BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-20
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
This is not suppose to be on my credit report. 


Ive hired several agencies and this shall be removed. 


XXXX XXXX -- - XXXX XX/XX/2019 Seems like this occurred pre covid.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
In accordance with the Fair Credit Reporting act XXXX XXXX Card # XXXX, XXXX  Credit Card # 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.

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: EQUIFAX, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting ActXX/XX/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 an account without my written instructions. 


15 U.S, C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-20
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: Information belongs to someone else

Complaint:
This is not suppose to be on my credit report. 


Ive hired several agencies and this shall be removed. 


XXXX XXXX -- - XXXX XX/XX/2019 Seems like this occurred pre covid.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act XX/XX/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 an account without my written instructions. 


15 U.S, C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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: OK
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 RECEIVED MY CONSUMER REPORT AND FOUND IT FULL OF INACCURACIES DELETE FROM MY CONSUMER REPORT IMMEDIATELY, INACCURACIES LISTED BELOW. 

XXXX BALANCE XXXX XXXX STATUS CLOSED, ACCT # XXXX, LAST PAYMENT ( XX/XX/XXXX ) OPEN DATE ( XX/XX/XXXX ) CLOSED DATE ( XX/XX/XXXX ) LAST REPORTED ( XX/XX/XXXX ) ( XXXX ). 


XXXX XXXX XXXX BALANCE XXXX XXXX STATUS CLOSED, ACCT # XXXX, LAST PAYMENT ( XX/XX/XXXX ) OPEN DATE IS ( INACCURATE WITH XXXX ( XX/XX/XXXX ) LAST REPORTED ( XX/XX/XXXX ) ( EXPERIAN ). 


XXXX XXXX BALANCE XXXX XXXX STATUS CLOSED, ACCT # XXXX, LAST PAYMENT IS ( INACCURATE WITH XXXX AND EXPERIAN ( XX/XX/XXXX ) OPEN DATE ( INACCURATE WITH XXXX ( XX/XX/XXXX ) LAST REPORTED DATE IS ( INACCURATE WITH XXXX AND EXPERIAN ( 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 2023-09-16
Company: Chime Financial Inc
State: WV
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
I use a Chime card for my direct deposit of my pay. I was waiting on a new card to come in the mail and had a virtual card on my app to use. Which this was the XXXX time I had to get a new card from them because of my card being compromised. While i was waiting on the XXXX new card someone used the virtual card in XXXX Florida and spent XXXX at XXXX XXXX grocery store.I live in West Virginia and I called and reported it.They said they would investigate it. Then later that day I received a call from XXXX that came up on my phone as Chime Financial and I answered it. The man on the phone said he was from Chimes dispute department. I talked to him for an hour and he had me typing in codes he said was going to protect my account. I then realized he was a scammer and I got off the phone with him. I called Chime myself and told them this and in the end I was still denied my money back. I called and had them reopen my dispute and before XXXX hours had passed they already denied it again. Ive called many times to try to resolve this and ever time Im asked to provide them with documentation to help my case. Ive told them I dont have any information on who hacked my account from Florida and that Ive never even been there but still no help from them. I dont understand how it can be denied when it happened so far away from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-16
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
All three bureaus have different dates of last activity, last payment and THE PAYMENT HISTORY.Please terminate this account since the following information is erroneous and incomplete.High balance, balance, months reviewed, XXXX XX/XX/90 days late, date of last payment and inconsistent payment history across bureaus. Why do you have different information from the same creditor? 


Please refer to the screenshots below. I have highlighted all the inaccuracies in my consumer report.

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 2022-11-28
Company: Navient Solutions, LLC.
State: MO
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
We have noticed that the interest rate for the private loans keep increasing. I called Navient on XX/XX/2022 to obtain information as far as how high the interest rate will go. I was informed it could continue to go up as long as the government approves. 

Let me give some background information. I recall going to the financial aid office at XXXX University to question the interest rate since it was a much higher rate than other loans we had obtained. They informed us to look at the annual percentage rate on the truth in lending disclosure. 

In reviewing this information on our documentation, there is no indication as far as how high the interest could go which is what lead to my call to Navient. 

When I called on XXXX, the CSR informed me that my promissory note would indicate the variable rate and she would mail me a copy. 

I received the copy but there is no indication on any document that we could find that indicates how high an interest rate can go. 

