BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-04
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: 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. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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 explanation
Consumer complaint received 2019-02-03
Company: CREDIT ACCEPTANCE CORPORATION
State: NJ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I've submitted documetation to XXXX and Credit Acceptance in Michigan. I RETURNED a uses fault vehicle to XXXX XXXX in XXXX NJ and I called Credit Acceptance and indicated that I returned the vehicle and was advised to write a letter indicating cancellation of the loan. I did that and now Credit Acceptance is  destroying my credit report in which is destroying my livelihood. XXXX is siding with the company and does nothing for consumers ... I have written to the ATTORNEY general in Michigan to speak of the FRAUDELENT activities if the loan company CREDIT Acceptance ... I want this negative item removed from my credit report..if the loan is cancelled why is this information showing up as negative on my report ... I was lied to by the dealership who is working with no good banks, please help me remove rhis item from my 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 2022-10-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
Under the Fair Credit Reporting Act, they have violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 602 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any 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 non-monetary relief
Consumer complaint received 2023-09-06
Company: Newman, Hesse & Associates, P. A.
State: KS
Product: Debt collection
Sub-product: I do not know
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
I received a email from my job on XX/XX/XXXX stating that a debt collector " Newman, Hesse & Associates '' for XXXX XXXX has entered a court arrangement to garnish wages, the order was made in court on XX/XX/XXXX and wages were taken from that upcoming pay week. 

On XX/XX/XXXX contacted original creditor company ( XXXX XXXX XXXX ) at number " XXXX '' and the number was disconnected this company is no longer in operation. I then contacted Newman, Hesse, & Associates at XXXX, the automated system told me to enter an extension, which was not provided in the paperwork and no one answered the main number listed that I called on multiple occasions, Finally on XX/XX/XXXX or XXXX I called the XXXX department for my job " XXXX '' and let them know that this is a fraud and to stop the garnishment, XXXX reached out to company and I was transferred to a male " XXXX '' who told me that I was served court orders in XXXX, and I did not respond. I informed him to show me proof and to correspond my mail. I mailed an affidavit of truth along with a letter asking for the debtor to provide me with evidence of the debt. This was mailed out on XX/XX/XXXX via certified mail. I also sent a letter regarding statute of limitations along with debt validation letter via email to XXXX and XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-15
Company: EQUIFAX, INC.
State: MD
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: In progress
Consumer complaint received 2023-07-28
Company: JPMORGAN CHASE & CO.
State: NY
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 ordered an item totaling {$3200.00} from The XXXXXXXX XXXX website with my credit card through XXXX. The item, never arrived to me despite it being scheduled to arrive on XX/XX/2023. After unsuccessful calls with The XXXXXXXX XXXX customer service, I opened a credit card dispute with my card issuer directly on XX/XX/2023. 

On XX/XX/XXXX, the customer service team at The XXXX advised that in order for them to give me the refund, I would have to close the dispute with my card issuer. I obliged and closed the dispute. The seller, sent me proof that the refund was issued but was not coming through to me through XXXX on XX/XX/XXXX. The seller then dropped the case, claiming they sent the refund, and that I was responsible for coordinating with my card issuer and XXXX to get my refund as the funds are now locked between the card issuer and XXXX, and not anymore with the seller. 

XXXX advised that it may take up to 75 days for them to decide on the case, and asked me in the meantime to re-open my dispute with my card issuer. I successfully re-opened the dispute with Chase on XX/XX/2023. However, on XX/XX/XXXX, I was notified by XXXX that the dispute was closed in favor of the seller. My card issuer, also notified me on XX/XX/2023, that the re-dispute I opened on XX/XX/XXXX, was also closed in favor of the seller. 

I am left with not resolution, and no refund to my card. I want to add that Chase, has provided me with unclear directions on how to re-open the dispute, and where the funds are on multiple occasions, which delayed my ability to attempt to find a resolution to this case. They also falsely claimed that I would get my refund, when it never arrived to me, then backtracking and claiming the refund never actually arrived to them. On XX/XX/XXXX, Chase is claiming that they sent me a letter to update me on the re-dispute via a paper letter in the mail, but I have not received that. I believe they are unsure of what they mean and are not clear with the result of this re-dispute. 

I also want to add that several XXXX representatives have done the same, claiming that cases were closed when they were not, or that funds will be issued to me, when they were not. 

The XXXX, also did not provide adequate service, as they kept claiming they issued the refund, but XXXX claims the refund was never submitted. There is a clear lack of communication between the customer service representatives from all three parties, which led to a lot of back and forth with them, and over 25 phone calls and several emails with these parties. As of today, I do not have my refund and I am confused as to where my money is. I simply would like my refund as it has been 2 months, with no resolution to this issue.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-09-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Investigation took more than 30 days

Complaint:
I had an account with XXXX XXXXXXXX XXXX in XXXX and is was paid and closed in XX/XX/XXXX but they still reporting since XXXX late payments what is not even true because the account is paid in full since XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-15
Company: EQUIFAX, INC.
State: PA
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:
After recently reviewing my credit report, I noticed unauthorized credit inquiries. I did NOT authorize the following inquiries listed below. These were not obtained with my consent. Please delete these erroneous items IMMEDIATELY and send me an updated copy of my credit report, thank you. I have attached a copy of my ID and a FTC report. 

