BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
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 am writing to express my concern about a violation of my rights under the Fair Credit Reporting Act. Specifically, XXXX # XXXX has violated my privacy rights under 15 USC 1681 section 602. As a consumer, I have the right to privacy and to control the information that is shared about me. According to 15 USC 1681 section 604 A section 2, a consumer reporting agency can not furnish my account with my written instructions. This means that I have the right to decide who has access to my credit information and how it is used.

Furthermore, 15 USC 1681a definitions ; rules of constructions - exclusion - except as provided in paragraph, the term consumer report does not include any report containing information solely as to transactions or experiences between the consumer and the person making the report. This means that any report that contains information about me must be accurate and based on actual transactions or experiences.

Finally, 15 USC 1666B states that a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purposes. This means that I have the right to make payments on time and not be penalized for doing so.

I am aware of the " Opt Out '' requirement detailed in subsection ( b ) of 15 U.S. Code 6802, and I understand the definition of " nonpublic personal information '' as provided in subsection ( e ) ( 4 ). I expect that my rights under the Fair Credit Reporting Act will be respected and that my privacy will be protected.

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 2022-12-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 3rd 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 information in my credit record that came about due to alleged fraud or extortion. 



XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$21000.00} ; XXXX XXXX XXXX Balance : {$1400.00} ; XXXX XXXX  XXXX Balance : {$530.00} ; XXXX XXXX XXXX Balance : {$1100.00} ; 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 XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXXXXXX XXXX XXXX  XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX  XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/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 2022-12-21
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
I borrowed XXXX from ace cash express my loan was due every 2 weeks since Ive been paying loan the associate XXXX has been giving me miss information on loan. He tells that I borrowed more than what I applied for then tells me Im sorry and then tells me my loan was paid off when it wasnt. I made a payment on loan XX/XX/XXXX he tells me my next payment is due on the XX/XX/XXXX which I have on receipt I called the company they did about it and realized that it was there problem and told me it was a system problem for something that wasnt my fault after I was telling them for days what happen. So now Im taking heat for something that he made error with and this is unprofessional.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-06
Company: Bridgecrest Acceptance Corporation
State: NV
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: Problem with personal statement of dispute

Complaint:
Regarding a prior open complaint, I was contacted by someone named XXXX  with Bridgecrest that states she works in the compliance department. She stated she reviewed all the calls I had regarding the extension request submitted that they denied without cause. They stated you need income to get the extension, which i have income, yet it was still denied. XXXX also lied to me several times. 

I called Bridgecrest several times over the course of the last 7 days and while my application for the loan extension was pending, I called in XX/XX/30 and spoke to a rep inquiring about the deadline to make a payment by XX/XX/XXXX or Bridgecrest would report to my bureaus that I was XXXX late. I had the money to make a payment that day but it wouldn't make sense to do that as once the extension was approved, I would be current. I asked the rep ( of course do not have her name ) about my credit reporting and that if I had to wait until monday, it would be after XX/XX/XXXX and they would mark me late. She stated verbatim " Oh you do not have to worry about that happening, you aren't even in a spot where that would happen. '' This rep ASSURED me on the call that regardless of whether my extension application was approved or denied, that Bridgecrest would NOT report me 30 days late. I accepted that and ended the call. 

XXXX lied to me several times on what i hope was a recorded call as well. Stating the rep never said it wouldn't be reported as late, which the rep did say. XXXX is lying to protect the company and I am BEGGING the CFPB to step in and get the call recordings along with the false information XXXX furnished to me and do something about this. XXXX Reviews can tell the CFPB all they need to know about the shifty business dealings of Bridgecrest and how they deceive consumers on a daily basis. 

XXXX stated on the call with me that Bridgecrest has ALREADY reported me late on my credit bureaus. I have no update while I have 3+ daily credit monitoring services. Meaning they may be intending to, but she stated they already did. Which of course is yet another lie furnished. This behavior is what led to the passage of the Dodd-Frank Act and what created the CFPB to begin with.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-27
Company: Experian Information Solutions 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:
This fraudulent account showed up on my credit report and I want this to be removed immediately.

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 2023-10-06
Company: JPMORGAN CHASE & CO.
State: CA
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:
Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or the customer service representative of the said accounts. JPMCB AUTO XXXXXXXX was reflected as a late payment 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 100 % true, accurate & correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-06
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX is reporting three fraudulent accounts to my credit report. I have included the police report and ftc report. 

The three XXXX accounts and all the inquiries need to be removed due to fraud.

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 2022-07-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
XX/XX/2022, I sent a letter to the courthouse asking do the report bankruptcies to the credit bureaus and I got a letter stating They do not report any bankruptcies to anybody. So if thats the case. How did the credit bureaus verify my bankruptcy as 100 % Accurate? They never did a fair investigation according to the 15 USC 1681. 

15 USC 1681 section 603 ( 3 ) ( E ) States ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

They also violated my rights numerous times. 

The credit bureaus violated my given rights under 15 USC 1681.

According to : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

According to : 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 According to : 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 explanation
Consumer complaint received 2023-08-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
As of XX/XX/2023 XXXX, XXXX and Transunion corporations are reporting inaccurate and unverified information on their public database without my expressed written consent. On XX/XX/2023 a dispute letter was received by each company however none of the derogatory reports have been deleted or removed. Since I have the right to have access to extension of credit, I am submitting a complaint against the above-listed companies for the harm incurred.