The current rate now is 14.625 % and that is unreasonable. This documentation should indicate the least amount of interest we could be charged, as well as the highest amount of interest we could be charged. We have been doing everything we can to pay off one loan at a time, and since making large extra payments, the interest has done nothing but increase, and now its up 4 % points. This is extremely unfair, unreasonable and predatory. Students taking out loans should get information on their truth in lending statements of what the exact interest rate can be. The would variable is very misleading and doesn't really provide what the interest could be.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-20
Company: FIFTH THIRD FINANCIAL CORPORATION
State: MN
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX, I received notice that my mortgage had once again been transferred to a new mortgage servicer : Fifth Third Bank ( the Bank ) Mortgage Loan Servicing XXXX XXXX XXXX XXXX, OH XXXX On XX/XX/XXXX, I received a letter stating my pin for a " XXXX XXXX XXXX XXXX had been changed. I contacted the Bank at XXXX and proceeded to wait 20 minutes before I was able to speak with someone. After I spoke with one agent, she stated not to worry, that the bank was a " card based, '' bank, whatever that means, and that I had to have a card with the Bank in order to do business with them. This conduct is eerily similar to XXXX XXXX opening accounts without permission. ( See link ) XXXX XXXX XXXX # : ~ : XXXX % XXXX  % XXXX % XXXX, XXXX % XXXX % XXXX % XXXX % XXXX % 20 % 243 % XXXX % XXXX % XXXX % XXXX, of % XXXX % XXXX % XXXX % XXXX I did not open a " XXXX XXXX. '' When I asked to close the account, I was told that I could not. I asked for a statement from the company negating their XX/XX/XXXX letter telling me to call in if I did not request a pin. I was told that the company can not provide a written letter. The company has committed fraud in two ways : first, opening a " XXXX XXXX, '' without my permission. 

Second, claiming a " XXXX XXXX, '' is the same thing as a " Virtual Card. '' My correspondence discussed a " XXXX XXXX, '' and made no reference to a virtual card. This letter has caused me severe emotional distress because I was not allowed to cancel this card despite requesting more than once.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-25
Company: EQUIFAX, INC.
State: OK
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 RECEIVED MY CONSUMER REPORT AND FOUND IT FULL OF INACCURACIES DELETE FROM MY CONSUMER REPORT IMMEDIATELY, INACCURACIES LISTED BELOW. 

XX/XX/XXXXBALANCE XXXX XXXX STATUS CLOSED, ACCT # XXXX, LAST PAYMENT ( XX/XX/XXXX ) OPEN DATE ( XX/XX/XXXX ) CLOSED DATE ( XX/XX/XXXX ) LAST REPORTED ( XX/XX/XXXX ) ( XXXX ). 


XXXX XXXX XXXX BALANCE XXXX XXXX STATUS CLOSED, ACCT # XXXX, LAST PAYMENT ( XX/XX/XXXX ) OPEN DATE IS ( INACCURATE WITH XXXX ( XX/XX/XXXX ) LAST REPORTED ( XX/XX/XXXX ) ( XXXX ). 


XXXX XXXX BALANCE XXXX XXXX STATUS CLOSED, ACCT # XXXX, LAST PAYMENT IS ( INACCURATE WITH XXXX AND XXXX ( XX/XX/XXXX ) OPEN DATE ( INACCURATE WITH XXXX ( XX/XX/XXXX ) LAST REPORTED DATE IS ( INACCURATE WITH XXXX AND XXXX ( XX/XX/XXXX ) ( EQUIFAX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-25
Company: Block, Inc.
State: SC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
I noticed several unauthorized transactions made on my cashapp account onXXXX XX/XX/XXXX. I contacted cashapp about this situation on XX/XX/XXXX as soon as I noticed unauthorized transactions were made on my account. I never used my card with the merchants where the unauthorized transactions were made. I reported the unauthorized transactions as soon as I noticed them. XXXX {$160.00} XX/XX/XXXX at XXXX XXXX- {$290.00} XX/XX/XXXX at XXXX XXXX- {$160.00} XX/XX/XXXX XXXX XXXX XXXX- {$170.00} XX/XX/XXXX at XXXX XXXX XXXX {$110.00} XX/XX/XXXX at XXXX XXXX- {$7.00} XX/XX/XXXX at XXXX XXXX- {$7.00} XX/XX/XXXX at XXXX Unauthorized charges were made on my account, I never used my card with any of these merchants to authorize any of the unauthorized charges that were made on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have two inquiries from unknown companies that have shown up on my credit report. One inquiry from XXXX XXXX XXXX, and the other from US SM BUS ADMIN ODA. These inquires are unknown to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-16
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Inaccurate bankruptcy information reported. Incorrect court name and case number. See attached documents.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-16
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting 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:
The following inquiries are fraudulent on my report : 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 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 2022-06-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XXXX XXXX, U S DEPT OF EDXXXX 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 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 2022-06-06
Company: EQUIFAX, INC.
State: OR
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:
Just like what happend with XXXX ( complaint XXXX ), when I checked my Equifax account on XX/XX/XXXX, I found that someone - the same person that perpetrated the fraud at XXXX - had used the same technique to get access to my credit report account at Equifax. All they had to do was register for a new account and then used my basic information, and it ripped my account from me and handed the account over to the fraudster without having to use my password. 

