BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TRANSUNION INTERMEDIATE HOLDINGS XXXX XXXX XXXX XXXX 18 usc 241 and 242 15 usc 1691c 15 usc 1692k 15 usc 1642 15 usc 1681m 12 Cfr 1002 12 Cfr 1002.7 All parties failed to conduct a reasonable investigation pursuant to the FCRA, they failed to review all relevant information provided by me pursuant to the FCRA, failed to correct and update the accounts credit report, and failed to take appropriate measures upon notice of the disputed debt as outlined in the FCRA. The Complaint asserts a single cause of action alleging numerous and multiple willful, reckless or negligent violations of the FCRA, and seeks actual and statutory damages pursuant to 15 U.S.C. 1681n ( a ) ( 1 ), punitive damages pursuant to 15 U.S.C. 1681n ( a ) ( 2 ), and reasonable attorneys fees as iam Attorney-in-fact and costs pursuant to 15 U.S.C. 1681n ( a ) ( 3In accordance with United States Codes and Federally protected consumer rights these violations are noted and probably more, 1026.13 Billing error resolution. 
18 U.S.C S.s.1029 Violation 18 U.S.C c.47 Violation 18 U.S.C S.s. 1030 Violation 18 U.S.C 1644 Violation 47 U.S.C 325 Violation Notice : The Federal Equal Credit Opportunity Act prohibits creditors from discriminating against credit applicants on the basis of race, color, religion, national origin, sex, marital status, age ( provided the applicant has the capacity to enter into a binding contract ) ; because all or part of the applicant 's income derives from any public assistance program ; or because the applicant has in good faith exercised any right under the Consumer Credit Protection Act I wish the every violation get investigated.in an timely manner thank you

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 2023-02-03
Company: EQUIFAX, INC.
State: CA
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 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 alleged fraud or extortion. 
XXXX XXXX XXXX Balance : {$560.00} XXXX XXXX XXXX XXXX  XXXX Balance : {$660.00} XXXX Inquired on XX/XX/2023 XXXX XXXX XXXX Original creditor XXXX XXXX XXXX XXXX Balance : {$540.00} XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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 XXXX XXXX XXXX XXXX has violated my rights. 

I have reviewed my payment history and I believe he late payments on my account are not accurate. I would like the late payments removed from my account. 

15. U.S.C. 1681 Section 602A States I have the right to privacy.

15 U.S.C. 1681 Section 604A Section 2, it also states a consumer reporting agency can not furnish an account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-09
Company: Aqua Finance, Inc.
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
Date : Thu, XX/XX/XXXX at XXXXXXXX XXXX Subject : Inoperative Alarm w/ over 20 messages from ( Brently ) To : XXXX XXXX XXXX To whom it may concern : To Ms. XXXX XXXX, I'm exercising my right from the last paragraph from the back of the payment coupon statement : Your rights If You AreDissatisfied With Your Credit Card Purchases ... by not to continue to make payments for the rendering services of XXXX XXXX/ ( XXXX XXXX ). 

For the inoperable security system that was placed in my home on XX/XX/XXXX. We have constantly requested for reinstall are security XXXX XXXX/ ( XXXX XXXX since XX/XX/XXXX ) from XX/XX/XXXX to present, and now are bedroom window and the back door since XX/XX/XXXX to Ms. XXXX XXXX XXXX XXXX XXXX. My wife had expounded why she had great concerning for the safety of her grandson in bedroom 2. 

On XX/XX/XXXX the front doorhad set off a Pending Alarm ... and there was not one call from either XXXX XXXX XXXX / the Sheriff Office investigating the Pending Alarm. Attaching documental supportive evidences

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01
Company: I.C. System, Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
the collection account is reporting an active payment history and there's no contract between myself & I.C. Systems nor XXXX making it impossible to have a reported payment history as they are not the original creditor. This collections is reporting every month from XX/XX/22 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 2021-05-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have reviewed a copy of my credit report and I show company XXXX XXXXXXXX account number XXXX is listed as non-verified account. I have attempted on several times to have this account reviewed with no luck. I have been violated per the FRCA and FDCPA. I will need help for deletion of this account due to attempting to purchase a home.

