BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
Certified dispute letters was sent to all 3 credit bureaus

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 2023-11-21
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: Information belongs to someone else

Complaint:
I have been disputing fraud ACCOUNTS on my credit report. The ACCOUNTS are not showing in dispute nor are they removed from my report. The bureaus seem to ignore the trend and let these fraudulent ACCOUNTS affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the ACCOUNTS claim to be mine. I have had ENOUGH! HOW MUCH DOCUMENTATION does it take to get SOMEONE to REALLY DO SOMETHING?? LOOK at the attachments! THIS IS NOT ROCKET SCIENCE! You asked for Documentation and I have given it. AGAIN AND AGAIN AND AGAIN! This is my last option before I take this up with my lawyers and sue for full compensation and damages incurred. Please delete the ACCOUNTS immediately. 


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 2015-08-26
Company: IMMEDIATE RECOVERY GROUP, INC
State: TN
Product: Debt collection
Sub-product: Federal student loan
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
After successfully completing my adult education and securing a career that allows a salary to begin paying back my school loan debt to the Dept. of Education, I shared a long call with the collection client handling my account with the Dept. of Edu., named Immediate Credit Recovery , Inc. During the call, I was able to secure a monthly payment plan of {$500.00} on the correct amount of debt owed of {$57000.00}. 
On both the government letterhead and the collection company 's letterhead, this is the correct amount shown as due and to be collected. All seemed great, now. I had talked with them, worked out and began paying on the re-payment plan, and was so happy to have the better career and paying back what was borrowed. 
Then, in XX/XX/XXXX, the collection agency sends a new letterhead with an unexplained new amount due, {$68000.00}. No explanations, just quietly changed the amount due to a nearly {$14000.00} extra profit on their part. I called and talked with a person with the collection complaint department for my state, and he carefully explained that unethical collectors will, sometimes, change the amount due. The idea is that since the agreement has been made, most people just stay locked into making their payments and forget about the loan. I saw a XXXX XXXX episode, where he said the same thing. He implored people to save every piece of writing from collection companies and compare for changes. He and the person from the state were right. I was happy n content that I had an agreement and was making payments as planned. But, luckily, I looked at the statement, and without notification or explanation, they added {$16000.00} +/-. 
I have all documentation from the Dept. of Education to show the correct amount due, and from the collection agency, that showed the correct amount then the increased amount, too. All on letterhead from the company. 
I was so proud to have been successfully paying on a target debt amount and watching it go down. Now, such devious behavior that was mentioned on XXXX XXXX show and by the state dept. of consumer affairs has happened to me. I 'm proud to have used my school loans to better my career and to have begun faithfully paying it back. But, such changing of numbers has hurt my encouragement. Just like the XXXX unethical changing of numbers and overcharging, Immediate Credit Recovery has had many complaints filed with other states and agencies, as I learned from talking with them. Please help.

Company response to consumer: Untimely response
Consumer complaint received 2023-11-21
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 XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 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. Code & 1681a - Definitions ; rules of construction - Exclusions.Except as provided in paragraph the term " consumer report '' does not include any report containing information solely as to transactions or experiences between the consumer and the person making the report ; 912 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.

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 2023-03-02
Company: EQUIFAX, INC.
State: TN
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:
After recently reviewing my credit report, I noticed several unauthorized credit inquiries. I suspect that I am a victim of identity theft and have contacted the appropriate authorities including the FTC and my local police department. I did NOT authorize the following inquiries listed below. These fraudulent credit checks were not obtained with my consent. Please delete immediately and send me an updated credit report confirming the removals. 

XXXX XXXX XXXX ( Bank ) XX/XX/XXXX - XXXX XXXX XXXX ( Finance ) XX/XX/XXXX - XXXX XXXX XXXX ( Finance ) XX/XX/XXXX - XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-14
Company: Google Compare Credit Cards Inc.
State: KY
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:
I've had two fraudulent charges made without my consent and have not been reimbursed on my lost funds nor have had the problem of the fraudulent website solved. I've contacted my bank and they can't help or fix the issue. So my account has been closed until something is done about it. 

1. GOOGLE *Com, GOOGLE *Com2uS Corp , Mountain XX/XX/2019 Debit {$100.00} 2. GOOGLE *Com, GOOGLE *Com2uS Corp , Mountain XX/XX/2019 Debit {$100.00}

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 2023-09-05
Company: Redfin Corporation
State: HI
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Wrong amount charged or received

Complaint:
In selling my property XXXX XXXX XXXX XXXX, Hawaii XXXX. The seller had to pay both agents commissions which were set at 2 % commission. The time that it went into the escrow account. I noticed that their commission was taken off from the top which was not the actual correct price that the seller was getting because they added the credit back to the buyer of XXXX. I went over this with the seller 's agent and they made an amendment but when it came to the buyer 's agent their answer was no. Who I am disputing. XXXX XXXXXXXX XXXX XXXX XXXXXXXX at XXXX ( XXXX ). XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, Hawaii XXXX.