This type of unauthorized use of a person 's credit account is quite easy through both XXXX and Equifax 's website and the onus is on the person being impacted by the illegal activity to keep track of their account and NOT have XXXXEquifax hand it over to a fraudster. 

The attachment shows XXXX- which is NOT my email address. And the agent was able to tell me the person 's phone number, ( XXXX ) XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Transunion LLC ( address XXXX XXXX XXXX XXXX XXXX XXXX 
phone no. XXXX. ) ( Transunion consumer relations : XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) is reporting a XXXX XXXX XXXX on my consumer report. report no. XXXX XX/XX/XXXX ( disputed again on XXXX ) file no. XXXX ( XX/XX/XXXX ) Transunion Re-investigation Info : This item was updated from our processing of your dispute in XX/XX/XXXX. Estimated month and year that this item will be removed : XX/XX/XXXX Public Records : Information gathered from courts or other government agencies about legal matters associated with you. The most common Public Records are bankruptcies, tax liens, and monetary judgments. Hard Inquiries Contact Info Address Last call to Transunion LLC took place on XX/XX/XXXX approximately XXXX ( lasted for 1 hour 47 secs. majority of time was spent on hold. very frustrating.XXXX was rude and not understanding and very nonchalant about something very serious to me the consumer. bad customer service. ) According to Trans union rep XXXX on a recorded line as mentioned on the call.can be heard clearly saying they acquired the information from the courts which is middle tennessee. 
That is a bold faced lie. This is very annoying to hear because i called the court personally and asked them why they were reporting an in accuracy such as this and they replied they do not report to any credit reporting agency especially Tansunion LLC, XXXX, XXXX and XXXX. This is a direct conflict of information/not Factual/misinformation/deceptive, and the Court has now sent me proof of what was discussed on the phone call. which is " the middle tennessee court does not report consumer information to any reporting agency which includes Transunion LLC., XXXX XXXX XXXX and XXXX stating that they do NOT provide Any information to credit reporting agencies. The Court states they are not Responsible for the reporting of this information on my report, nor do they ever validate and/or confirm public records. Transunion states the source as XXXX XXXX XXXX XXXX. ( incorrect ). Next they state they obtained information from XXXX. Document from court does not confirm this as TRUTH of FACT either.

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: 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:
On XX/XX/XXXX I disputed an unknown medical debt with Transunion. They claim to have verified its accuracy with a letter to me on XX/XX/XXXX. Both of these communications are attached. 

I requested validation of this same medical debt with the collection agency on XX/XX/XXXX, and received no response. Even after filing a complaint with the CFPB ( complaint # XXXX ), this collection agency says they " need more time '' to provide any proof of this debt. 

So how is it possible Transunion- on XX/XX/XXXX - could legitimately verify a debt that even the agency reporting that debt can't verify??

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 2022-06-25
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act XXXX 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 an account without my written instructions.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-01
Company: Block, Inc.
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
CASHAPP Called cashapp customer service on XX/XX/XXXX  at XXXX to recieve additional help from customer service representative and they concluded that they could not provide access due to security reasons and yet I provided everything they requested such as the email I used and confirmation codes being sent to both the phone number and email I had on file. Just want to have access again to get my money back because it was my hard earned income. I don't understand why when I can provide additional documentations such as Driver License and still have access to ID.me so verifying is not a problem.

Company response to consumer: Closed with explanation