BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-10-21
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:
Since XX/XX/XXXX, I have been reviewing and disputing inaccurate information on my credit reports with XXXX, XXXX and Transunion. 

To date, I XXXX is the only reporting agency that has removed the inaccurate information in accordance with the Fair Credit Reporting Act. 

I am including a copy of the following Transunion credit reports : XX/XX/XXXX ; XX/XX/XXXX and XX/XX/XXXX. 

I am including a copy of the following XXXX credit reports : XX/XX/XXXX and XX/XX/XXXX. 

I am also including a copy of my XXXX credit report, dated, XX/XX/XXXX showing that the account has been deleted ( after a thorough investigation ). 

On the credit reports, you will see that XXXX XXXX continues to report this charged off account from XX/XX/XXXX, monthly, as if it were a new late/charge off. The XX/XX/XXXX ( Transunion ) report shows that the account date closed is XX/XX/XXXX. The XX/XX/XXXX and XX/XX/XXXX show that the account date closed is XX/XX/XXXX. 

On the Transunion credit reports you will observe that the balance past due up to XX/XX/XXXX was {$6200.00} and on XX/XX/XXXX the balance past due was {$6300.00}, adding an additional {$82.00}. 

Ally continues to report this account adding and removing past due amounts sometimes as little as {$1.00} in order to re-age the account and continue to report it is if it were a new derogatory account which is, 1. Defamation 2. Violation of the Fair Debt Collection Practices Act 3. Violation of the Fair Credit Reporting Act I have also received e-mails from agencies such as XXXX XXXX, etc ... showing that the account continues to report as a new derogatory account utilizing the {$1.00} to re-age the account ( if needed, I will pay for the account history with the other agencies ). 

On Transunion File # XXXX, you will observe on XX/XX/XXXX and XX/XX/XXXX the past due amounts vary and the payment/amount paid is {$0.00}. 

This is a clear violation of the Fair Credit Reporting Act and an illegal activity by 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 2023-11-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
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. 

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 15 U.S.C 1681 section 602 A. States I have the right to privacy. 
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes 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 2023-05-20
Company: Chime Financial Inc
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/2023 my chime debit card was lost. Someone use my debit card and made multiple unauthorized purchases without using my PIN number. There were multiple declined transactions and 2 approved transactions because the person that took my card kept getting declined. I spoke to chime fraud department, and they created a dispute for {$88.00} that same day and cancelled my debt and credit cards. They told me it would take 90 days to come up with a resolution. 

XX/XX/2023. They emailed me and said Theres nothing they can do and that my case is closed. I want my money back. chime never told us that if we lose a debit card, someone can still use it in a store without using the 4 digit secure pin number.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-17
Company: American First Finance, Inc.
State: KS
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
On XX/XX/XXXX I applied for financing through American First Finance, to purchase a washer/dryer from XXXX XXXX ( furniture store ). I paid a processing fee of {$53.00} and the account was opened in the amount of {$1800.00}. The payment schedule was bi-weekly for {$150.00}, with a {$0.00} early buyout period that ended on XX/XX/XXXX, for a 2 year plan. The first payment was due on XX/XX/XXXX. I signed in to the online account on XX/XX/XXXX, paid the full buyout in the amount of {$1900.00}, and have an email receipt showing XXXX balance. I was then charged an additional {$150.00} on XX/XX/XXXX. I called American First Finance to inquire, and was told there were additional fees in the amount of {$150.00}. I requested a refund due to those fees not being disclosed and the refund was placed in my account on XX/XX/XXXX for {$150.00}. I was then charged again on XX/XX/XXXX for {$130.00}. When I called to inquire why I was charged again after my account was closed, I was told the account was reopened when the refund was sent. I was offered a pdf document with a small chart that looked hastily made and unofficial.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-03
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: Reporting company used your report improperly

Complaint:
You have listed incorrect accounts that should not be reflecting on my credit report at all. Not only is this really unfair for me, but also very troublesome, as I have never committed or made any of the things you're claiming I did. Investigate these accounts or I will see to it that I will pursue legal actions.

