BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
I discovered that some items on my credit report were incorrect when I reviewed them. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified without providing any proof within the time framespecified by law. My credit report includes these erroneous items that need to be investigated and corrected : 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 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 non-monetary relief
Consumer complaint received 2021-10-08
Company: BlueChip Financial
State: LA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
Due to a series of financial difficulties caused by unexpected medical expenses and Hurricane Laura, I took out 3 loans with Blue Chip Financial dba Spotloan on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX for a total of {$1800.00}. To date, I've paid {$2300.00} to this lender, with the most recent interest rate being 460 %. 

I stopped payment to this lender in an effort to consolidate my debts with a debt consolidation company. This company did nothing to settle any of these debts so I cancelled my contract and, eventually, obtained a refund. Thereafter, I discovered that Blue Chip Financial is not a licensed lender as required by Louisiana law, that the interest rate charged exceeded legal maximums, these loans are " null and void '' ( La. R.S. 9:3518.4A ( 1 ) ), and this company recently settled 4 class action lawsuits involving the same issues I've identified here. I filed a complaint with the Louisiana Office of Financial Institutions who has now referred the matter to the Louisiana Attorney General 's Office.

The company responded to OFI and myself. The company offered to settle my outstanding {$800.00} loan for {$780.00} even though I've already paid {$170.00}. The previous loans were acknowledged, but the company did not offer to refund the excessive interest charges nor did it acknowledge that their fees exceeded allowable limits. Instead, the company continued to allege that they are not subject to state or federal regulation due to tribal immunity. This assertion is belied by the lawsuits settled XX/XX/XXXX. Moreover, the case cited in the email submitted concerns contracts arising under the Tribal Gaming Act and are therefore inapplicable to the instant matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-13
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:
XXXX is reporting an unauthorized loan on my file for XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-03
Company: EQUIFAX, INC.
State: CT
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'm submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here are the list of items which do not belong to me or were opened without my permission : XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX, CT XXXX ; XXXX XXXX XXXX  XXXX XXXX NJ XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX Date opened XXXX XX/XX/XXXX Balance : {$1300.00} ; XXXX XXXX XXXX XXXX  Date opened XXXX XX/XX/XXXX Balance : {$430.00} ; XXXX XXXX Date opened : XXXX XXXX, XXXX Balance : {$0.00} ; XXXX XXXX XXXX Date opened : XX/XX/XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Date opened : XX/XX/XXXX XXXX XXXX {$520.00} ; XXXX - XXXX XXXX XXXX Date opened : XX/XX/XXXX Balance : {$800.00} ; XXXX XXXX  XXXX Inquired on XX/XX/XXXX ; XXXX XXXX, XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX  Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXX ; XXXX Inquired on XXXX XXXX, XXXX ; XXXX Inquired on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-07
Company: Square Inc
State: OR
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
In the early morning hours of XX/XX/2021, someone broke into my car by smashing out a window and stole a bunch of my things including my wallet which they found under my seat. Inside my wallet was my debit card, issued by Cash app through XXXX Bank. Between the hours of XXXX XXXX XXXX  am that morning, my debit card was used to make a bunch of unauthorized transactions at multiple different retailers ( see supporting documentation for details regarding the transactions made ). I was asleep at the time, and my phone was turned off, but when I woke up at approximately XXXX that morning, I turned my phone on and received multiple text messages from cash app regarding the transactions. I immediately reported my card as stolen and marked all the transactions made as unauthorized. I was not able to contact Cash app support over the phone, but was able to contact them via they're in app support channel, as I was instructed to do when calling their support number. They let me know that they would be investigating the transactions and would contact me over email with the results. 

