BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-30
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:
The Credit Bureaus stated that my XXXX account was properly investigated, but how is that possible if the Account number is inaccurate, the Account Rating is inaccurate, the Payment Status is inaccurate, the High Balance is inaccurate, the Last verified date is inaccurate, Date Reported is inaccurate, the Date Opened is inaccurate, the Closed Date is inaccurate, the Creditor Type is inaccurate, the Creditor Remarks are inaccurate, the Last Payment Date is inaccurate, the Credit Limit is inaccurate, and the Date of Last activity is not accurate, each of these are a SEPARATE VIOLATION. They also unlawfully reported my payment history in these months and years XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX each of these dates are a SEPARATE VIOLATION. Because of the multiple inaccuracies on my credit profile which have negatively impacted my credit I have been unable to find housing and transportation for myself and my child! This is grounds for removal. They also violated my rights under 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 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 2023-08-28
Company: Self Financial Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Account was set up on automatic payments monthly and was disconnected by company without my knowledge and later reported as late to all 3 credit bureaus for that month. I reached out to a rep and explained the situation, he understood but could do nothing about it and told me to take it up with the bureaus. In the screenshot you will see the manual payment that took place and me having to reset my account back to automatic

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-16
Company: EQUIFAX, 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:
I disputed the ownership of an account with XXXX XX/XX/2023. They said it was verified as accurate but when I asked for the original paper work to prove it. They have provided me with nothing. I have also disputed the account in the past 2 other times and still no paperwork.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-05
Company: Experian Information Solutions Inc.
State: CA
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 with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

1 ) XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX, account # XXXX. 
2 ) XXXX XXXX, closed XX/XX/XXXX, account # XXXX 3 ) XXXX XXXX, XX/XX/XXXX, account # XXXX 4 ) XXXX  XXXX XXXX, XX/XX/XXXX, account # XXXX 5 ) XXXX, XX/XX/XXXX, account # XXXX XXXX ) XXXX  XXXX, XX/XX/XXXX, account # XXXX 7 ) XXXX  XXXX, XX/XX/XXXX, account # XXXX 8 ) XXXX  XXXX, account # XXXX 9 ) XXXX, account # XXXX 10 ) XXXX XXXX XXXXXXXX, closed XX/XX/XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the rights 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 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 2023-08-28
Company: 60 Month Loans, Inc.
State: CT
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
Kept on a line with false and misleading information only to be denied. Their website indicates acceptance or denial can be found immediately. Yet, I was told I was approved, just satisfy a few steps. There never was a loan, especially for people of color.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-30
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:
The Credit Bureaus stated that my XXXX account was properly investigated, but how is that possible if the Account number is inaccurate, the Account Rating is inaccurate, the Payment Status is inaccurate, the High Balance is inaccurate, the Last verified date is inaccurate, Date Reported is inaccurate, the Date Opened is inaccurate, the Closed Date is inaccurate, the Creditor Type is inaccurate, the Creditor Remarks are inaccurate, the Last Payment Date is inaccurate, the Credit Limit is inaccurate, and the Date of Last activity is not accurate, each of these are a SEPARATE VIOLATION. They also unlawfully reported my payment history in these months and years XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX each of these dates are a SEPARATE VIOLATION. Because of the multiple inaccuracies on my credit profile which have negatively impacted my credit I have been unable to find housing and transportation for myself and my child! This is grounds for removal. They also violated my rights under 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 2023-05-19
Company: Paypal Holdings, Inc
State: IL
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 cash advances

Complaint:
Venmo is submitting improper cash advance requests to XXXX, resulting in cardholders being charged interest. 

In XX/XX/XXXX I noticed that interest had been accruing on my credit card, despite me paying off the balance every month. When I called XXXX, they informed me that the interest payments were related to {$60.00} sent to my sister via Venmo in XX/XX/XXXX. The representative indicated to me that the {$60.00} had been processed as a cash advance and therefore accrued interest immediately and on a daily basis. I then told the representative that while the underlying transaction was legitimate, I had not authorized Venmo to process it as a cash advance and that I would like to dispute it. The representative informed me that the only way to dispute the transaction was to dispute the entire XXXX amount. Venmo immediately deducted {$61.00} from my sisters account despite the dispute having nothing to do with her. I sent dozens of emails to Venmo and did not receive any substantive response or have the deduction reversed. 

On XX/XX/XXXX I was issued a complaint response form stating that XXXX had upheld the transaction because the services were provided - a fact that was never in dispute. In addition, Venmo claimed I was in violation of the User Agreement because I was paying for goods and services instead of sending funds to a family member. 