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 2018-10-21
Company: JPMORGAN CHASE & CO.
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
Due date for this month for my Chase Sapphire Preferred account was XX/XX/2018. I paid the balance IN FULL from a XXXX checking account online on XX/XX/XXXX XXXX XXXX EST. 
The payment completely cleared by XX/XX/XXXX. Logging into my Chase account showed that mathematically the payment had been applied and normal credit line open. 
On XX/XX/XXXX, a {$150.00} purchase at XXXX XXXX in my billing county was declined. I called the customer service number and was told on new accounts like mine that the account is put on hold. I was never told when the hold would be removed that I was never notified of until the decline. There are zero messages in my online account. I never received an e-mail notification of the hold/decline. Declined purchase messages apparently only show up in the phone menu with no real explanation. THE PAYMENT HAS CLEARED. CHASE HAS THE MONEY. 
On XX/XX/XXXX, i tried to order a {$39.00} cent PIZZA in my BILLING ZIP CODE and the charge was declined. My online account shows {$5000.00} worth of clear credit. I called the customer service number again and was talking to a rep who did not have the " authority '' to remove a hold I was never notified of or is justified. I was transferred to an alleged supervisor who said the hold was scheduled to come off the account the following day again because it's a " new '' account. This is FIVE days after CHASE HAD THE MONEY. So my online account information is a manufactured fiction? Totally unacceptable. 
The reason I opened this account was from a seminar by The XXXX XXXX who also had an affiliate link to the application. Many other organizations/bloggers recommend this card as one of the best travel credit cards in the industry. I have a friend who did the same and to date has had no issues. Do not appreciate the questionable legality of not being notified of the policies or obviously an accurate online accounting.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Between XXXX I originated XXXX accounts with XXXX XXXX XXXX XXXX . A personal loan and a credit card which was opened separately. Overtime, either one or both of the accounts had changes to the account number, changes to the terms and conditions or some loan modification. As a result, the account history and the amount of payments and interest Ive paid substantial payments without paying in totality has become available. As well as access to previous statements before the account numbers changed. I have noticed that the principal balance has barely changed and it appears most of all the payments made has gone to interest. For the past XXXX years, I havent had any significant reduction in my principal balance. As a result of financial hardship and reduced income I needed assistance with making payments. The first delinquency was reported in XXXX for both the credit card and loan. After XXXX  years, statue of limitation require negative reporting should be deleted and removed. Also, they have the credit card tradeline for {$19000.00} appearing twice under different account numbers, which is having a double negative impact on my credit. In absence of account history and old statements I have contested the validity of the debt and derogatory information. The credit reporting agencies and XXXX XXXX has failed to rectify the situation and delete derogatory information. Under section 1681s-2B of FCRA 15 USC 1681 et seq and The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq, the companies are in violation and having complied to my requests. Also, in recent news reports and class action lawsuit, XXXX XXXX has allegedly discriminated against minority borrowers and neglected to provide fair lending practices and services. I believe I am too a victim of unfair treatment and would like all derogatory credit reporting to be removed and deleted. I have been a member since XXXX, and Ive paid off several loans with XXXX XXXX. I am deeply disappointed at the way theyve treated me as a consumer. Learning that theyve treated other minority consumers unfairly is terrible. Their actions has negatively impacted my financial health and credit score by continuing to report old and unverified information.

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 2023-12-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
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:
There are accounts under my name that is a result of Identity Theft as well as inquiries that I have no direct engagement with. I have already files the proper documentation for these and have sent it to the bureaus but they did not remove them. 
Please see attached documents for these accounts i am complaining.

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 2023-11-20
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: Information belongs to someone else

Complaint:
I strongly desire not to have this appear on my credit report. I earnestly implore you ; this does not belong to me ; it is a clear case of 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 2023-11-17
Company: TRANSWORLD SYSTEMS INC
State: WA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In XX/XX/XXXX I received a collection notice from Trans World Systems Inc on behalf of XXXX XXXX XXXX, XXXX XXXX, TX in the amount of {$1200.00}. I have never lived in this city and reside in XXXX, WA the last 15 years. I contacted XXXX XXXX XXXX on XX/XX/XXXX and they verified there was no account under my name and that it was a phony collection. On XX/XX/XXXX my credit score suddenly dropped XXXX points from XXXX to XXXX. I checked my credit report and found that this phony charge of {$1200.00} was now listed as a collection by two collection companies. 

XXXX XXXX XXXX and Transworld Systems Inc. I will now have to retain an Attorney to resolve this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-05
Company: ALLY FINANCIAL INC.
State: CA
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:
Seen several unknown hard inquiries on my consumer report and I would like them removed.

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 2023-05-01
Company: Auto Trakk, LLC
State: PA
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: Problem with personal statement of dispute

Complaint:
Auto trakk submitted a false lease agreement and submitted a false statement saying " Auto trakk is not in a position to have this removed from my credit report ''. Because Auto trakk was in the position to place it on my credit report. They only harass minorities by reporting a non collectable debt on the files.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-13
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: FL
Product: Debt collection
Sub-product: Rental debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
FCO  has been filing to credit bureaus, since XXXX, claiming that I owe them {$8300.00} from XXXX to XXXX. I advised that the charges were erroneous and that XXXX XXXX XXXX  did an illegal eviction on XX/XX/XXXX. They claimed that I had an unauthorized person living in my apartment. I immediately called the management office and insisted that they inspect the apartment. They advised me that someone would inspect the apartment. However, they never inspected the apartment instead they sent vacate letters and lease termination letters multiple times. They locked my tenant account and was basically forced to leave. I had no choice but to vacate with my XXXXXXXX XXXX XXXX  children. I am unable to secure an apartment and was left homeless due to this issue for over 7 years. 

