BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-20
Company: DFC Global Corp.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Check cashing service
Issue: Fraud or scam

Complaint:
In level with enormous phone calls and indicator placed letter from Money Mart co d/b/a etc.. That the entitled letter head attachment is in complaint with identity theft. I did not use the address the company has listed the address is not associated with my residency commercial property address at the counter. XXXX XXXX XXXX bank does not have the address identity of the money Mart scandal finds the address on the enclosure on the XXXX account interim therefore the company has identity theft XXXX XXXX XXXX bank account interim name and address.. My EO ( XXXX ) license conduct my address residence in not location of XXXX XXXX in the state of California registration and then tell me when I called and task account online that I do not have an account. Means I am not in the money Mart system with a cross cancel attached document.. Then call me day to day. Attachment is a civil agreement and like I stated I ain't paying your employees overide because the documents provided are the only computers functionality in the money Mart location system the frank documents do not belong to me because it is not the address I used it use. No notice has been mailed to me because the address is not my registration in this said state,.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-27
Company: TRUIST FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
My account was hacked through XXXX and as I was told by my bank to try to get the money back from the merchant I did but they didnt help me at all. So I was told to try to get the bank to get my money back which was {$1100.00}. So I started a case with them and sent them all the information they needed. My mother is the one who sent it since she has a fax machine and keeps records of it and they confirmed they have it and they said now I just have to wait and I said ok with a relief. A month passes by I call just to see whats going on and they tell me my case has been closed and I said I never received anything back and they said I took to long to send my information and I told them I sent everything over to them and they said they couldnt find anything. And I asked what can I do now they said its to late that I took to long. This isnt fair Ive been trying to get my money back I left suntrust

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 2023-12-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX XXXX in XXXX XXXX Florida i went to bank they said account does not exist giving me no opportunity to work this out to remove from credit 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 non-monetary relief
Consumer complaint received 2019-04-18
Company: ACS Education Services
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: Account status incorrect

Complaint:
I have a total of 5 university loans that were serviced by my previous loan servicer, Conduent, which has now turned all my loans to XXXX. I looked at my credit record and say that they reported late payments in XXXX and XX/XX/XXXX, which is not true. I have been paying my loans since XXXX with no late payments. I didn't receive anything regarding late payments in the mail either. There is no working number or email associated with Conduent anymore as it says it has been decommissioned. It seems like online there are multiple borrowers that are in the same situation as me where payments were not applied correctly. I have the ability to pay off all the loans entirely so it is frustrating that they reported deliquent payments against me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I am writing to dispute the inclusion of Delinquent Child Support Payments. According to the recent notice from your TransUnion, XXXX XXXX rulings have determined that Delinquent Child Support Payments, Judgements, Liens Fines do not arise from a credit transaction and should not be reported on credit reports. 

I request that you promptly review my credit report and remove XXXX XXXX XXXX XXXX. I have enclosed supporting documents supporting the inaccuracy of these entries as they are being reported as missed payments although it is actually back pay from when we did not have a proper order in place. This has adversely effected my credit report and should not be included as it was not authorized or agreed upon to be included into my consumer report and it is also not deemed a credit transaction and therefor void of being included. 

Please comply with the new interpretation of the law and ensure the timely correction of this error. Kindly provide written confirmation of the removal of the XXXX XXXX XXXX XXXX from my credit report. 

Thank you for your immediate attention to this matter. I expect a swift resolution. 

Sincerely, 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 non-monetary relief
Consumer complaint received 2023-06-26
Company: DigniFi
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem when making payments