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 2022-11-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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 to the fair credit reporting act, the list of accounts below has violated my federally protected rights to privacy and confidentiality under 15 USC 1681 Account name : XXXX XXXX Bank XXXX Account name XXXX XXXX XXXX Account name : XXXX  Account name : XXXX XXXX XXXX Account name : 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. 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 items of information, other than records of convictions, 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 reporting agency if the person knows or has reasonable cause to believe that the information is

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 2022-12-21
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
I made an agreement with and individual to buy a XXXX XXXXXXXX XXXX XXXX XXXX We were to use a broker/shipping company to do the transaction. I sent {$13000.00} to the account given to me by the company ; XXXX XXXX, from my bank XXXX XXXX XXXX XXXX, to HSBC UK. XXXX XXXX was to arrange for shipping and when I received the car I would inspect it and then notify XXXX XXXX and HSBC that it was in acceptable condition and they could release the funds. The car was supposedly destroyed during shipping and XXXX XXXX said they would tell HSBC to refund the money to me. There were delays from them on the return of the money that they said was caused by multiple things but in the end there was no refund. I was in continuous contact with them and the seller but then after a couple of weeks there was no response. I tried to contact HSBC directly but they would not give me any information about the account and told me to have my bank contact them. I contacted my bank and they worked through XXXX XXXX ( the wire transfer company ) to get the refund back. Today, my bank said XXXX XXXX closed the case because HSBC already released the funds to the recipient ( without my permission ) and there was nothing else they could do. My bank ( XXXX  ) says there is nothing more they can do since XXXX XXXX is the transfer company. I have been trying for over XXXX months to get my funds returned. The agent at XXXX XXXX was XXXX XXXX and the seller was XXXX XXXX and the bank was HSBC UK.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-06
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: Investigation took more than 30 days

Complaint:
I have been trying to get some things off my credit report with XXXX, XXXX  and Transunion that are way over 7 years some are even 8 plus years old. I have been fighting this since XX/XX/2021 What in the XXXX why is it taking so long. I know by law they are supposed to come off at sevens year so AGAIN WHY????? 
So they just get to decide when they feel like it they can remove them and dont care about the law and people lifes. I feel they are just lazy and not doing their jobs it not the hard when I sent them a letter which details on it about the issues and why I was disputing them. 
My next action will be to obtain legal service and SUED!!!!!!!! 
This is total XXXX that I am having to waste my time with writing this complaint all because of the credit bureaus not getting things DONE.

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 2022-12-21
Company: Affirm Holdings, Inc
State: OH
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
I placed an order with XXXX XXXX in XXXX and they use Affirm as their financing company. I have been making payments on time, but there have been substantial issues with ID neglecting to meet timelines promised and continuously pushing dates of delivery back while not paying their vendors etc. This is well known on the internet and in groups I am a part of, so I ended up having the order cancelled by ID with the assurance Id get my money back in full ( over $ XXXX ). That was at the end of XXXX. Their system shows its cancelled, but Affirm is still hounding me for a payment even though I filed a dispute AND submitted documentation that the order was cancelled. I will not keep making payments on something I will never receive, especially when theres no guarantee that if I DO make new payments Ill ever see my money come back to me. This is unethical. I should not be expected to make payments when I have proof the order is cancelled and no product in hand.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-12
Company: EQUIFAX, INC.
State: TN
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 have reached out to the bureaus on XX/XX/2020 and I haven't received any type of indication/notification of the investigation being worked on. I feel like i'm being taken advantage of at this point. I notice according to the FCRA these inaccurate unverifiable items must be deleted immediately. It's been well over 30 days I just want these problems resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 applied for a car loan through XXXXXXXX XXXX and got a copy of report stating I have derogatory mark on my credit report and has been hindering me from getting a vehicle. They have violated my rights as a consumer with reports to these credit bureaus.. 

In accordance with the Fair Credit Reporting Act this creditor has violated my Rights! Under Act 15 U.S.C. 1681 section 602 says " 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 refurnish an account without mv written instructions ''. Under 15 U.S.C 1666B " A creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any

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 2022-12-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
The following 3 Company 's did not have approval, permission or authority to run my Credit. Nor do I have any credit with these Company 's. On XX/XX/XXXX and XXXX and XX/XX/XXXX and XX/XX/XXXX I contacted TransUnion Credit Bureau and requested these Inquiries be removed as these Companies did not have permission, approval or authority to access my credit report. 


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

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 2023-04-08
Company: Telsa Motors Inc
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Refund anticipation check
Issue: Lost or stolen check

Complaint:
I bought a car on XX/XX/2022, on the very same date the car price dropped by XXXX $ as I have the cashier check the dealer said once the check has been cashed they will mail me a check of XXXX $ but it's been 4 months I haven't got any money from them went to the dealer 3 times every time they will come up with a new excuse and they will make me wait in lobby for hours without any proper response. 

As I took XXXX loan I am paying interest for this XXXX $ dollars and it's been 4 months

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-21
Company: Paypal Holdings, Inc
State: NM
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Email from : # # -Confirmation XXXX Heyy Dear XXXX, You have sent {$720.00} to Paypal XXXX XXXX It may take 24 hours for this transaction to appear on your account. 

Items : {$690.00} Shipping & handling : {$21.00} Total before tax : {$710.00} Estimate Tax : {$14.00} Order Total : {$720.00} Payment Method : XXXX CREDITS. 
Order Number : XXXX Product : XXXX XXXX XXXX XXXX XXXX XXXX - ( XXXX XXXX GXXXX XXXX XXXX  XXXX ) XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX kg ) Order Date : XXXX - XXXX - XXXX Please note that a signature is required for the delivery of the package. 
If no one will be available to sign forthis package, you may wish to make alternate delivery arrangements Your order will reach you within 3-5 working days. Youwill receive a tracking link once the order is shipped.

Youcan check the status of your order by logging into your account If you have any questions about your orderplease contact us at Call Our Customer Support Care : XXXX ( XXXX ) - XXXX - XXXX for further assistanc Team Pay_Pal

Company response to consumer: Closed with explanation