BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC
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. 


Account Name : XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX  Account Number:XXXX Account Name : XXXX Account Number:XXXX Account Name : XXXX  XXXX Account Number:XXXX Account Name : XXXX XXXX Account Number:XXXX Account Name : XXXX Account Number:XXXX has violated my rights. Or list of inquiries 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 2023-09-27
Company: American First Finance, Inc.
State: KY
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
i answered an add from american freight to purchase a bedroom XXXX XXXX XXXX dollars down on XX/XX/XXXX XXXX they said i had to sign the agreement within XXXX minutes or the offer would not go through so i did as he instructed without having time to read the agreement. 
later i found out that they were charging a finance charge of XXXX dollars on top of the price of the furniture which is XXXX. if it wasnt paid off in 100 days they were adding XXXX dollars. 

i also had to agree to pay over XXXX dollars a month on auto pay. im on a fixed income and my account became overdrawn which caused me to have to change bank accounts. 

after making several payments from my bank account i reached out to american finance to ask for help and they threaten to harrass me by phone if i did not make a payment by XXXX third XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-15
Company: Advanced Resolution Services Inc.
State: IL
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 CONSUMER REPORT WITH ADVANCED RESOLUTION SERVICES , INC SHOWS INCORRECT BANKRUPTCYS RECORD NUMBERS. THE UNITED STATES BANKRUPTCY COURT CASE NUMBERS FOR ALL 3 PUBLIC RECORDS DONT MATCH UP ON ARS CONSUMER REPORT. ON XX/XX/2019 THEY VERIFIED ALL 3 PUBLIC RECORDS ARE SHOWING ACCURATE. XX/XX/XXXX XXXX XXXX, AND XXXX XXXX XXXX DONT HAVE ANY BANKRUPTCYS ON MY CONSUMER REPORT, P.S IM ALSO A VICTIM OF IDENTITY THEFT

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-28
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
2015 garnishes my pay check No knowledge of debt No contact from collections agency just letters from court about garnishment

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-27
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 list of accounts below has violated my federal protect the consumer rights to privacy and confidentiality under 15 USC 1681. Account name XXXX  account number XXXX. 
Account name XXXX account number XXXX Account name XXXX XXXX Account number XXXX, XXXX. 
Account name is XXXX XXXX, XXXX account number XXXX. 
Account nameXXXX XXXXXXXX XXXX account number XXXX  15 USC 1681 section 602 ( a ) states I have a right to privacy. 
15 USC 1681 section 604 ( a ) section 2 : it also states that a consumer reporting agency can not furnish all account without my written instructions.

15 USC 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 USC, 1681s-2 ( a ) ( 1 ) a person shall not furnished any information relating to a consumer to any consumer reporting agency. If the person knows our has reasonable calls to believe that the information is in accurate.

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 2022-08-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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 # 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 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 2023-04-25
Company: GOLDMAN SACHS BANK USA
State: GA
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:
On XX/XX/2022 I purchased two tickets for the XXXX XXXX football game to be played on XX/XX/2022. I used my Goldman Sachs XXXX ( XXXX ) XXXX. My order number was XXXX. The purchase was made with XXXX. I received the two tickets. 

However, I was charged twice. The amounts were {$560.00} and {$540.00}. I have attempted to resolve this with XXXX XXXX ( Goldman Sachs ) multiple times. They have been unable to advised which amount is applicable to order number XXXX. In addition, they are unable to advise of any other order number or purchase of any additional tickets. I have attached a copy of the transaction as well as copies of the tickets I received. 

Their response has been a bunch of print outs of the internet with most to small to read to include instructions on how I should use my iphone.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-25
Company: Remitly, Inc.
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
Send the money on XX/XX/2023. Received updates after two days via Remitly app and email that the amount has been deposited in recipients account successfully. Received a call from recipients on XXXX of XX/XX/2023 that the money has not been received. I have contacted the REMITLY costumer Service various times but they are making excuses that we are investigating the matter, you will received your money soon. Also they requested for recipients bank statements from XXXX XX/XX/2023 to XXXX of XX/XX/2023 which was sent to them but no fruitful results. After passing of 26 days they have not succeeded to deposit the amount in the recipients account because of which my kids education if effecting badly and me and my wife are very depressed because of our kids education because the recipient teachs our kids online.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-29
Company: Freedom Mortgage Company
State: IL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
This is my third complaint I am submitting on this site dealing with Freedom Mortgage. This site gives the mortgage company access to close the complaint without any follow up to the consumer. I am at the final stage of my refinancing for the third time and have not received a response as to the reason my previous closing did not occur. I asked for reimbursement of the money lost due to a four month delay of my refinancing and for the vacation day I took for the second closing which was canceled an hour before the scheduled time. I never received a call from the Customer Advocate to reschedule my refinancing. I had to call the Closing Department myself to schedule. I have not received an email confirmation as I have in the past. My closing is scheduled for Monday, XXXX, two business days away, keeping my fingers crossed. It has been recommended I contact XXXX XXXX Investigate for my issue to hold Freedom Mortgage accountable to all of us consumers! During this 2020 COVID year, Freedom needs to be more responsive to their clients and should work with us to save us money!! They should be ashamed of the lack of service and the loss of funds they are causing us. FHA needs to be made aware. I hope I get a response from XXXX XXXX Investigate and get help for all of us mortgagees!