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 2022-07-06
Company: Flagstar Bank, N.A.
State: MI
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Flagstar blocked the access to process our payments online due to a block- according to them our bank wasnt letting payments going thought. I went into a branch to make a payment with cash- they refused to accept my payment because I needed to have verified funds ( I am not sure how cash is not verified funds ). I was told to get a cashiers check or money order and mail payment- I overnighted to payment to flagstar bank- the address I was provided by agent reps and branch- Now the payment is not located. I have attempted to call and fix the issue with them and they are making it impossible to correct the payment. I need the payment to be backdated to when the payment was received. I have called them and provided check number and when they cashed the check and they are still refusing the help.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-09
Company: GOLDMAN SACHS BANK USA
State: OR
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:
On XX/XX/XXXX an approved charge was made to my account in the amount of {$2500.00} USD. Subsequently, I paid my credit card balance in full on XX/XX/XXXX in the amount of {$3000.00} USD. The merchant later refunded my initial purchase of {$2500.00} USD on XX/XX/XXXX leaving my account with a large credit balance of {$2500.00} USD. 
After speaking with multiple representatives via phone and chat, I understand a technical glitch exists in their system that does not permit me to be issued a refund check for the overpayment ( credit balance ) because of a payment installment program I have for unrelated merchandise that will complete sometime in XX/XX/XXXX. Although the payment installment plan allows for an early payoff, Goldman Sachs can not process this because of the existing overpayment. I was informed that my only solution was to allow the installment plan to complete naturally in XX/XX/XXXX and then request a refund check for any remaining amount. 
Although I understand the technical limitations involved, neither reason should prohibit the exercising of my rights guaranteed by the FTC : promptly credit or refund overpayments and other amounts owed to your account when your account is owed more than XXXX XXXX. If you prefer a refund, it must be sent within seven business days after the creditor receives your written request. 
Today, XX/XX/XXXX I send a certified letter requesting this refund check be processed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-03
Company: American 1st Rate Mortgage, LLC
State: CO
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:
AMERICAN FINANCING C via XXXX XXXX XXXX and Requested On XX/XX/XXXX XXXX XXXX XXXX XXXX  via XXXX XXXX XX/XX/XXXX In accordance with the Fair Credit Reporting act. The List of accounts above has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 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 response to consumer: Untimely response
Consumer complaint received 2023-03-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 XXXX : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX : XXXX, XXXX : 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 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 2023-06-10
Company: JPMORGAN CHASE & CO.
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
I had put a dispute in with chase because I lost my card and there was unauthorized transaction on my account. They are telling me that it was authorized and I never authorized any transactions I never even spent money on my account. I only made deposits into my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20
Company: DISCOVER BANK
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: Information belongs to someone else

Complaint:
Thank you for taking the time out of your day to assist me with this issue. In XX/XX/XXXX I have contacted this creditor and advised them that I am a victim of identity theft. I provided them with all proper information and still refuse to assist me with removing this information off my credit report. I also provided them with police records that I have advising them I have been a victim. I called them today XX/XX/XXXX and they advised me that they will not remove this information off my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-23
Company: Experian Information Solutions Inc.
State: NV
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
made my proper payments to XXXX XXXX XXXX for the month of XXXX and XXXX someone that works for XXXX XXXX XXXX XXXX was able to use my information and get my payment funneled into their hands by acting like a representative of the company trying to receive my monthly payments I realized in XXXX that the payments I made for XXXX and XXXX where not properly placed and not applied ruining my perfect credit history this needs to be fixed and show that was I never late on my payment

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 2023-02-01
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: Information belongs to someone else