Complaint:
On XXXX XXXX I sent and opt out of a arbitration and Dignifi fail to respond and sent me receipt of this request.I then again in XXXX XXXX mail a second notice to another one of the company known addresses and it came back not deliverable. Dignifi is not even licensed to do business in Texas and have no actual or legal address in Texas.How can I file a claim on a company that not licensed in the county of the suit .Dignifi initiated business with me through practices of deceptive and arbitrary flexibility regarding payment structure and customer service. They continued their relationship with me through abusive practices of misdirection and empty promises. They maintained a measure of unfair means of leaving by posting non-delivery addresses on their website and reports, also e-mails and links were returned saying those accounts were not active. Hopefully you guys will have better luck.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-15
Company: EQUIFAX, INC.
State: CA
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:
This is my XXXX  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 an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: In progress
Consumer complaint received 2023-03-22
Company: EQUIFAX, 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:
hello I XXXX XXXX is not a third party is XXXX because XXXX and XXXX did not fix an error on my credit report and its causing not to get hired and its causing financial crisis in my household I can not get hired because my credit score has dropped because I am a victim of identity theft I have sent XXXX and XXXX my ftc report over 67over and over I have called over the phone with them as well and they claim they didn't receive it which is a lie because I overnighted it and required a signature and they rep singed off on it acknowledging they received I am not receiving any help from them over the phone this has caused me XXXX XXXX because this is causing damaging to the character of my name please please help me I've been thinking bout XXXX because of these issue with XXXX and XXXX because they are not helping me they even hung up on me and refused to transfer me to a supervisor I am sad and XXXX  because they claim they are here to help am I have still not have help in removing these fraudulent items I can't even take care of my XXXX kids I am now homeleness because of the damages you guys have caused to my name and household. please help m, e pleasseeeeeeee its been over 198 days still no response from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-20
Company: Exeter Finance Corp.
State: TN
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
My loan with this company has been paid off and ( despite countless phone calls ) they REFUSE to a ) send me the title and b ) report the loan as paid off to the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-15
Company: Crow Creek Sioux Tribe
State: MA
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
This company did not disclose that the APR for this {$1200.00} loan was 653.25 %, meaning that I would have to pay back over {$6000.00} through 20 bi-weekly payments. I made payments for months and ultimately ended up having to pay {$1200.00} to pay the loan off early in full. They did not allow me to pay in full online, instead I had to call and they schedule the payment for 1-2 days from today.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-07
Company: Experian Information Solutions Inc.
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: Their investigation did not fix an error on your report

Complaint:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/2022. And now we are in the month of XX/XX/2022, and still nothing from them. That means Experian has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. I'D REALLY APPRECIATE IT IF YOU UPDATE OR REMOVE THIS ACCOUNT FROM MY CREDIT REPORT : XXXX XXXX XXXX - Charge-off

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 2021-06-09
Company: Rausch Sturm LLP
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I owe {$15000.00} to XXXX XXXX XXXX and I had been making very regular monthly payment until I lost my job in XX/XX/XXXX. The same year I decided to move out of my home in XXXX XXXX, XXXX   to XXXX, XXXX  XXXX  to reside with my wife 's family and I left XXXX XXXX, XXXX   in late XXXX, XXXX. I wanted to get back to my job search but the Covid-19 pandemic situation forced me to dedicate myself for the care of my elderly parent in laws, one of them is a XXXX XXXX patient surviving on XXXX. 

I received an email from the debt collector Rausch and Sturm on XX/XX/XXXX that I attached for your review. Upon receipt of their email I contacted XXXX XXXX XXXX who referred me to the debt collector Rausch and Sturm and I have set up a payment plan with them. I have also emailed their representative XXXX XXXX twice in a row but I did not receive any response at all. 

After living for more than a year in the XXXX XXXX, XXXX XXXX I returned XXXX XXXX, XXXX  on XX/XX/XXXX. I was truly surprised to learn from my tenant that the debt collector Rausch and Sturm had tried to force them to receive letters dispatched from their office. I was astonished to see a letter that came from XXXX County Court where the debt collector Rausch and Sturm has acted on behalf of XXXX XXXX XXXX as the plaintiff and considering myself as the defendant and the letter was to notify me that they have been granted a default judgment against me to collect the debt I owe to XXXX XXXX XXXX and that they are going to initiate a bank Levy and a wage Garnishment. This whole lawsuit process in the XXXX XXXX XXXX has gone quietly without sending me any notification and while I have been making payments as a scheduled

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 2023-01-17
Company: MUFG AMERICAS HOLDINGS CORPORATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
Against Union Bank of XXXX  I have had a business account with them since at least XXXX. Unfortunately, Union Bank allowed 5 unauthorized withdrawals from my account. The first one was for XXXX cents on XXXX XXXX. The other unauthorized withdrawals took place as follows : XX/XX/XXXX for {$13000.00} ; XX/XX/XXXX for # XXXX & on XX/XX/XXXX for {>= $1,000,000}. 