They continue to file with the credit bureaus affecting my credit. I continue to get denied my birth right to have a place of residence. I have worked diligently with the credit bureaus to improve my credit and disputed the charges. But FCO  continues to file with credit bureaus and reset the clock. The statue of limitations in the state of NJ is 6 years. Please help me to resolve this matter so that I can have a place to live. XXXX XXXX is notorious for retaining initial deposits, adding erroneous charges and illegal evictions. They need to be stopped as they have monopolized the entire XXXX XXXX region.

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 2017-05-04
Company: TD BANK US HOLDING COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
After having a substantial relationship with  TD Bank, I got a notice they have decided to close my account and gave me no reason whatsoever. I had one issue with a wire transfer which was refuse d and caused an issue on my account, while I was traveling for a family emergency. The signer on my account had his account effected and him being on my account effected my relationship Upon fixing the issue, I was told my accounts were to be closed including all of my lines of credit, business accounts and personal accounts.     I am an ideal client and maintain substantial balances in the accounts and own and operate recognizable businesses.     There was no reason whatsoever my accounts were closed. I had issues which were addressed and fixed the moment they were brought to my attention. I want to have my relationship back as this is the only bank which operates in all the states we do business.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-04
Company: FIRST HORIZON BANK - WEST CONGRESS STREET BRANCH
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
After having a substantial relationship with  Iberia Ban k, I got a notice they have decided to close my account and gave me no reason whatsoever. I had  one issue  with a wire transfer which was refused and caused an issue on my account, while I was traveling for a family emergency. The signer on my account had his account effected and him being on my account effected my relationship Upon fixing the issue, I was told my accounts were to be closed including all of my lines of credit, business accounts and personal accounts.     I am an ideal client and maintain substantial balances in the accounts and own and operate recognizable businesses.     There was no reason whatsoever my accounts were closed. I had issues which were addressed and fixed the moment they were brought to my attention. I want to have my relationship back as this is the only bank which operates in all the states we do business.

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 2023-11-17
Company: Early Warning Services, LLC
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
On XX/XX/ I sent a Zelle transfer to my son from my XXXX account to his XXXX account for {$3500.00}. 
He never received it and Zelle said the transaction failed. 
XXXX has said they did nothing wrong, that the transaction went thru -which it didnt because Zelle even said it didnt.

I cant call Zelle direct because I use my XXXX account : they wont even talk to me on the phone. 
Help I want my money back!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-07
Company: EQUIFAX, 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: Public record information inaccurate

Complaint:
Over the last year I have sent written disputes involving the reporting of a bankruptcy on my personal credit file through Equifax and XXXX. Equifax and XXXX  each time responds verified through 3rd party XXXX XXXX. However I also have obtained my personal file through XXXX XXXX which shows no bankruptcys in their system. How is it that Equifax and XXXX verified through XXXX XXXX  and XXXX XXXX has no data on myself in their system regarding a bankruptcy? Under section 609 of the FCRA Equifax and XXXX would have to go to the original finisher or data which would be the court house but they have failed to do this. I think it also proper to point out that XXXX who also obtain data from XXXX XXXX deleted this same bankruptcy after being presented with no evidence of such. Provided is evidence to support my claim which includes reports from XXXX XXXX, XXXX  and a letter from the XXXX district of Tx.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-01
Company: CAINE & WEINER COMPANY, INC.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/XXXX  I sent a Certified Letter with Tracking and a Return Receipt Tracking to Caine & Weiner asking their office for Validation, Not Verification on the Creditor : XXXX  in the amount of {$120.00}. On XX/XX/XXXX  I received a Verification letter back from XXXX XXXX from the office of Caine & Weiner. The office of Caine & Weiner Did Not provide what I requested from their office. On XX/XX/XXXX  I then sent another Certified Letter with Tracking and a Return Receipt Tracking to the attention of XXXX XXXX who sent the letter from the office of Caine and Weiner and have not received a response back from their office. They have Violated my right to Opt Out under 15 U.S. Code 6802 ( b ). All three bureaus are also in Violation. I never received a letter giving me the option to consent the furnishing of any credit reporting to the bureaus, nor giving them permissible purpose to furnish private information. This is damaging and hurting my reputation in my everyday life due to not being able to receive credit, funding or approval, even for rentals.

Company response to consumer: Closed with explanation