EQUIFAX : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-25
Company: WESTERN UNION COMPANY, THE
State: NC
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
With references to the 2 complaints I have already made to CFPB, I have not received my refund up to this date. Twice, the company responded by providing me with the relevant information to collect my refund. 
The second complaint I made to CFPB, XXXX, from the Executive Resolutions Team, emailed, to advise me that I need to provide the relevant documents that will prove that I am in XXXX. I emailed all documents, which include : my Bank Statement to show evidence of the amount being taken out of my account, my Passport to show the Entrance Stamp on my time of arrival to XXXX. 
On XX/XX/2021, I received another email that reads " Please be advised that we have changed the payout destination of the transaction, Western Union processed a full refund including charges in the amount of {$500.00} equivalent to XXXX, with tracking number ( XXXX  ) XXXX. Your refund is available for pickup at any Western Union agent location in XXXX ''. 
Having received such an email, I went the same day to a Western Union location in XXXX and DID NOT get the money as the agent told me that a notification is saying " This transaction is under review '' I made a call to my local Western Union Headquarters and the representative responded by saying she made a call to the CORPORATE HEADQUARTERS in COLORADO and she was told that the money should be picked up in the US ''. 
WESTERN UNION!! I need an ANSWER NOW!!!! This is my THIRD COMPLAINT about my refund. I have provided XXXX, from the Executive Resolutions Team with all my documents and information of my being in XXXX. I need the Western Union in XXXX to get the information from the CORPORATE HEADQUARTERS in COLORADO, in order to release my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-11
Company: SYNCHRONY FINANCIAL
State: NJ
Product: Credit 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 got a letter saying only a partial of the {$700.00} was credited to my charge card and I had a XXXX balance. However, I had PAID all those fraudulent charges so I should have a credit balance. I have tried to call the company and have gotten no return call. 

They sent me a new credit card number the fraud charges were on the old card number

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 2022-11-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 wrote to your company indicating my dispute of information in my credit report. Transunion has not responded to my dispute and therefore must update my credit file. The late date which is actually submitted on my credit report sounds very inaccurate or deceptive. Under Section 614, restrictions on investigative consumer reports [ 15 U.S.C. 1681l ], you only restrict to investigate my personal file if no adverse information in my report ( other than information which is a matter of public record ) may be included in a subsequent consumer report unless such adverse information has been verified in the process of making such subsequent consumer report, or the adverse information was received within the three-month period preceding the date the subsequent report is furnished. Please remove the late payments from this account : 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 2023-05-17
Company: ALLY FINANCIAL INC.
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
On XXXX I was offered a promotion from XXXX XXXX XXXX 4.9 %. Great I accepted the offer and started the process and my balance is XXXX immediately so my interest at 4.9 % started on XXXX. 

My issue The other card was not as of XXXX has not been paid XXXX and is also still occurring interest. 

So today I am paying additional 4.9 % for the same XXXX. 

Bank states it's the policy that it could take 30 days for the transfer to get processed. I can transfer money in under a second from my account to another account without issue. 
I do understand sor processing time. XXXX days XXXX. 

What I believe needs to happen is my interest should not be accruing until the funds have actually been applied.

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 2021-09-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
Dear XXXX, I recently received a letter about a fraudulent account thats being reported on my credit report and it stated please provide more information about your dispute First and foremost I have recently obtained a copy of my credit file and the information does not relate to any transactions that I have made ; therefore, I am requesting that these accounts be completely removed and blocked from my credit file. This is not a regular dispute I have filed a complaint with the Federal Trade Commission to document being a victim of identity theft.

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 2023-08-26
Company: Americas Car-Mart, Inc.
State: GA
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 didnt not sign a contract or did any business with XXXX

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXXXXXX Balance : {$5300.00}

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 non-monetary relief
Consumer complaint received 2018-04-21
Company: Resurgent Capital Services L.P.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have submitted several debt validation and verification requests to Resurgent Capital Services over the past year. The most recent communication I have received from them was on XX/XX/XXXX that stated that they believe my request for debt validation was " submitted on a form supplied to you by a credit repair organization. '' And that they refuse to investigate it because it is " frivolous and irrelevant. '' On XX/XX/XXXX, the above stated company received a certified letter from me that was typed with my name printed in blue ink pen. As it has been 30 days since they have received my request and have yet to respond I would like to file a complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-17
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I WAS AWARDED A GRANT FOR 6 MONTHS OF PAYMENTS ON XX/XX/2023. This would have paid my mortgage up to XX/XX/XXXX XXXX I tried to resolve with asking them to correct my account to reflect payments made to them for me. I have been trying since XX/XX/XXXX  when I confirmed the payment amount with them to fix no response and keep getting the run around. I also emailed the program that paid them and spoke with loss mitigation department that handled the payment no resolve or response. The grant XXXX XXXX or close to it. That should have paid thru XX/XX/XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-22
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: Information belongs to someone else

Complaint:
I recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove the following inquiries 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 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 explanation