Complaint:
This is my XXXX request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific items in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX 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 2023-09-13
Company: Block, Inc.
State: NV
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
I've had several issues regarding my cash I was using cash app I've had an account open with them for 3 yrs or longer and just recently I've been having problems with my money not being returned to me there are 4 incidents the 1st was 10 transactions for XXXX and XXXX XXXX is free I fought tooth and nail about that but cash app support blew me off the 2nd one was for {$11.00} I made a transfer from my bank to cash app and they added a quarter to my account apologizing never seen that money the 3rd was in the amount of {$56.00} I canceled a food order and I never received that money I had a chat session with some one everyday about the funds it took place on XXXX XXXX from the merchant XXXX and cash app both companies was feeding me XXXX  and normally refunds take about 3 to 5 buisness days to reflect the representative from cash app had the nerves to tell me sometimes it takes up to 60 days .the 4th one is for {$64.00} I payed this amount at XXXX XXXX and the merchant just completed the final amount of {$39.00} on XX/XX/XXXX  I received a msg from cash app staying the merchant adjusted the amount and I never seen the other portion of the XXXX dollars put back on my account and Everytime i have to go back and fourth with this company asking me questions like why do I think I'm missing money I can clearly read my transaction history just fine and understand what I see I didn't just start banking yesterday they trying to play me for an XXXX im very wise and intelligent I would not waist my time or cash app support time just trying to pull wool over there eyes times are hard and we trust these financial institutes witn our cash

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-10
Company: Winklevoss Exchange LLC
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Problem adding money

Complaint:
I have been trying to trade crypto with Gemini exchange but they have closed my account when I sent them all the necessary documents for verification. This is very frustrating because now I can not withdraw or deposit money to the account and I have a lot of money I have no access to. I need this limit removed from my account as I dont even know why this happened in the first place. Gemini support will not answer any of my emails or messages and I need help from another source to get this resolved. There has to be a solution to this.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-09
Company: ProCollect, Inc.
State: GA
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
The procollect has been disputed the mortgage debt multiple times even after I have contacted them and provided all the details regarding the identify theft and Im not involved in it. I also contacted the primary source company XXXX XXXX XXXX  and gathered the details : they also informed that they have no records under my name :

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 2023-02-01
Company: Experian Information Solutions Inc.
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 did not consent to this account or did i gain any financial gain from this account.

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 2022-03-11
Company: Stilt Inc
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
Both the mobile application and website are full of bugs and issues that need to be fixed as they cause issues with making payments. 

- In order to add a payment method on the website, you need to use a service called Plaid. The issue is that the service seems to never work and the payment method never adds.

- There is only one way to pay and that is online. No mailing address or payments through your banks bill pay.

- Their customer services takes long to respond to inquiries- Due to the fact that their website and app contains bugs, it doesn't accurately display the amount due. My complaint stems from the following : 1 ) I had a payment due of {$250.00} on XX/XX/2022. On XX/XX/2022, I logged in and made a payment of {$250.00}. Additionally, I made a payment of {$140.00} to go towards principal so a total of {$400.00} was made. 

2 ) These payments cleared my bank account on XX/XX/2022. 

3 ) On XX/XX/2022, I logged into XXXX to see if they posted my payments to my account only to see that I am now delinquent and owe XXXX cents. Mind you, I made the exact payment that they said I owed through the website and even made an additional payment. I immediately made the XXXX cent payment and this was withdrawn on XX/XX/XXXX. 

4 ) XX/XX/2022, I receive two back to back robo-dialed calls from XXXX informing me that I am delinquent XXXX cents and need to pay immediately. I then received a text informing me the same. I called them and they confirmed that there is a mistake in their system and to please disregard. Although FDCPA does not state the amount of times they can call, this can be considered " unreasonable ''

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-03
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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is 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 2023-05-15
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
This is the 10th time I have complained about Experian not deleting an address that's not mine and I never lived there and they are still not removing it. I will include a screenshot of the information as of today XX/XX/2023. 
Please remove this address from my credit report : XXXX XXXX XXXX XXXX XXXX, FL 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