Company response to consumer: Untimely response
Consumer complaint received 2023-04-29
Company: TMX Finance LLC
State: GA
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Received a loan you didn't apply for

Complaint:
On XX/XX/XXXX I applied for and received a loan from TitleMax for the amount of {$1500.00}, Total pay off amount of {$1700.00}. On XXXX XXXX, I received a call from XXXX who identified himself as the the manager at the TitleMax location where I obtained Title Loan. He stated the purpose of his call was to advise me that {$8500.00} was deposited into a pay portal that the Broker that process my loan created on XX/XX/XXXX, XXXX XXXX then spent the next five minutes trying to convince me and persuade me to use the money presenting multiple pay off dates. I advised XXXX that the deposit on XX/XX/XXXX was I did not request {$8500.00}, that the deposit was unauthorized and to remove the {$8500.00}. Which to this day, XX/XX/XXXX has not been removed. Written Statement from TitleMax " XXXX XXXX entered a thirty ( 30 ) day Pawn Transaction and Security Agreement ( the Agreement ) with TitleMax on XX/XX/XXXX, for {$1500.00} ( the Pawn ) and pledged her XXXX XXXX XXXX ( the Vehicle ) as collateral. Pursuant to the terms of the Agreement, XXXX XXXX Pawn balance of {$1700.00} was due on or before XX/XX/XXXX. '' To CFPB on XXXX XXXX " In reference to Transaction dated XX/XX/XXXX for {$8500.00}. I am now being falsely accused of initiating a new loan on XXXX XXXX, from the same pay portal mentioned above that I requested unauthorized funds to be withdrawn from account. " On XX/XX/XXXX, XXXX XXXX refinanced the original Pawn via Companys online customer portal, by entering into a new Pawn Agreement ( the Refinance Agreement ), the proceeds of which paid off the Pawn under the Refinance Agreements terms and created a new pawn transaction ( New Pawn ). XXXX XXXX also elected to add more funds to the New Pawn, bringing the total Pawn balance to {$4600.00} due on or before XX/XX/XXXX. XXXX XXXX has failed to pay off the Refinance Agreement, which was due by XX/XX/XXXX, leaving an outstanding Pawn balance of {$4600.00} ''. TitleMax refuses to offer any documentation of the deposit of funds on XX/XX/XXXX, or record of withdrawal of funds, totaling {$8500.00}, or any documentation related to the unauthorized XX/XX/XXXX transaction that I reported and asked to investigate. My accusation is that TitleMax 's actions violated the EFTA, TILA, FDCPA in multiple ways. 15 USC 1693b, 15 USC1693c, 15 USC 1963d, USC 1693F, 15 USC 1963g, 15USC 1963H, 15 USC 1693i. There are multiple violations within each of the codes listed in addition to the codes violated that are not listed. I may list them separately based on response.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX Account # 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 furnishan accountt 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 non-monetary relief
Consumer complaint received 2022-05-04
Company: EQUIFAX, INC.
State: FL
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, Account # 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

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-26
Company: Liberty Holdings, LLC
State: CO
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint:
I was given a document of judgement for a Garnishment by my HR representative today at work. Without my consent my employer was informed of this document and given the opportunity to read what was on this document. They then gave the document to me at my place of business without any recognition of a process server or any request for my presence in the initial handoff.

Company response to consumer: Untimely response
Consumer complaint received 2015-10-07
Company: Bureau of Accounts Control
State: NJ
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
This account has been closed and should NOT be on my credit report. It was to be removed XXXX 2015, yet it is still on ALL XXXX credit bureaus report.

Company response to consumer: Untimely response
Consumer complaint received 2017-03-30
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: OH
Product: Payday loan
Issue: Can't contact lender

Complaint:
XXXX XXXX using Ace Cash Express Payday Loan name to try and collect money not owed to them. Contacted Ace cash express and I have no debt with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I have disputed a collection with your company. 
The collection was removed Later the collection company reinserted the collection by using another name. 
I disputed it with CFPB Recently the company gave back to XXXX XXXX reinserted the collection XXXX changed original account name, orignal balance and account number and original creditor. 

I filed complaint Through the CFPB portal XXXX has acknowledged that the account number, balance and original creditor may have been changed when they recently put it back on my credit report. 

XXXX also stated " even though this may have happened the original account number and balance are still the same '' This is a violation of my Credit reporting rights and this is not fair debt collection practices.

Attached you will see My claims old credit reports the old collection dispute from the cfpb and it being removed. 
the credit reporting agencies old records. 
Also from the original creditor they had previously stating that they had no record of me. 

This is more than enough information. 