I first found out about these unauthorized withdrawals on XX/XX/XXXX when the bank called me to tell me that I was overdrawn. I knew that was impossible so I called customer service. They proceeded to tell me about the withdrawls. They further told me that I had to go in person to the bank to file a claim. 

I went into the bank that same day and filed the claim. I also provided them with a letter stating that all those withdrawals were unauthorized. 

On or about XX/XX/XXXX the bank notitifed that they were denying my claim on the basis that they were told by the company that I signed an authorization. I told the bank that this was NOT true and to send me a copy of the authorization. 

Nonetheless, besides me not signing any authorization there are several problems with that story. First of all, assuming arguendo, that I did sign an authorization ( which I didn't ) why did the bank allow the funds to be removed without first seeing the authorization. Secondly, if they had a signed authorization why did they first have to test the withdrawal from account for XXXX cents. 

Lastly, and the most important, the withdrawal was allegedly for a collection account for an LLC. I have NEVER been an LLC. My account is solely in my name. Thus, the bank allowed someone to withdraw funds from an account that was and is NOT under my name. 

Despite this, they refuse to reimburse me the money. This is wrong. They should immediately reimburse me the money that was wrongfully taken from my account, that the bank wrongfully allowed.

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 2023-09-01
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: Account status incorrect

Complaint:
In XX/XX/XXXX I totaled my XXXX XXXX XXXX and i had GAP Insurance. After GAP payed they left me a balance of {$880.00}. I don't owe this as GAP should have paid this car off.

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 2023-09-01
Company: Experian Information Solutions 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:
Please see the attached FTC report and XXXX  release form and remove the listed unauthorized accounts and inquiries due to my information being compromised in the XXXX data breach. Please perform the necessary updates to my credit 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 2018-08-08
Company: Financial Credit Service, Inc.
State: TN
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
On the morning of XX/XX/2018, I received a call from XXXX XXXX XXXX concerning my many-years-estranged sister who lives in another state and, allegedly, wrote a bad check. She confirmed MY personal information to me ( my name, address, several other previous addresses as well as my parents full names and info ) before informing me that myself and my parents are co-defendants in the case against my sister writing a bad check to what appears to me a personal loan company and that there would be arrest warrant sent out for her and that she had to contact them by XXXX. I asked whether my mother, father and I would be liable for my sister 's alleged issue and she said that we were co-defendants but that we would be dropped off of the case if and when my sister or her attorney contacts the business. I was not asked for money or for my sister 's information, only to pass along the information to my sister. I am not sure whether they are looking to scam her, scam me or if this is a true issue, but this was definitely threatening and felt illegal as I know I have nothing to do with the matter at hand and was named as a " co-defendant '' unless my sister contacted them. And they have all of my personal information, my sister 's information ( including her social security number ) and I don't appreciate my parents being threatened or accused of illegal behavior. I understand debt collectors have to do what they have to do but that was HIGHLY inappropriate. To the service rep 's credit, she was polite and gave me all the info on the matter that I requested. I don't believe it was a matter of the rep mishandling the case but overall shady business practice.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-17
Company: EQUIFAX, INC.
State: TX
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:
In accordance with the Fair Credit Reporting Act, the following companies have violated my rights. There has been an unauthorized credit inquiry that has been performed without my expressed, or written, permission. 

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 Acceptable Resolution : The aforementioned credit inquiries should be removed from my credit report. These were performed without my consent or knowledge.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-20
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:
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 # /ref # 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.

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 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 response to consumer: Closed with explanation
Consumer complaint received 2023-01-17
Company: Experian Information Solutions Inc.
State: TX
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:
In accordance with the Fair Credit Reporting Act, the following companies have violated my rights. There has been an unauthorized credit inquiry that has been performed without my expressed, or written, permission. 

Experian Inquiry - 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 Acceptable Resolution : The aforementioned credit inquiries should be removed from my credit report. These were performed without my consent or knowledge.

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