I then called XXXX cardmember services and was able to get ahold of someone who could process my dispute correctly, resulting in a credit being issued by XXXX. To my knowledge, Venmo has not yet restored the funds to my sisters account.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-12
Company: Atlas Credit Company, Inc.
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
I have received numerous amounts of calls DAILY since  XXXX / XXXX /   17  at both my place of employment and personal cell. I stated to the employees (  XXXX  and  XXXX  ) and a gentleman, that I would pay it on Friday  XXXX / XXXX / 2017 , but unfortunately not able too. I called left messages that I would pay it when I could as I was always working late and they were closed and were n't open on weekends also, being in and out of the hospital. Today  XXXX / XXXX / 17 , the gentleman stated very rudely that he was calling me to collect his money and I stated to him that I was going to complain about them due to them harassing me at work and he stated they do that to everyone and I informed him that was stated in the contract that I signed and by state law that they can not harrass people at their place of employment. He proceeds to tell me that he wanted to know the name of the law firm i was dealing with and that they were gon na send someone today to my job, and i stated to him if they did they would get arrested, The entire time  XXXX , is in the background being very unprofessional and cursing and stating that noone was going to get arrested and just downright rude. I plan to pay them but when I have the funds to pay them, but I 'd rather pay another store then this store and they are very rude and need to be put out of business.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-16
Company: JPMORGAN CHASE & CO.
State: CA
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/XXXX, I purchased a hotel reservation on Chase banks travel website, ( Chase Travel ) for the XXXX hotel in XXXX XXXX for 7 nights. On XX/XX/XXXX, I realized that I did not need 7 nights ( due to the time change when traveling to XXXX ) and contacted Chase to modify the reservation to 6 nights. After 90 minutes on the phone, the representative, contacted the property and assured me that the hotel would refund me upon my arrival. Upon my arrival this past week, the front desk staff at the XXXX seemed perplexed at my request for the difference in cash or back to my card. Today, XX/XX/XXXX, I reached back out to Chase travel. I spoke with XXXX, who claimed she was not required by chase to give an employee number or a city location. XXXX also claimed that Chase policy does not require her to give anymore information then just " XXXX from Chase ''. XXXX informed me that she did show a note on the account regarding the conversation I had with chase on XX/XX/XXXX, and confirmed the information I stated above. XXXX offered no resolution other than " we need to look into it ''. 

Chase has record of my conversation, record of the promise made by a Chase employee confirming I would receive a credit for the one less night stayed. They have failed to compensate me after spending more than 3 hours on the phone with them.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-11-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
Transunion has failed to remove a XXXX  XXXX bank card that does not belong to me, i have disputed that account as fraud several times as not mine and Transunion continues to violate FCRA laws that requires a Credit reporting agency to investigate and validate the accuracy of a disputed account and remove the account from ones credit file until the investigation is complete, this XXXX  XXXX bank card was removed from my XXXX credit file on XX/XX/2018 and it was removed from XXXX because it could not be verified or validated. 

Transunion continues to violate FCRA and is using an automatic system and not a physical person to check documents pertaining to disputes, Transunions has continued to us an automatic system that has allowed a fraud account to stay on my credit file. 

XXXX and XXXX has already removed XXXX XXXX bank account from my credit file, because it couldn't be validated, This means either Transunion is either using an automatic system or knowing leaving a fraudulent account on my credit file. I have the confirmation # and day that both XXXX  and XXXX removed XXXX XXXX back.

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 2023-04-30
Company: Resurgent Capital Services L.P.
State: TN
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
LVNV FUNDING LLC, at address XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX has been sending me collection notices in the amount of {$650.00}. The collection has been reported as past due balance. I do not know this company. I have never done any business with this company. This company does not have a contract with my signature. XXXX states that I, the consumer, verified documentation from them. I have not verified any information from XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-19
Company: JPMORGAN CHASE & CO.
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I deposited a check sent by a client for XXXX XXXX The check was a deposit XXXX XXXX XXXX XXXX XXXX for the XXXX of XX/XX/2023. The check was of XXXX $ and after I deposited the check the bank put a hold on my account.I call chase and they decide to cancel my my business account with them. They said that the check was fraud. That the check was also deposited already prior to the date I deposited it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-07
Company: National Collection Systems, Inc.
State: AZ
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:
15 USC 1681 ( b ) i never gave authorization or approval from this companyto report anything on my consumerreport. 15 usXXXX 1692g me being the only originalcreditor i am the only one that can validate a debt and i have asked for all of the documents multiple times and they are unable to provide because within any document they send i will continue pointing out violations. I would according to 15 usc 1692kExcept as otherwise provided by this section, anydebtcollector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum ofinthe case of any action by an individual, such additional damages as the court may allow, but not exceeding {$1000.00} i want my money back as i was unaware of the fraud activity being taken place at the time but i am now aware that i am the only orginalcreditor and you guys have been credited. This is violating my privacy and i demand this be taken immediate action according to 15 usc 1681 ( a ) Its my right to privacy. In truth in lending it clearly states what should be exluded fromaconsumer report and it says any credit card. Look up thedefinition of a credit card that congress put in place.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-28
Company: Ocwen Financial Corporation
State: TN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Paying off the loan