Eventually I received an email from cash app support that informed me they had concluded their investigation and decided the transactions made were actually authorized transactions and were made using my pin number. However, this is totally untrue! My card was stolen, and definitely was not the one using it at the register. Nor have I ever shared my pin number with anyone, and it definitely wasn't in my wallet or written on my card, so there is absolutely no way the thief would have known it. Furthermore, all the unauthorized transactions had not been immediately debited from my account, and were initially marked as pending transactions, meaning that they were not in fact debit card transactions requiring my pin, as cash app claimed, but would have been made at the terminal by electing to run the card as credit rather than debit. 
When I pointed this out to cash app, and sent them statements made in their own terms of service regarding the use of my card, I received no real response from anyone. In fact my last message to them went completely ignored.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-25
Company: TD BANK US HOLDING COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Privacy issues

Complaint:
According to 15 U.S. Code 6802 Section 6 ( a ),... to a consumer reporting agency in accordance with the Fair Credit Reporting Act [ 15 U.S.C. 1681 et seq. ], or ( B ) from a consumer report reported by a consumer reporting agency ; And 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) states, ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; 15 USC 1681 s-3 states, ( 3 ) DURATION ( A ) In general The election of a consumer pursuant to paragraph ( 1 ) ( B ) to prohibit the making of solicitations shall be effective for at least 5 years, beginning on the date on which the person receives the election of the consumer, unless the consumer requests that such election be revoked.

( B ) Notice upon expiration of effective period At such time as the election of a consumer pursuant to paragraph ( 1 ) ( B ) is no longer effective, a person may not use information that the person receives in the manner described in paragraph ( 1 ) to make any solicitation for marketing purposes to the consumer, unless the consumer receives a notice and an opportunity, using a simple method, to extend the opt-out for another period of at least 5 years, pursuant to the procedures described in paragraph ( 1 ).

I have asked several times for the clear and conspicuous disclosure given to the consumer at the time of the creation of this contract which I have not yet received, and as you stated I have made several attempts to receive it from your company. In addition to this, according to your records sent to me via the CFPB portal, this account is over five years old which means that the duration has reached its expiration. This account should be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-12
Company: EQUIFAX, INC.
State: TX
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:
These accounts are not mine. According to USC 1695 and FCRA along with FDCPA rights, any unauthorized and fraudulent activities must be removed and blocked from reporting to my credit reports. I have attached documentation of the letter that was sent to the furnishers on XX/XX/2021. They are still contacting me and this was shown up on my Equifax credit report. I will sue them if they continue to collect debt that is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-26
Company: Fast Money Loan
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
I owned ( free and clear ) a XXXX XXXX XXXX with very low mileage and decided to take out an auto title loan from Fast Money Loans. I took out the loan in XXXX and the car 's value at the time was about {$10000.00}. The title loan was only for {$4000.00}. 

Fast money loans had a habit of mis-applying my payments, which by the way, were always well above the minimum payment of {$300.00} ( see attached ). Somehow even though I had already paid off my loan in full and well ahead of schedule -- my car got repossed twice and they refused to hear me out or give me my car back. When i asked them why they thought i was past due, it turned out that they didn't even apply some of my payments to the loan. Then once i showed proof that they made an error, they said that they applied my payment to the principal and therefore the loan was still past due. This makes no sense whatsoever. It was clear that their goal was to rob me. They stole my car after I had already repaid close to {$5000.00} on a {$4000.00} loan. 

I am attaching all of my communication with this company regarding their theft of my vehicle. And yes I am calling it theft. It isn't just predatory lending. I clearly documented every payment i made and on which dates and had all of the payment receipts and they still said that i was past due. By XX/XX/XXXX i had paid off the loan ( had they correctly ammortized they would have realized this ) and it was many months ahead of schedule. Loan wasn't supposed to be paid off until middle of XXXX. They somehow found an excuse to repo my car and refused to give me any way of getting it back as you will see from the communication. 

