BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681XXXX account # XXXX and XXXX account # XXXX .15 U.S.C. 1681 section 602 A. States i have the right to privacy. 15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 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 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 2022-01-13
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:
You have listed incorrect accounts that should not be reflecting on my credit report at all. Not only is this really unfair for me, but also very troublesome, as I have never committed or made any of the things you're claiming I did. Investigate these accounts or I will see to it that I will pursue legal actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-10
Company: CREDIT ACCEPTANCE CORPORATION
State: VA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
I purchased a used XXXX jeep liberty at li auto buyers in XXXX XXXX ny and financed with credit acceptance in XXXX XXXX i then filed a small claims civil suit XXXX months later at the end of XXXX in second district court in XXXX ny XXXX i received my entire down payment on the vehicle back because a judgment was placed against the dealership. i got that back in XXXX and returned the vehicle as a voluntary repo due to the car being unhealthy and safe to drive. i now and trying to get the loan taken off my credit line so i disputed it with the credit lines. credit line ruled it accurate when i sent my documentation from court stating i received all my money back and no longer have possession or own the vehicle. credit acceptance is telling me they will settle for {$1400.00} to take it off my credit. i have another unsafe vehicle now after having to settle when i got rid of the jeep financed with credit acceptance, and i can not trade what i have in because i have the other credit acceptance loan on my credit i have a child and a single parent i am trying to fix my credit and credit acceptance will not take it off even though i sent them court documents showing i got my money back from the dealership that did my paperwork with them .the dealership or bank also took money out of my down payment because i put down {$5000.00} and my credit acceptance paperwork says i only put down {$3900.00}

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 2017-07-07
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I have wrote to them a sent proof on several occasion. All three credit reporting a bankruptcy on credit report and said that XXXX XXXX provided them with this information. I have been in touch with XXXX XXXX and sent proof XXXX XXXX to the agencies that there is no bankruptcy on file for me. I need for all the credit reporting agencies to remove this reporting.

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 2021-11-18
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: Public record information inaccurate

Complaint:
On XX/XX/2021, a dispute letter was submitted via mail and fax to XXXX, Experian and XXXX in reference to the Bankruptcy listed which is inaccurate on my credit reports. I have allowed substantial time to resolve my concern due to the pandemic. I have also contacted the Courts as well and they advised me they do not report to the Credit Bureaus. If the Courts do not report to the Credit Bureaus, how is this listed on my credit report? By FCRA law, all Credit Bureaus are required to validate/verify information BEFORE it is added to a consumer credit report. The Bankruptcy listed is in violation of FCRA not only because the courts do not report information to the Credit Bureaus but by law the Bankruptcy must report City, State and Court Name which it doesn't. This Bankruptcy is negatively impacting my ability to secure new credit and or purchase a home. I request full removal and an updated copy of my credit report mailed to me.

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 2021-09-14
Company: AmeriHome Mortgage Company, LLC
State: IA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
i recently refinanced, and the mortgage was sold to Amerihome mortgage. My homeowners insurance information was in the mortgage applications, but I received a note after the sale of the mortgage directing me to a very unprofessional website with no identification saying that I needed to enter my insurance information into the website. The letter had no identification that showed it was from the new servicer. After a second notice, I called the servicer that it was valid. I entered the homeowners insurance information into the website. 

I recently got another letter saying that the final notice on the insurance information even though they had it already and if I didn't provide it, they would input their own insurance. I feel this is and attempt to fraudulently switch my insurance to provider under their control.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16
Company: Incomm Holdings Inc.
State: NE
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
My son received a prepaid Visa Giftcard for the amount of {$100.00} ( so did my daughter ). I went to use the cards to purchase some sports equipment/baseball bags for my son and the same for my daughter. I had an unopened Visa Giftcard and ripped it open at the register. When I scanned the card for payment of the purchase, the cashier told me that there was {$38.00} available balance on the card. I purchased my daughter 's bag using her unopened Visa Giftcard and she still had a {$100.00} balance. When I returned home I looked up the purchase history on this card and discovered that there was a fraud and someone had made a purchase on XXXX @ XXXX XXXX  for the amount of {$61.00} was used at a XXXX in California. I am not sure what they purchased. I called a number and was able to get ahold of someone and was told to file a complaint, after receiving an email. I received a response on XX/XX/1922 at XXXX : XXXX which prompted me to mail in a complaint form, which I did. I have not received any correspondence to date after I filed my complaint. I will show a copy of my complaint at the end of this. 
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - Gift Card Dispute - Trouble Ticket / Case ID / XXXX External Inbox XXXX Attachments Wed, XX/XX/XXXX, XXXX XXXX  to me Dear XXXX XXXX This email is to confirm that we have received your verbal notification of your claim. 