Complaint:
PHH Mortgage has held our funds transferred from our bank account for more than 2 weeks now in a " suspense account '' and has not used them to pay off the mortgage as intended. We have called on multiple occasions and we receive different answers each time. The last few times we have been promised that the funds would be applied to our mortage the next day, but this has not occurred.

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 2023-08-28
Company: Experian Information Solutions Inc.
State: ME
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:
trying to remove hard inquiries that were not mine, i did not authorize and credit pulls in the past 12 months

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 2020-03-23
Company: Clear Start Today
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Debt settlement
Issue: Fraud or scam

Complaint:
I faxed personal information regarding a loan forgiveness consolidation program on XX/XX/2020. They also charged me a fee to consolidate my student loans of XXXX and they asked for my account information that way they could directly take the money out of my account each month. I have been in contact with them over the last several weeks asking if they ever received my faxed paperwork with my personal information for doing the loan forgiveness program. they told me they never received it and the fax number that i sent it to was actually the department of education. The number that i faxed it to was on the paperwork that the company had provided to me. I even spoke with a supervisor to ask what would be done about them getting my paperwork and information. The supervisor told me that they would contact the department of education and ask them for the paperwork. That was over 2 weeks ago and no one has called me back to update me. I called them today and received the same answer that they were going to contact the department of education and get my paperwork from them. They said due to the coronavirus it might take sometime but i had processed my paperwork long before the spread of this virus. Also i always get the same answer that someone will contact me back and update me on the status of what's going on with my paperwork but no one is doing that. I have to call them only to find out that nothing is still being done on my account. The name of the company is clear start. They informed me that they are a third party company that helps students consolidate their student debt and can enroll them in a loan forgiveness program. You just have to pay them an upfront fee of XXXX for six months. They also said that they would contact my federal loan company directly to inform them that they have taken over my student loans.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-05-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I learned that TransUnion Credit Bureau experienced a database glitch on  2 diffe rent occasions, summer of  XXXX  and early  XXXX . On both occasions Transunion deleted ALL inquires from  EVERYONES  credit bureau. Once TransUnion realized there was a glitch, they re-added the inquires back to the credit reports. I was never notified that TransUnion would be adding the inquires back on my report. It is illegal for them for any other credit bureau to remove reportin g s from you r bureau and then re-add them with out notifying the consumer 5 days prior to re-adding them. I called TransUnion on  XXXX / XXXX / XXXX  a t    XXXX   XXXX   and spoke to  XXXX   XXXX . I stated what my issue was and that I was demanding that the inquires be removed. Af ter 5 min utes of discussing the matter with  XXXX   XXXX , I asked for her supervisor.  XXXX  than transferred the call to  XXXX  who stated she was a supervisor. I explained to her what my issue was.  XXXX  when on to tell me that my social security number was not affected. I advised her that EVERYBODY was affected by this glitch. She recommended that I write a letter to the creditor and asking them to remove the credit inquires and send in with a letter of authorization. Shortly after that call I decided t call back because I was not happy with the answer. I called back  at    XXXX   XXXX    and s poke to a gentleman name  XXXX   XXXX . I explained to him the issue and he went on to tell me yes there was a database glitch but after looking in his system I was not affected. I asked him how can he prove it to me that I was n't affected. He stated that he would send me a credit report. I advised him that I had a credit report. The issue is that TransUnion did not following protocol by notifying me that the inquires were being re-added and if I was no t one of the mill ions of consumers that was affected then prove it to me. He went on to say he ca n't he can only tell me what 's in the system and that the glitch has been corrected. I advised him that I know the database glitch was corrected and things are running as they should be now. We disconnected the call.     I would like to have these inquires removed from my credit bureau. As it was against the law to re-add anything to my bureau without notifying me in writing 5 days prior to.

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