They had exhausted my funds and left me without any money for an attorney. In fact, i didn't even have enough money to use a mediator which was what i had initially intended to do as you will see from the emails. Everything that they did was extremely unethical and they even sabotaged me on an insurance claim that i was making on the vehicle.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-09
Company: Navient Solutions, LLC.
State: FL
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:
I had student loans and was making payment on time up until a certain point ( payments were automatic, the card I was using expired and I never realized it ). Eventually the loans went into default. I was then put into another federal consolidation program which I have been current with payments up to this current date. I have since started working on my credit and working towards a vehicle. This is really hurting my credit and I just would like to know if the way everything is being shown to me is correct. Attached will be photos of what I can see and what I tried to have XXXX correct. It is showing 120+ plus days late but yet the month before and month after are in green. I understand It is my financial responsibility to make payments on time.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
Account info Account name XXXX XXXX XXXXXXXX XXXX Account number XXXX Account type Unsecured Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$1.00}, XXXX written off. {$1.00}, XXXX past due as of XXXX XXXX. 




Inaccurate reporting, should not be reporting according to 15 USC1681e ( b ).

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 2023-04-20
Company: AMERICAN NEIGHBORHOOD MORTGAGE
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My mortgage company American Neighborhood Mortgage company failed to pay the premium for my homeowner 's insurance and as a result, the policy has lapsed. 
I had set up direct deposit to pay my taxes and insurance along with my mortgage payments thinking I should not miss any payments inadvertently. 

American Neighborhood Mortgage 1 XXXX XXXX XXXX XXXX IL XXXX Loan Number : XXXX The insurance company sent me an offer to reinstate by postal mail dated XX/XX/XXXX which I took it up with the mortgage company through their customer service dept. they assured me that it will be taken care but they did not until I noticed on XX/XX/XXXX. 

On speaking to them they acknowledge they received two bills on XX/XX/XXXX for the amount of {$1200.00} and another bill for {$560.00} which was for my other property. They also acknowledge that they received another bill of {$560.00} on XX/XX/XXXX for my other property and Evidence of Insurance on XX/XX/XXXX. A notice of Cancellation was finally served to them, yet no one contacted me or the insurance company to reinstate the policy. 

My insurance lapsed and was canceled as a result and I was unprotected for almost 4 months. I am now forced to buy a new policy at a higher rate as now I am being treated as a defaulter for non-payment of the premium which attracts higher rates.

They are not refusing to take the differential cost of the premium ... and it is not fair to me as should they have paid it on time I wouldn't have had to pay the higher rate. 

Request you to please investigate it and help me get the adjusted amount back for at least this year.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-11
Company: ACCESS GROUP INC.
State: DC
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
Access Group is incorrectly classifying a payment as late, when it occurred on the very month that my loans were transferred to another servicer. They are using it as an excuse to deny me a lower interest rate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-16
Company: Experian Information Solutions Inc.
State: KY
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 am making this CFPB complaint in order to get the fraudulent accounts and information that are being reported on my credit file removed as soon as feasible. My credit report contains a significant number of unlawful requests as well as some false information reporting. My identity has been hijacked, and I am aware of it. As a result, I formally reported this to the FTC under XXXX XXXX XXXX. In accordance with FCRA Section 605B rules, I have integrated that report into my complaint ( 15 U.S.C. 1681c-2 ). Please erase these items from my credit record as soon as possible in compliance with the law ( i.e., 4 days ). Please let me know if you require anything else. I require the following items immediately removed from my Credit File : 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 If you believe I possess the disputed objects, please provide me copies of whatever paperwork you have that proves you are the legitimate owner. In the absence of these documents, these bogus accounts will 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 explanation
Consumer complaint received 2020-02-01
Company: LEXISNEXIS
State: GA
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 AM REQUESTING A SECURITY FREEZE ALONG WITH BLOCK ON ALL ACCOUNTS. 

XXXX XXXX XXXX XXXX XXXX US DEPT OF ED/XXXX XXXX XXXX XXXX XXXX XXXX Credit Card XXXX INQUIRES : XXXX XXXX XX/XX/XXXX XXXX XXXX   XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 appreciate the time the TransUnion did to remove some items I asked them to remove. However, I found that the negative accounts were still in reporting in my Credit Reports. And I have requested the Credit Bureaus to remove them along with the previous items in my complaint dated XX/XX/2023 and XX/XX/2023, but only TransUnion remove some items and XXXX remained unattentive of my request. Once more please see the items I listed below FOR REMOVAL : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TRANSUNION 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 non-monetary relief