Please tell me why this is still on my credit report and how does your company allow this type of practice to occur? 
Attached are PDF 'S the first name of the files have a number in front of them this is the history 1 is the most recent response. as you go down you will see how it started

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 2023-11-21
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 reviewed my consumer report and noticed there is inaccurate information reporting on my credit report. Account is reporting under someone else 's name. 

Account : XXXX I contacted Transunion and requested investigation & removal of inaccurate account from my report. Such proof has not been provided.

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 2016-05-27
Company: Crosstown Law, LLC
State: FL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I disputed this account, requesting proof of the debt. They failed to provide such proof and contine to report to the credit agency.

Company response to consumer: Untimely response
Consumer complaint received 2022-01-13
Company: Comerica
State: OK
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:
I was informed by XXXX that someone attempted to use the card in question. 

In addition to that there was a total of $ XXXX dollars taken from this account by someone other than myself. I don't want the money but I would like to have some kind of response from this bank who operates under some kind of federal contract, what a travesty, that they acknowledge their misgivings and close this account to never hear from them again in life. This episode happened in 2021 I called number after number NO ONE ANSWERS THE PHONE, neither Co-America Bank OR Direct Express. 

I sent this letter dated XX/XX/2021 special delivery return receipt requested I got document from them later in the year 2021 which was something like when you open an account nothing addressing my issue, my complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-20
Company: Bread Financial Holdings, Inc.
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I contacted Comenity Capital Bank holders of the Zales Jewelers Diamond Card regarding the payment made to our account on XX/XX/2023. The payment was made at the local store as a balance transfer check. The payment was posted and cleared on XX/XX/2023. We then received notification from the account portal that the payment was returned. I started a dispute with the creditor to request proof of why the payment was returned and where the returned check was returned. I received the six-letter from the creditor stating that the account was still owed and that the initial payment made was returned. Even are I provided both a digital copy of the check showing that payment was posted and clear and a copy of my banking statement indicating that payment was made and that funds were taken from my account for full payment on the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-29
Company: SANTANDER HOLDINGS USA, INC.
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
When I buy the car I trading a XXXX XXXXXXXX XXXX the value on my XXXX it is about {$10000.00} the dealer put me {$3000.00} only on down payment when I signed a paper they told me that I have a guarantee on the card that I bought it and the car broke down on the second day that I buy and try to go to the dealer and they give me appointment they take like a one week when I take the cart the dealers gone disappeared and change all deals, They finance it to another company and after six months, I found out a letter from Santander consumer, letting them know that I have to pay the loan to then and I never make a business with Santander .The car is broke down from the second day that I bought it and they never answered and they never tell me what theyre going to do with the car, and I supposed to have them warranty so I keep in the car in the garage, I explain everything about the problem. I never do nothing into one day they pick up the car I called him and I let him know the problem with the car and everything and they never do nothing about it, the dealer disappeared another bank, make it deals, never sign it anything to Santander and I feel like Im stealing everything is stealing my home is stealing the cart that I bought it and they want to stealing my money to and they put me on the credit bureau so I want to clean my credit I dont want that count on my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-02
Company: ALCHRO INC.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I have asked First Federal Credit & Collections to validate a collection they are reporting on my credit reports on XXXX/XXXX/15 and XXXX/XXXX/15 and they have failed to provide anything that would support the fact that they are attempting to collect interest on a debt without an agreement or contract. Nor have they supplied anything other than a statement on one of the collections. I told them that I would be reporting them to you but they obviously do n't fear you because they failed to delete themselves or answer questions about the debt ( s ) that they are using to damage me financially. Its damaging my credit and it is important to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-16
Company: OPTUM BANK, INC.
State: MD
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
Optum Financial issued me a check for a reimbursement claim on XX/XX/XXXX. The check stated it was valid for 120 days. I went to deposit the check XXXX days later on XX/XX/XXXX and the check bounced, incurring me a {$30.00} returned check fee. I was not notified in any way that the check had been cancelled, although Optum claims they sent me an email. 

I have received emails in the past regarding checks nearing their expiration date for previous reimbursements which is why I know I did not receive an email for this instance. Even if I had received an email from Optum for this claim, their emails are a general template that state, " Our records indicate the check has not been cashed. If you have not done so already, please cash the check before the expiration. '' In this case I was cashing the check at XXXX days, which is before the 120 day expiration date. At no point ever ( in emails, on phone calls with customer service agents, on public websites or forms ) does Optum state that their checks expire before the stated " Void after 120 days '' clearly printed on their checks.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-31
Company: EQUIFAX, INC.
State: NC
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:
My identity was stolen several years ago and over the past 2 years there have been may fraudulent accounts listed on my report. Also I was included in several MASS data breaches which greatly exposed me. I am in Desperate need of all of this fraudulent information removed and blocked from my report.

Company response to consumer: Closed with explanation