We will begin the investigation once you provide the completed case form. 

For your convenience, we have attached this form that should be completed and returned to us immediately. 

You may send the case form to us by Email to XXXX Fax to XXXX Mail to : InComm, Inc. 
Attn : Resolution Department XXXX XXXX XXXX XXXX, GA XXXX Sincerely, Case Resolution XXXX XXXX XXXX XXXX, GA XXXX Fax : XXXX Email : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-18
Company: Chime Financial Inc
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
Previous complaint : XXXX ... .was not resolved. When I thought all was good. Account was re-opened. Sent my ID, email and current address. It stayed open maybe two weeks or so before it happened again. I firmly believe the hack was inside job. Only way to get any resolution is through email. Chime denied my dispute of returning {$400.00} of my money. If I did not have any access to my account during the the time of the hack. How in the XXXX can I use it make purchases? And why would I. I have an Android not an XXXX. 
Chime closed the checking and XXXX XXXX XXXX  Credit Card which damaged my credit without my knowledge. My balance was negative, in a Spot Me feature Chime gives as an Overdraft cushion. They knew I pay it back every pay day.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-19
Company: Experian Information Solutions Inc.
State: SC
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:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.

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 2020-02-26
Company: The CBE Group, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I placed a bed on the XXXX site, and a person originally purchased it. I mailed the bed to the person, upon receiving the item, the customer changed her mind about the purchase and subsequently was supposed to send it back. Therefore, a refund was processed on the account. However, the bed was never returned to me. Even though, I had tracking information from United States Postal Service, it never showed up. I was informed that the bed was lost in transit by the USPS. 

I paid for the shipping costs when I sent the bed to the buyer, and the customer should have been responsible for the shipping costs to send it back to me. The issue still remains, I never received the bed from the customer. 

XXXX has sent me a bill for shipping costs for a bed that I never received back. Further, there must be a mistake about the shipping charges, as I sent the bed originally to the customer for a much lower price. 

I have spoken to XXXX  on several occasions about this issue and have gotten nothing less than the indifference to my concerns. 

I do not feel as though I am responsible for the shipping costs that appear on the notice that Im sending you. I would appreciate if you folks could provide some assistance with this nightmare issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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  Account # XXXX, has violated my rights. 

15 U.S.C. 1681 Section 602 A states I have a right to privacy.

15 U.S.C. 1681 Section 604 A Section : 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 non-monetary relief
Consumer complaint received 2021-01-29
Company: Express Recovery Services, Inc.
State: UT
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:
Express Recovery is reporting an erroneous debt on my credit file. I have been disputing an account with Express Recovery for a hospital visit with the University of XXXX. When I noticed this debt, I called and settled it immediately. I was told that this account would be removed from credit but they have not removed it. It's been months of me trying to get them to remove a PAID collection! Not only has this been settled, I never signed a HIPPA patient release form allowing Express Recovery to report this debt on credit. This is a HIPPA violation and needs to be removed.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16
Company: AZ LENDING EXPERTS, LLC
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
AZ Lending Experts , LLC XXXX XXXX ; AZ XXXX XXXX ; XXXX XXXX XXXX # XXXX & XXXX XXXX XXXX # XXXX XXXX XXXX lied to me about a mortgage I applied for. He ran my credit. My credit was run on XX/XX/22. And even pre-approved me for over {$100000.00} more than I could afford on the salary he was paying me. I had a lease so I was originally going to hold off until my lease ended. He was also my employer. I was doing video work for AZ Lending Experts. He and his partner had pretty much stopped doing the videos they hired me to create nearing the end of XXXX. I had a problem with my apartment and had to move out so I went to XXXX at the beginning of XXXX and I told him that I wanted to move forward with the loan he pre-approved me for. He said nothing about anything and began asking me for documents. Then on XX/XX/22, I was fired without notice and they claim it was because I left at XXXX on a Friday after I had done all of the work they assigned me to do. They had been planning on firing me. In fact, I left because, and this can be proven in a text message to XXXX XXXX, they made me feel uncomfortable setting up some podcast video set and XXXX kept making statements that made it clear that I was no longer going to have a job. But he was still asking me for documents. So I feel like A. he ran my credit knowing he was not going to approve me because I would have no income when they fired me, and B. that he pre-approved me deceptively to do other things behind my back concerning my employment without me thinking twice about it.

