of this account.   Your help in resolving this matter will be greatly appreciated

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 2022-07-25
Company: Experian Information Solutions Inc.
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: Information belongs to someone else

Complaint:
This is my several endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any inaccurate information and account in my credit record that came about due to an alleged fraud or extortion. The items are listed below : XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, TN XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, GA XXXX XXXX XXXXXXXX Balance : {$1000.00}

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 2021-12-16
Company: CREDIT ACCEPTANCE CORPORATION
State: VA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
In XXXX my car was in an accident. My insurance companies paid the total balance owed on the vehicle. 

In XXXX, I was seeking financing for a new vehicle. The former finance started reporting negative information to the credit bureau, thus impacting my 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 explanation