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 2023-11-30
Company: EQUIFAX, INC.
State: CA
Product: Debt collection
Sub-product: Mortgage debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I withhold my consent for electronic communication and explicitly request that all responses be conveyed in written form through the United States Postal Service ( USPS ). I am the primary complainant in this matter, and I hereby grant full authority to the Consumer Financial Protection Bureau ( CFPB ) to thoroughly investigate and address this claim. I am filing this to dispute the information contained in my credit report and to request an investigation into the following accounts. I noticed inaccuracies in my report and reached out to the creditor for validation of the debt, but they failed to provide any supporting documentation. My concern relates to the account listed as a late payment account. I demand that you provide concrete evidence of this account being late and, if such evidence is not forthcoming, I request the immediate removal of the negative payment status associated with this account from my credit report. XXXX XXXX XXXX XXXX XXXXXXXX. I take this matter seriously and expect a thorough investigation into this dispute as well as a resolution that aligns with the laws and guidelines set forth to ensure accurate credit reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 ACCOUNT # 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 CAN NOT FURNISH A 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 2023-11-29
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This collection account has an OPEN status and that is a violation, because a collection is by default a closed account. Delete this account due to inaccurate reporting. 
XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-06-05
Company: EQUIFAX, 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:
My name is XXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-06
Company: Fidelity National Information Services, Inc. (FNIS)
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: Account information incorrect

Complaint:
it happened that i noticed some fraudulent activity on my XXXX  XXXX XXXX account. after i disputed the charges through XXXX  XXXX XXXX, they advised me to open a new account so they transfer my funds to my new account and close the old one. i agreed and they did that fund transferring from the old to the new account. i have called XXXX XXXX XXXXXXXX XXXX XXXX XXXX time to close the old one so i do not receive notification email regarding the old account. theses repeated requests all were ignored. after around 6-7 months later i received a call from XXXX XXXX XXXX informing me that they will close my account with them due to a ChexSystem report from XXXX XXXX XXXXXXXX STATING I HAD account Abuse. I was shocked because i have been a very excellent customer to XXXX XXXXXXXX XXXX since XXXX after another million calls to this bank, finally an agent explained to me that the bank itself has committed a mistake by overcompensating me an amount arround XXXX on one of my DISPUTE claims. then for correcting this problem XXXX  XXXX XXXX decided to correct their mistake by reporting me to ChexSystem as an account Abuser, instead of informing ME that i was overcompensated and should return that money to XXXX  XXXX XXXX. Very interesting!! as soon as i found out about that charge i paid that balance right away and XXXX  XXXX XXXX promised to remove that report from my ChexSystem. but they only updated the balance to zero. and now I AM UNABLE TO OPEN A NEW ACCOUNT WITH ANY OTHER BANK and that is because XXXX XXXX XXXX agents are IRRESPONSIBLE.

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 2019-11-13
Company: Paypal Holdings, Inc
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
I was paid by two ( 2 ) people using PayPal. The money was received by PayPal. I have what I believe is considered a business account with PayPal. To receive my money they required me to link my business checking account. I entered the information, and it was confirmed by PayPal. 

However, despite doing everything PayPal has asked me to do on their website or on the phone, I have not been able to withdraw my money. The amount I am trying to withdraw is {$1200.00}. I have not received anything but error messages on their website and no help when calling them. Over the past few weeks, I have done everything PayPal has asked me to do. On the phone they have repeated admitted to problems with their systems. They only suggest things that do not work. They even tried to get me to send the money to a XXXX using their phone app, which is not an available option for my account. 

At this point, I am running out of options, short or making official complaints and suing PayPal ( I am an XXXX, and will do this if necessary ). Thank you - XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-08
Company: HYUNDAI CAPITAL AMERICA
State: CA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
I have a case with consumer affairs and we got a agreement to settlement agreement and release I signed in front of a attorney and they send me the check but till now since XX/XX/2023 I havent received my title and XXXX XXXX there saying Im behind payments and that the check that they send me was canceled but I cash it in XX/XX/2023 thats impossible I try to talk to them and have a supervisor to call me till now after 5 months havent received any answers only that I own XXXX $ and my car is ready to towed

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 2023-04-25
Company: EQUIFAX, INC.
State: CA
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 ACCOUNT # 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 CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-30
Company: Consolidated Information Services Solutions, LLC
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:
There is a hard inquiry on my credit report on XX/XX/2021 that is on my credit report but is not me. I have also been receiving phone calls also in regards to loans that I never applied

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-29
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I did not initiate these Accounts and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-06
Company: LEXISNEXIS
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: Reporting company used your report improperly

Complaint:
The credit bureaus stated my account was properly investigated for a bankruptcy they are reporting, but how is that possible if the open date is inaccurate the date last active is inaccurate, and the date last reported is not accurate. This ground for removal they also violated my rights under. 

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 instruction. 

Also the Credit Bureaus took more than 30 days to complete my investigation here is my certified mail tracking XXXX

Company response to consumer: Closed with explanation