Company public response: Company believes it acted appropriately as authorized by contract or law
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: 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 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. 

Please see above LAW, this isn't a request to verify this is the law that clearly states that I have the right not to have companies report to my credit without a WRITTEN REQUEST FROM ME, which at no time have I ever given WRITTEN PERMISSION.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-12
Company: JPMORGAN CHASE & CO.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
On XX/XX/XXXX I received a notice in the mail that my Chase credit limit was being reduced from {$15000.00} to {$11000.00}. 

I called the customer service department and complained about this and they transferred me to the credit underwriting department. I spoke to a account representative and supervisor. I explained to them that I have been a loyal customer for over 20 years.The letter said that my account was being changed because I had been delinquent on a chase card which is false. It said that I had flied bankruptcy which is false. 

Finally, I wrote a letter to the executive offices and complained about this and they did not help me either. In fact, I asked to speak to a manager named XXXX and she refused to speak with me! I feel as though Chase makes their own rules and laws! They lie and cheat consumers and they need to be held accountable! 

I feel like that they are profiling me because I am a senior citizen and I am XXXX!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-30
Company: Square Inc
State: NC
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On XX/XX/XXXX I sent a {$300.00} down payment for parts and services to XXXX XXXX XXXX through Cash App. ( Square , Inc ). On XX/XX/XXXX I sent another {$120.00} to her boyfriend ( XXXX XXXX ). After weeks, then months of being lied to and misled, I filed a complaint with Cash app support on XX/XX/XXXX. They responded with sympathy and asked that I contact my bank and they would work directly with them to resolve the issue. My bank is another issue, but they did open a case for one of the transactions. My bank did inform me that the transactions are out of their time frame for a ruling in my favor. I right away ( XX/XX/XXXX ) contacted Cash app to discover they closed the case because they hadn't heard from me. They reopened the case and I went through the steps to reinitiate the complaint and they responded with and email saying my Cash App account is closed and I can no longer send or receive payments. I responded to the email asking how are the two crooks being held accountable, but they have ignored me. Can you please help me. I also sent money through XXXX to these crooks and they have already credited my account. Appreciated your time and consideration.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-19
Company: EQUIFAX, INC.
State: CO
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:
On XX/XX/XXXX, XXXX I sent a letter to Equifax to correct an account that they are reporting inaccurately, and it is effecting my ability to purchase a home. 
They have done nothing with the investigation. 

This account is closed and paid in full and they are reporting a payment status as " at least 120 days or more than four payments past due '' which is completely inaccurate considering they clearly show in the XXXX year history that XXXX XXXX XX/XX/XXXX there was all on time payments. This is an FCRA violation. and needs to be corrected immediately Ive included the letter I sent them as well as a copy of my credit report highlighting their inaccurate reporting,

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-30
Company: ProCollect, Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
On my credit report it shows I owe a balance of {$2900.00} to XXXX XXXX and it is in collections with ProCollections Inc. The problem is I've never lived here. I went to XXXX XXXX and they were unable to provide a lease, my signature or any information I am trying to find a place to live and this is a hindrance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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:
Between XX/XX/XXXX and XX/XX/XXXX I disputed a BK ( bankruptcy ) that has been discharged since XX/XX/2009. I disputed with TransUnion. I also called the courts, which is The Bankruptcy Courts Of Mississippi, located in XXXX, Ms . The courts stated that they do not share information with the credit bureau. They also stated that they have no record of contact with TransUnion. I'm writing this complaint to the CFPB to have TransUnion remove the BK ( bankruptcy information from my credit file.

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